Student loan refinance and consolidation options are all over the place these days which means banks are actively competing for business. This is good news for consumers for two reasons – first you will have a better shot at getting the most competitive rate for your refinance (this is the most important factor). Second, companies are beginning to offer additional incentives beyond low rates and this month Earnest Loans is offering up to a $500 bonus for your business when you refinance your student loans with them.
One nice aspect of this offer (which is provided by many other banks as well) is that you can check your rate and your loan details before completing a full application. Customers can visit the October Cash Bonus Site (www.BetterStudentLoan.com/October-Cash) and provide some basic details to get their savings details in as little as 2 minutes.
Above you can see the short list of information you will need to provide to get your loan offer details and review your potential savings if you decide to refinance. Checking your details will not impact your credit score but your current offer may change depending on current rates and offer details (if you received a letter from Earnest you may find that there is an application deadline indicated).
The cash bonus you receive is contingent upon completing your refinance process and is based upon the total amount you refinance. The breakdown is as follows:
Overall, there are many factors to consider when you think about refinancing a loan but if all other factors are equal in terms of repayment terms, interest rates, origination fees, and any other potential penalties then consumers should start to look towards other incentives such as this cash bonus offer. As student debt is such a huge source of debt in the USA it can be expected that offers like this will continue and may even become more competitive as financial institutions continue to fight for business.
Visit The Earnest Loans October Cash Offer Website: www.BetterStudentLoan.com/October-Cash
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