Key levels: If Bitcoin breaks $5300, this is the upside

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LoanSnap Inc. Launches with First-Ever Smart Loan Technology to Save Americans Tens-of …

SAN FRANCISCO, July 19, 2018 /PRNewswire/ — LoanSnap Inc. today launched the world’s first smart loan technology that protects people against …

SAN FRANCISCO, July 19, 2018 /PRNewswire/ — LoanSnap Inc. today launched the world’s first smart loan technology that protects people against dumb loans. The company’s data scientists found that dumb loans cost Americans $58 billion last year alone. Until now, mortgage companies have lacked the data and technology needed to offer a sound financial choice to families. Rather than push the same mortgage every other lender offers, LoanSnap analyzes a customer’s financial situation in seconds and shows simple ways to benefit from a smarter loan.

In preparation for the launch, LoanSnap raised $8 million in Series A financing led by True Ventures with Baseline Ventures, Richard Branson’s Virgin Group, Core Innovation Partners, Joe Montana’s Liquid 2 Ventures, OVO Fund, Transmedia Ventures, and angel investors participating. The company has raised $12.3 million to date.

“I love to invest in companies that make people’s lives better and LoanSnap is exactly that,” said Sir Richard Branson. “Its technology allows consumers to take control of their financial lives and will shake up the mortgage market. The strong founding team combined with its tech and a dedication to helping consumers will be a winning formula.”

LoanSnap uses artificial intelligence to analyze a person’s financial situation in seconds, offering easy-to-understand options like, “Pay off your credit card debt and save $580 per month.” LoanSnap then sorts through thousands of loan options to identify the best choice. It’s the first loan technology that accounts for important factors, including the U.S. financial environment, to ensure that people have the best available loan now and into the future.

“Before I talked to LoanSnap I got tons of calls from people trying to convince me I should go for the lowest rate on my home loan,” said Mr. Lopez, a LoanSnap customer. “LoanSnap’s smart loan analyzed my situation in seconds and gave me a much better option, which ended up saving me $900 a month.”

Today, Americans are burdened with a record-high $931 billion in household credit card debt according to a NerdWallet analysis. LoanSnap’s data scientists found that in 2017 Americans lost $58 billion to dumb home loans because they didn’t take this credit card debt into account when choosing a home loan.

Why? Most mortgage companies optimize for interest rates without considering other factors because it’s easy to sell the lowest rate. They don’t have the financial information they would need to make a better recommendation. Even if they did, they can’t get the information and calculate the customer’s available options in anything less than hours.

Imagine the Johnson Family which, like the average homeowner in America, pays $1,000 per year in interest on $7,150 of credit card debt at a 14% interest rate. The Johnsons want to refinance their house.

What the mortgage company selling the dumb loan didn’t tell the Johnsons is that they could put that credit card debt on their mortgage at a much lower rate: 4.5% instead of 14%. If they moved their $7,150 of credit card debt into their mortgage, their interest payments would fall from $1,000 per year to about $325 per year, saving them $675 annually. However, if the average for credit card debt excluded families that don’t carry any debt, the savings from a smart loan would be significantly greater – about $1,519 a year.

Smart loans help people save money by analyzing their financial information in seconds. With LoanSnap’s iOS and Android apps, users scan their driver’s license or enter their address, then enter the last four digits of their social security number, tap through a few questions, and instantly get their personal smart loan options. People may also use LoanSnap’s website or consult with a loan officer by phone to get their money-saving options. LoanSnap emails a smart loan summary to all users whether or not they choose LoanSnap.

This approach shows people what’s possible before they commit to a loan. Even better, smart loans keep updating the financial information and alert customers if there are better options available based on an ever-changing personal financial situation and economy.

“Buying or refinancing a home is one of the most important financial transactions you make in life,” said Karl Jacob, CEO and founder of LoanSnap. “We are on a mission to help families enjoy peace of mind and financial stability. We achieve this by delivering a technology that can see and analyze your entire financial picture in real time then offer simple options that fit your family’s needs today and into the future.”

LoanSnap was founded by CEO Karl Jacob and CTO Allan Carroll, both serial entrepreneurs. Jacob was an early advisor to Facebook and has founded numerous companies. Jacob’s previous startups were acquired by Microsoft, AT&T, Zazzle, and Proofpoint.

For more information, please visit

About LoanSnap Inc.

LoanSnap invented the world’s first smart loan technology that uses artificial intelligence to analyze a person’s entire financial picture and shows simple ways to benefit from a smarter loan now and into the future. By working with LoanSnap, users can save money, time and feel confident that their home loan will safeguard their financial needs. Visit or download the iOS and Android apps to get pre-approved smart loan options now.

SOURCE LoanSnap Inc.

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SoFi Vs. Earnest Student Loan Product Comparison

Earnest was founded in the heart of Silicon Valley, San Francisco in 2013 by Louis Beryl, Benjamin Hutchinson, and Andreessen Horowitz. Earnest was established as a company that focused on merit-based lending, which provides a full financial profile before establishing loan commitments. However …

Fintech companies are disruptive entities that have truly shaken up the student loan industry for good. Two large of the larger student loan companies are SoFi and Earnest. While both of these companies are groundbreaking, they’re also direct competitors in the student loans, especially in the refinancing business. With this in mind, let’s take an in-depth dive into the dealings of both SoFi and Earnest.



SoFi is one of the newer companies in the student loan industry, and their disruptive business has already made waves throughout the country. SoFi was founded in 2011 by four students of the Stanford School of Business who saw a hole in the student loan industry. They believed they could provide more affordable loan options for people willing to take on debt to better themselves through education.

The company has moved away from only refinancing student loans, and has become a premier finance company. SoFi considers itself as a new age finance company, and their products match this mantra. They are currently offering life insurance designed for young professionals and students, wealth management options, personal loans, mortgages, and student loan refinancing which includes medical students as well. SoFi is a powerful player in the student loan industry which they have showcased through their aggressive refinancing options for students across the country.


Earnest is a company that specializes in student loans but lacks the typical brick and mortar locations of the big banks. The company has excelled in the online realm and has expanded to become a major player in the industry. Earnest was founded in the heart of Silicon Valley, San Francisco in 2013 by Louis Beryl, Benjamin Hutchinson, and Andreessen Horowitz.

Earnest was established as a company that focused on merit-based lending, which provides a full financial profile before establishing loan commitments. However, Earnest is a company that is fueled by technology, and their use of it within the financial sector has showcased why Earnest continues to be a major player in the industry. The company offers student loan refinancing, and personal loans designed for home improvement, credit card consolidation, moving, and engagement. Earnest was recently acquired by student loan servicing giant, Navient.

Student Loan Refinancing

Although these companies offer a variety of financial items, their main focus is student loan refinancing. Thus, it is time for SoFi and Earnest to go head to head with their student loan refinancing options.

Interest Rates

SoFi offers their clients an option. You can choose variable refinancing rates which currently range 2.75 to 6.84 percent if you enroll in the company’s autopay option. Fixed rates range from 3.25 to 7.24 percent.

Earnest offers their clients both variable and fixed rate options. For the variable option, the rates currently start at 2.57 percent APR while fixed rates start at 3.35 percent APR with their autopay options.

Application Process

At SoFi, the application process is fairly simply. You start with checking your interest rate, which generally takes about two minutes. With the online pre-approval, you will get to select the loan that is right for your situation. Variable or fixed, as well as terms and monthly payments, they are all variable and customer options. Finally, you will need to upload your loan documents via screenshot and sign your paperwork electronically. It is that easy.

The Earnest application is an impressive streamlined process. It takes about two minutes to fill out their form, and the powerful artificial intelligence in Earnest will prepare your estimated refinancing rate. You will then need to fill out the rest of the loan application, including your financial details that will allow Earnest to build your credit profile. Finally, you will need to execute on a refinance loan decision that gives you better options for the future.

Loan Amounts

Both SoFi and Earnest do not have a maximum within their loan amounts, but the amount a client owes will affect the interest rates that are offered.

Repayment Options

SoFi offers a number of repayment options for their refinancing product. This includes flexible rates, terms, and an ability to set automatic payments that drop your rate by 0.25 percent. Repayment terms range from 5 to 20 years.

Earnest refinance loans offers the flexibility in the way of terms that range from 5 to 20 years. With their loans, you will be able to increase payments, pay lump sums, provide bi-weekly payments, skip a payment to pay later, and offers an interest break for those who set up automated payments.

Additional Benefits

SoFi offers a variety of additional benefits for their student loan refinancing clients. This includes the ability to combine federal and private loans, access to wealth advisors via SoFi, and career support, as well as unemployment protection that allows clients to pause payments, and provide them with career coaches to find a job.

Earnest allows their clients to consolidate private and federal loans with ease, access to precision pricing, and a simple to use dashboard that provides clients with insights into how the loan works.

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