The 'report' is drawn from Earnests clients. Earnest bills itself as the bank of tomorrow, but seems to profit mainly by student and personal loans. As such, on

The 'report' is drawn from Earnests clients. Earnest bills itself as the bank of tomorrow, but seems to profit mainly by student and personal loans. As such, one of the requirements to get a loan/be used in this totally scientific advertisement is to be in the US...although they appear to only operate in 41 states, so perhaps there's a statistically significant exception.