Best Egg Personal Loans
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Best Egg Personal Loans
in Personal Loans from Best Egg, Inc.
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Best Egg Personal Loans

in Personal Loans from Best Egg, Inc.
SuperMoney Net Recommendation Score +36  


This product is mostly recommended by SuperMoney users with a score of +36, equating to 3.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Community Rating Mostly recommended
APR  (Fixed APR) 8.99% - 35.99%
(Verified 12/09/2023)
Loan Amount $2,000 - $50,000
Loan Term (Months) 36 - 60 months
Number of Reviews 42

Best Egg Personal Loans Review

Best Egg Personal Loans is offered by Best Egg, a marketplace lending platform founded in 2014 and based in Wilmington, DE. Best Egg loan are available in 47 states across the USA.

Key Takeaways

  • APRs starting at 8.99%. These are typical starting rates for personal loans.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • Large loan amounts. You can apply for loan amounts of up to $50,000 with Best Egg Personal Loans.
  • Strongly recommended. 26 out of 42 SuperMoney community members recommended Best Egg Personal Loans.
  • Prequalified rate. You can check your prequalified rate at Best Egg, Inc. with a soft pull that will not affect your credit score.
  • Origination fees of 0.99% to 8.99%. This is on the high end for lenders on SuperMoney's database. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
  • Minimum income of $3,500. You will need an annual income of at least $3,500 to apply for Best Egg Personal Loans, which is below average for the lenders in our database

Best Egg loan Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • APRs as high as 35.99%.
  • Charges an origination fee of up to 8.99% of the loan amount.
  • Charges a late fee

Best Egg loan FAQ

What interest rates and personal loan terms does Best Egg loan offer?

What interest rates does Best Egg loan offer?

Best Egg loan offers a fixed APR personal loan product that ranges from 8.99% APR up to 35.99% APR.

How much can you borrow via Best Egg loan?

Personal loan amounts start at $2,000and go up to $50,000

What is the maximum loan term you can get with Best Egg loan?

Best Egg loan offers loans with terms of up to 60 months.

Best Egg loan Interest Rates & Loan Terms
Personal Loan Amount $2000 - $50000
Loan Term 36 - 60 months
APR 8.99% - 35.99%

What fees does Best Egg loan charge?

Does Best Egg loan charge an origination fee?

Best Egg loan may charge a personal loan origination fee of 0.99% to 8.99% of the personal loan amount. Best Egg loan deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.

Does Best Egg loan charge a late fee?

No, Best Egg loan will not charge you a late fee if you miss one of the monthly payments, which is triggered if you're 3 days late.

Does Best Egg loan charge prepayment fees?

No, Best Egg loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Best Egg loan Fees
Origination Fee 0.99% - 8.99%
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for Best Egg Personal Loans?

Applicants with a credit score of at least 600 and up to 850 may be eligible for Best Egg Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for personal loans with Best Egg Personal Loans, applicants need a minimum annual income of $3,500 or higher. Best Egg Personal Loans only considers borrowers who are employed and meet the minimum income requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Best Egg Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Best Egg Personal Loans.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid personal checking account
  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit
Best Egg loan Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
Credit Score 600 - 850

What is the estimated funding time for a personal loan via Best Egg loan?

Best Egg loan will typically provide a credit approval decision in less than an hour and fund the loan within 3 business days.

Does Best Egg Personal Loans report your account activity to credit bureaus?

Yes, Best Egg Personal Loans reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Are Best Egg Personal Loans legit?

Best Egg, Inc. was founded in 2014, it is a well-established company that has been in business for 9 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

Best Egg Personal Loans Disclosure: *Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Marlette Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit sc¬ore, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email:, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Best Egg loan

We make money accessible through fast and easy personal loans. Whether you need money for debt consolidation, a much-needed vacation or an unexpected expense, we could get you the money you need to keep your finances on track and so you can go back to enjoying your life. If qualified, you could have money in your bank account in as little as 1 business day! How we do it: Our team mixes decades of banking experience with deep customer knowledge to deliver a hassle-free experience. And since March 2014, our platform has delivered over $10B of loans, with an A+ BBB rating as of July 2019.


Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 10:00pm
  • Tuesday 8:00am - 10:00pm
  • Wednesday 8:00am - 10:00pm
  • Thursday 8:00am - 10:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Best Egg, Inc.


  Available in 47 states
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Late Fee Grace Period 3 days
No Prepayment Fee
(Verified 11/13/2023)
Origination Fee (%) 0.99% - 8.99%
Checking Account Required
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Minimum Annual Income $3,500
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
Credit Score Range 600 - 850
Approval Speed 0 hours
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Customizable Payment Dates
Funding Time Range 1 - 3 days
Payment Options
  • Automatic Payments
  • Check by mail
Pre-Qualified Soft Credit Inquiry
APR Type Fixed APR
Loan Amount $2,000 - $50,000
APR (Fixed APR) 8.99% - 35.99%
(Verified 12/09/2023)
Loan Term 36 - 60 months

Best Egg Personal Loans Community Reviews


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This product is mostly recommended by SuperMoney users with a score of +36, equating to 3.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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