Is Best Egg Personal Loans the right fit for you?
Last Updated: 04/20/2026
SuperMoney User Recommendation Score +36
Mostly recommended42 total votes
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Highlights
Community Rating
Mostly recommended
APR (Fixed APR)
7.99% - 35.99%(Verified 04/20/2026)
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Amount Range
$2,000 - $50,000
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Loan Term (Months)
36 - 60
Number of Reviews
Best Egg Personal Loans Review
Best Egg Personal Loans is offered by Best Egg, Inc., a marketplace lending platform founded in 2014 and based in Wilmington, DE. Best Egg loan are available in 47 states.
Key Takeaways
- APRs starting at 7.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Best Egg Personal Loans are on the lower end of the spectrum.
- 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 .
- Prequalified rate. You can check your prequalified rate at Best Egg, Inc. with a soft pull that will not affect your FICO or VantageScore.
- 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.
Best Egg loan Pros & Cons
| Pros | Cons |
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Best Egg loan FAQ
What interest rates and personal loan terms does Best Egg loan offer?
Best Egg loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Best Egg loan offer?
Best Egg loan offers a fixed APR personal loan product that ranges from 7.99% APR up to 35.99% APR.
How much can you borrow via Best Egg loan?
Personal loan amounts start at $2,000 and 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.
| Personal Loan Amount | $2000 - $50000 |
| Loan Term | 36 - 60 months |
| APR | 7.99% - 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?
Best Egg loan does not disclose whether it charges late payment fees.
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.
| 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. Best Egg Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
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 or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 600 - 850 |
What is the estimated funding time for a personal loan via Best Egg loan?
Best Egg loan will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.
Does Best Egg Personal Loans report your account activity to credit bureaus?
Yes, Best Egg Personal Loans reports to the following credit bureaus:
- 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 build your credit.
Does Best Egg, Inc. perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Best Egg loan allows you to check your rates with a soft credit pull.
Are Best Egg Personal Loans legit?
Best Egg was founded in 2014, it is a well-established company that has been in business for 12 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
Best Egg Personal Loans Disclosure: Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. Eligibility is not guaranteed. The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. If offered, your loan agreement will contain specific terms and conditions. Your application is complete when you submit it to Best Egg. Your acceptance of an offer may impact your credit score.
The timing of available funds upon loan approval may vary depending upon your bank’s
policies. After successful verification your money can be deposited in your bank account within 1-3 business days.
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. Only two active Best Egg loans are available at one time and your total existing Best Egg loan balances cannot exceed $100,000.
Annual Percentage Rates (APRs) range from 6.99%–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%–9.99% 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. Eligibility for the best available rate subject to creditworthiness. For example: a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81; a 3-year $5,000 loan with 6.99% APR has 36 scheduled monthly payments of $152.83. Best Egg loans can be prepaid at any time without penalty. Barring any unforeseen circumstances, Best Egg loans have a minimum term of 36 months and a maximum
term of 60 months.
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 loans are personal loans made by Cross River Bank, a New Jersey Chartered Bank,
operating from its Wilmington, Delaware branch location, Member FDIC, Equal Housing Lender, or Column N.A., Member FDIC, Equal Housing Lender. © 2026 Marlette Marketing, LLC. All rights reserved.
SuperMoney Disclosure: SuperMoney.com 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
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.
Credit Cards
4
8
13 Reviews
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +36, or 3.7 on a 5-point rating scale.
+36
-1000+100
No one recommends
Everyone recommends
Best Egg Personal Loans Community Reviews
Would you recommend Best Egg Personal Loans to your friends?
Megan C.
Nov 23, 2023
May or may not recommend
I applied for a best egg loan before I got approved for a different loan and the process was very drawn out. They do seem like the have good interest rates just a long process. I think it could be a good starter loan.
MS
Mohamed S.
Nov 11, 2023
May or may not recommend
I recently secured a personal loan through Best Egg Personal Loans, and the experience exceeded my expectations. The application process was straightforward, and their competitive interest rates made it an attractive option. The only minor setback was the time it took for the funds to be disbursed, but the overall positive experience makes Best Egg Personal Loans a solid choice for personal loans.
ID
Irene D.
Nov 9, 2023
May or may not recommend
Offers amazing rates, had trouble with other banks and getting loans but Best Egg helped me tremendously in getting a loan when I needed it. The application process was easy and they answered all my questions.
EY
Eshaal Y.
Jul 20, 2023
May or may not recommend
My credit score was not very good but still, they approved me for a loan. you need to have a minimal credit score. It also offers low rates and does not charge an origination fee.
They also accept loans for people who have below-average incomes which is amazing!
The application process was so easy. I was approved in minutes! I received the funds within 2 days.
If you are looking for a ...Show More
MM
Miller M.
Jun 7, 2023
May or may not recommend
I don’t got any loans yet but saw is a app that would help in hard times
BW
Breya W.
Jun 6, 2023
May or may not recommend
They are good especially if you are in a situation and need money fast. You can get your funds the next day, application is a breeze. Like always with any loan pay it on time. Otherwise I had no problems even paid off early no fees.
PY
Paul Y.
May 16, 2023
May or may not recommend
They don’t give a flying f*** about the military. Closing on a house now trying to get my family away from mold, gas leaks, rapes and shootings in the neighborhood to a nice, gated community. I had one late payment in March 2023 and they refuse to forgive it even I begged them on the phone from the field. Now I can’t pass final underwriting on my VA loan. Thanks ...Show More
JM
Jacob M.
Apr 19, 2023
May or may not recommend
As a potential customer of Best Egg Personal Loans, I was disappointed with the incessant mailers that I received from the company. While I understand that it's common for lenders to send marketing materials to potential customers, the frequency and volume of the mailers from Upstart were excessive and became a nuisance.
Despite repeatedly opting out of the mailers, I continued to receive multiple pieces of mail from Upstart every week. ...Show More
GA
George A.
Feb 3, 2023
May or may not recommend
Unlike other lenders, Best Egg doesn't offer an additional rate discount for setting up autopayment. Other lenders typically discount interest rates by 0.25 to 0.5 percentage points to incentivize borrowers to choose autopayment.
Nor M.
Jan 21, 2023
May or may not recommend
Best Egg is the Best! I used this for over a month and it was so helpful, it never fails to meet my standards. I recommend this company to everyone.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
You need to have a minimal credit score.It also offers low rates and does not charge an origination fee. I recommend it,
TT
Torbjorn T.
Oct 16, 2022
May or may not recommend
You need to have a minimal credit score.It also offers low rates and does not charge an origination fee. I recommend it,
EB
Ela B.
Oct 14, 2022
May or may not recommend
They charge 27% annual rate plus daily interest rate of $17.77. Liars
RL
Roslyn Louberti L.
Sep 15, 2022
May or may not recommend
Great company I would use them again and highly recommend them to anyone in need of a loan.
Cenezhana R.
Aug 22, 2022
May or may not recommend
I tried to get a small personal loan of around $500 to $1000, the reason I tried with Best Egg was because I had already taken a personal loan out with my credit union and did not think they would give me a short-term loan for travel. Best egg wanted 3 or 6 months of pay stub information and a credit check. Their advertising made it seem like you could ...Show More
Hollie B.
Aug 19, 2022
May or may not recommend
The application process was so easy. I was approved in minutes! I received the funds within 3 days. The website is easy to navigate. I would definitely recommend!
CC
Celestina C.
Jul 22, 2022
May or may not recommend
This one saved me and husband from his debt about our problem when I was oversea, working. It's easy to apply and very fast though, the interest is a bit high still this is a good one if you are really in need of assistance.
SS
Sumaiyah S.
Mar 11, 2022
May or may not recommend
Best loan to get while going through a hard time in life. Was able to get this loan and back on my feet in no time. They are very reliable, and extremely responsive with any problems that may occur. Will recommend to any one who’s looking to start over.
JL
Jamie L.
Feb 22, 2022
May or may not recommend
BestEgg has a habit of promising one interest rate but delivering a final quote with something astronomical. Before looking into these personal loans I recommend comparing multiple options. I ended up going with another company.
JO
Jillian O.
Feb 17, 2022
May or may not recommend
Good terms for those especially with high credit scores. The interest rate is pretty high, but it’s worth it I’m my opinion if your desperate for a loan.
Showing 20 of 42 reviews
