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Best Egg Personal Loans

in Personal Loans from Marlette Funding, LLC

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Best Egg Personal Loans

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in Personal Loans from Marlette Funding, LLC

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Highlights
Highlights
Community Rating Mostly recommended
Loan Amount $2,000 - $35,000
APR  (Fixed APR) 5.99% - 29.99%
Loan Term 36 - 60 months
Number of Reviews 6

Best Egg Personal Loans Review

Best Egg Personal Loans is a personal loan offering by Marlette Funding, LLC, a direct lender based in Wilmington, DE. Founded in 2014, Marlette Funding, LLC offers access to personal loans in 47 states (and Washington, DC).

What rates and terms does Best Egg Personal Loans offer?

What personal loan APRs does Best Egg Personal Loans offer?

Best Egg Personal Loans offers a fixed APR personal loan product that ranges from 5.99% APR up to 29.99% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Best Egg Personal Loans?

Loan amounts start at $2,000 and go up to $35,000.

What can a personal loan from Best Egg Personal Loans be used for?

Personal loans from Best Egg Personal Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

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

Best Egg Personal Loans offers personal loans with terms ranging from 36 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Best Egg Personal Loans Rates & Terms
Loan Amount $2000 - $35000
Loan Term 36 - 60 months
APR 5.99% - 29.99%

What fees does Best Egg Personal Loans charge?

Does Best Egg Personal Loans charge an origination fee?

Best Egg Personal Loans charges a loan origination fee of 0.99% to 5.99% of the loan amount. Best Egg Personal Loans deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.

Does Best Egg Personal Loans charge a late fee?

Yes, Best Egg Personal Loans may charge borrowers a late payment fee of up to $15, which is triggered if you're 3 days late.

Does Best Egg Personal Loans charge prepayment fees?

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

Best Egg Personal Loans Fees
Origination Fee 0.99% - 5.99%
Prepayment Fee? No
Late Payment Fee $15

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

Applicants with a credit score of at least 640 can apply for a loan via Best Egg Personal Loans . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Best Egg Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay the loan requested.

Active duty servicemembers 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.Only U.S. citizens and permanent residents can apply for a loan.

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

  • Driver's license
  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Proof of income
Best Egg Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Joint Applications Accepted? Yes
Credit Score 640 - 850

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

Best Egg Personal Loans 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 loan payments to credit bureaus?

Best Egg Personal Loans may report credit data to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
BEST EGG PERSONAL LOANS Disclosure: *The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 5.99%-29.99%, which may include an origination fee from 0.99%–5.99%. Any origination fee on a 5-year loan will be at least 4.99% and is deducted from loan proceeds. The APR offered will depend on your credit score, income, debt payment obligations, loan amount, loan term, credit usage history and other factors, and therefore may be higher than our lowest advertised rate. Requests for the highest loan amount may resulting an APR 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 rate. Best Egg loans are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Equal Housing Lender. "Best Egg" is a trademark of Marlette Funding LLC. All uses of "Best Egg" on this site mean and shall refer to "the Best Egg personal loan" and/or "Best Egg on behalf of Cross River Bank, as originator of the Best Egg personal loan," as applicable. Loan amounts generally range from $2,000-$35,000. Offers up to $50,000 may be available for qualified customers who receive offer codes in the mail. The minimum individual annual income needed to qualify for a loan of $50,000 is $130,000. Borrowers may hold no more than two open Best Egg loans at any given time. In order to be eligible for a second Best Egg loan, your existing Best Egg loan must have been open for at least six months. Total existing Best Egg loan balances must not exceed $50,000. All loans in MA must exceed $6,000; in NM, OH must exceed $5,000; in GA must exceed $3,000. Borrowers should refer to their loan agreement for specific terms and conditions. A loan 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 5.99% APR has 36 scheduled monthly payments of $150.57. Your verifiable income must support your ability to repay your loan. Upon loan funding, the timing of available funds may vary depending upon your bank's policies.
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Message from Marlette Funding, LLC

Best Egg offers you an easy, hassle-free way to address your financial needs. Whether you need funds for debt consolidation, home improvement, vacation, a major purchase, or an unexpected expense, Best Egg can help get you the money you need to keep your finances on track.

About Best Egg Personal Loans

Availability

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

No Prepayment Fee  
Late Fee After (number of days) 3
Late Fee Amount $15
Origination Fee 0.99% - 5.99%
Minimum Age 18
Credit Score Range 640 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $2K - $35K
Loan Term 36 - 60 months
APR (Fixed APR) 5.99% - 29.99%

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