Earnest

Earnest is a technology-driven consumer finance lender headquartered in San Francisco, offering student loan refinancing, private student loans, Parent PLUS loan refinancing, and personal loans through Earnest Operations LLC and its bank partner FinWise Bank. Founded in 2013 and backed by investors including Andreessen Horowitz (a16z), Battery Ventures, and Slow Ventures, Earnest uses data-driven underwriting and merit-based pricing to serve borrowers, reporting more than $24 billion in student loans refinanced and over 420,000 clients. Earnest is a consumer-facing lending brand and does not currently publish a public developer API, developer portal, or API reference; this profile captures its public web, security, and legal surface for the API Evangelist network.

Earnest is profiled on the APIs.io network. Tagged areas include Company, Fintech, Lending, Student Loans, and Personal Loans.

Earnest’s developer surface includes engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

11.1/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

0 APIs

Company Fintech Lending Student Loans Personal Loans Consumer FinanceLoan Refinancing

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 11.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 4.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 2.1 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Education & Research regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/earnest: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Earnest Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: earnest
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/earnest.png
name: Earnest
description: Earnest is a technology-driven consumer finance lender headquartered in San Francisco, offering student loan
  refinancing, private student loans, Parent PLUS loan refinancing, and personal loans through Earnest Operations LLC and
  its bank partner FinWise Bank. Founded in 2013 and backed by investors including Andreessen Horowitz (a16z), Battery Ventures,
  and Slow Ventures, Earnest uses data-driven underwriting and merit-based pricing to serve borrowers, reporting more than
  $24 billion in student loans refinanced and over 420,000 clients. Earnest is a consumer-facing lending brand and does not
  currently publish a public developer API, developer portal, or API reference; this profile captures its public web, security,
  and legal surface for the API Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/earnest/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
- battery-ventures
- slow-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Lending
- Student Loans
- Personal Loans
- Consumer Finance
- Loan Refinancing
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.earnest.com
- type: Blog
  url: https://www.earnest.com/blog
- type: Support
  url: https://help.earnest.com/hc/en-us
- type: Login
  url: https://www.earnest.com/login
- type: TermsOfService
  url: https://www.earnest.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.earnest.com/privacy
- type: DomainSecurity
  url: security/earnest-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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