Meet Earny
Your personal loan AI.
What Earny does for your personal loan
Ask in plain English. Earny does the rate comparing, the math and the fine print.
Lowest real APR
Earny compares live lender rates and shows the true cost after origination fees.
Debt consolidation
Roll high-interest card balances into one fixed payment — and see what you'd actually save.
Payment math
Tell Earny the amount and term, and it works out the monthly payment and total interest.
Approval odds
Share your rough credit score and income and Earny filters to lenders that fit your profile.
Personal loan questions, answered
How does Earny find the right personal loan for me?
Earny asks what the loan is for, how much you need, your rough credit score and income, then compares live lender offers on APR, origination fees, term length and monthly payment. No long forms — just a chat.
Does chatting with Earny affect my credit score?
No. Earny only has a conversation with you. There is no credit pull and no hard inquiry until you choose to apply with a lender. Most lenders also let you pre-qualify with a soft check.
Is Earny free to use for personal loans?
Yes, completely free. PickYourBank may earn a referral fee if you take a loan through our links, but Earny's recommendations are based on fit and total cost, not on who pays most.
Can I get a personal loan with bad or fair credit?
Often yes, but at a higher APR. Earny knows which lenders accept scores in the 580–669 range, explains what a realistic rate looks like, and can suggest ways to bring the cost down — like a shorter term or a co-signer.
Is a personal loan better than a balance transfer card?
It depends on how fast you can repay. Earny runs both numbers for you — the 0% intro period and transfer fee versus the loan's fixed APR and term — and shows which costs less overall.
Where can I talk to Earny about personal loans?
Right here in the chat window on this page, or on WhatsApp and Telegram if you prefer messaging. Same AI, same answers.