Best Egg

Name: Best Egg
Rating: 5.0

5.0

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19,572 User Reviews

9.9

Overall Score

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5.0

star star star star star

19,572 User Reviews

9.9

Overall Score

Get Quote

The Good

The Bad

Bottom Line

Reviews

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Company Details

Minimum Loan Amount

$2, 000

Maximum Loan Amount

$50, 000

Loan Terms

36–60 Months

Minimum Credit Score

600

Origination Fee Type

Percentage

Co-Signers or Co-Borrowers Accepted

Neither

Time in Business

12 Years

Company Headquarters

3419 Silverside Road Wilmington, DE 19810

Number of Reviews 19,572

info Source of Information

Best Company guarantees your satisfaction if you choose a company that has earned this distinction. If you're not satisfied after 30 days, simply let us know and we'll give you $200. Yes, it's really that simple.

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Author: Kaitlyn Short

LAST UPDATED: March 31st, 2025

Best Egg is an online lending platform focused on personal loans. The company has helped fund over $7 billion in personal loans since its founding in 2014. Most Best Egg personal loans are used as debt consolidation loans to pay off high-interest debt, like credit cards, but you can use them for a variety of expenses. The company offers competitive rates through its second partner bank, Blue Ridge Bank.

With an exceptional consumer star-rating on BestCompany.com, Best Egg loan reviews indicate a quality company with exceptional service. These reviews offer a comprehensive look at the pros and cons of borrowing money through this service through the lens of people like you.

Highlight: Best Egg rates and terms

Loan amounts — $2,000–$50,000
Time to funding — As quick as 1 business day after approval and verification
Origination Fee — 0.99%–8.99%
Minimum income — $35,000
Minimum credit qualification — 600
Loan repayment term — 36–60 months
Rates (fixed) — 8.99%–35.99% APR

Continue reading for a full review of the company, as well as verified Best Egg reviews.

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The Good

Great for High-Interest Debt Consolidation
Instant Decision Process
Clear, Transparent Platform
No Prepayment Penalty Fee
Due Date Changes for Eligible Borrowers
Fixed-Term Plans
Simple Interest Loans
Secured Loan Option
No Credit Impact for Loan Pre-Qualification
Positive Best Egg Reviews

Great for High-Interest Debt Consolidation

Are you looking to consolidate your debt with a personal loan?

Best Egg personal loans can be an excellent option for applicants looking to consolidate debt or pay off high-interest credit card debt, primarily due to its low annual percentage rates (APRs*) ranging from 8.99 percent to 35.99 percent, and loan terms ranging from three to five years.

Best Egg also gives borrowers the opportunity to pay off their loan faster than is scheduled, without being charged any prepayment penalties. These loan terms provide a manageable payback process that is typically much more effective than many other debt relief or consolidation companies.

Instant Decision Process

Because Best Egg is an online lending platform, the loan application process is quick and easy, making it simple for consumers to apply and receive funds.

After submitting any documents for verification, customers could have money in their bank account in as little as one business day. Nearly all customers will receive funds within three business days after final approval, depending on their banks' policies.

It is important to note that most personal loan lenders have an online application, but some will also require applicants to speak with a company representative over the phone to complete the process. A entirely online application can save you more time and get you funding much faster, as is the case with Best Egg.

Clear, Transparent Platform

Best Egg makes repaying loans simple, with several options to make loan payments:

Setting up automatic payment through electronic funds transfer
Paying online
Sending a check through the mail — Payments sent in the mail should be given at least five to seven days to reach Best Egg.

Borrowers don't have to worry about a payment processing fee. Customers can also set up monthly payments at a Western Union office. Keep in mind that there is a fee charged for each transfer.

Best Egg is transparent when it comes to sharing information with customers and provides clients with loan terms, including fixed interest rates and monthly payment amounts. Best Egg also provides an easy-to-find, clear privacy policy on its website with information detailing how it limits the sharing of clients' personal information.

Best Egg's website is easy-to-use and transparent and has the majority of information you will need with answers to common questions you may have. Your personalized Best Egg login also has your account information listed, including account balance, payment due date and amount, late payment info, as well as your payoff amount. Having all of this readily available to you makes it simple to manage your personal loan and ensure you stay up-to-date with payments and important changes to your account.

No Prepayment Penalty Fee

Best Egg does not charge a prepayment penalty fee if you decide to make extra payments or repay the loan faster than your loan term requires. Prepaying on your loan will reduce the amount of interest you pay, so this will only benefit you if you choose to do so. Be sure to regularly communicate with Best Egg once you have your loan, so you always know what your payoff amount is.

You can see your payoff amount at any time through the Best Egg account portal. This will also show you how much you could save in interest fees if you pay off your loan early. Penalty-free prepayment is always preferable, especially if you are looking for a consolidation loan with the goal of eliminating needless interest and fees on your other accounts.

Due Date Changes for Eligible Borrowers

Best Egg personal loan payment due dates are subject to change for eligible borrowers. This allows flexibility for consumers to change the due date if necessary. For example, if you prefer to pay your bills at the end of the month versus the beginning of the month, Best Egg, when possible, will work with you to decide on a due date that works best for your budget and financial situation.

Fixed-Term Plans

Best Egg offers personal loans with fixed-term plans.

This means that the amount you pay each month will not fluctuate, and your rates will stay the same throughout the lifespan of your Best Egg loan term.

This provides peace of mind and stability to borrowers and makes it easier for them to stay on top of payments throughout the loan term, as there will be no rate changes that can be expected with a variable rate personal loan.

Simple Interest Loans

Best Egg loans offer simple interest loans rather than compound interest loans. Simple interest can save you more money overall because interest is calculated only on the outstanding principal balance. Compound interest loans charge interest on the principal as well as on accumulated interest from past non-payments, thus potentially increasing your payments.

Secured Loan Option

If you have a low credit score and would be considered a "high-risk" borrower, Best Egg does offer a secured loan option, requiring collateral — something of value that you own, such as a car, home, or other property — instead of relying wholly upon your credit to make a lending decision. Secured loans pose less risk for a lender since your collateral can be seized in a situation where you are unable to make your payments, ensuring that the lender receives some sort of compensation.

This is a unique option in the personal loan industry, providing a wider range of borrowers the opportunity to have a loan with Best Egg.

No Credit Impact for Loan Pre-Qualification

When you check your rate and potential to qualify through the Best Egg lending platform, your credit score will not be impacted.

Like many online lenders, Best Egg uses a soft credit inquiry to see if you are eligible and to determine what your rates would be. This requires entering personal details including your name, address, social security number, annual salary, etc. The opportunity to pre-qualify makes it easy for potential borrowers to make smarter financial decisions. They can compare lender rates and decide if Best Egg is right for them, without negatively impacting their credit in the process.

If you choose to accept Best Egg's loan offer a hard credit inquiry will be performed, which is standard in the industry.

Positive Best Egg Reviews

The majority of Best Egg loan reviews left on BestCompany.com from real customers are overwhelmingly positive, highlighting the following:

Quick and straightforward loan application and process
Satisfactory rates
Excellent customer service

Best Egg complaints are limited.

If you are interested in reading all current Best Egg reviews, click here.

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The Bad

Loan Origination Fees
No Joint Loans Available
Not Available in all States

Loan Origination Fees

Best Egg personal loans have an origination fee between 0.99 and 8.99 percent of the total loan amount. The origination fee is the one-time cost for Best Egg processing the loan.

Unlike the interest rate, the APR includes both the interest rate and all fees, including the origination fee.

Best Egg states that any loan with a five-year repayment period will have a loan origination fee of at least 4.99 percent. This fee is deducted from the loan when funds are deposited into your bank account and is considered when calculating the annual interest rate.*

No Joint Loans Available

Best Egg does not currently offer joint loans. Many other lenders have a joint loan and/or cosigner option which can help subprime borrowers qualify and receive lower rates.

If you are looking for a personal loan, but want to apply with a cosigner, consider lending sites like FreedomPlus and Upgrade, or peer-to-peer lending platform, LendingClub.

Not Available in all States

Best Egg's personal loan products and services are available in 47 states, including Washington, D.C. However, loan products and services are not available in the following states:

Iowa
Vermont
West Virginia

If you reside in any of the listed states, you will need to look into other personal loan company options.

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The Bottom Line

The Best Egg platform offers personal loans to borrowers with good credit and excellent credit. These loans can be used for a variety of purposes, including debt consolidation loans, credit card refinancing, and home improvement — but cannot be used for a student loan or auto loan (which is typical for personal loan companies). These loans are encompassed in a quick approval process and a transparent platform.

Best Egg is unlike online peer-to-peer lending platforms that have to wait for investors to fund loans. Its financial institution partner, Cross River Bank, is ready to fund qualified applicants, which allows Best Egg to transfer funds electronically to a bank account in as little as one business day.

Best Egg offers unsecured loans with a fixed monthly payment for the life of the loan. The online loan application process takes a few minutes to complete. A soft credit check will be performed once an application is submitted, but customers don't need to worry about this credit check having an impact on their credit score or showing up on a credit report. There is also no prepayment penalty fee.

Approval requirements are low and minimal, which is particularly good news for subprime borrowers — Best Egg's minimum credit score is 600 and minimum income is $35,000. This could make it easier to qualify for a personal loan, although your rates and terms will still be dependent upon your finances.

Read Best Egg loan reviews below to see what consumers are saying about this online lending service.

*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 score, 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: crt-resolutions@bestegg.com, 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 https://www.rld.nm.gov/financial institutions/

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User Reviews

Star Rating

5.0

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19,584 Reviews

Review Breakdown

5 grade

93%

4 grade

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Service

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Jessica Nicole Bumgarner

I was mislead from the beginning about the process and timing of a personal loan, even after expressing the urgency of needed funds. And after speaking with several people and a supervisor. The best response I received was " I apologize for the inconvenience and Happy New Year"

3 months ago

Reply from Best Egg

We appreciate you taking the time to share your experience with us. We're so sorry to hear that the service you experienced was anything less than perfect. Please be assured that customer satisfaction is our number one priority, so we will be sure to forward your feedback along to the appropriate department for review. If you would like to discuss your concerns further, please feel free to give us a call at 855-282-6353. Thank you.

Jan. 2nd, 2025

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Verified Customer

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Aj B (Hichou) Queen Creek, AZ

All reviews are rejected. Seems you need to write about them, but they gave me a personal loan while I was under duress. I'm hoping that's enough that it won't get automatically removed. I have a lawyer and they still keep Auto withdrawing money from my account even though they are not allowed to.

1 year ago Edited January 10, 2024

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

May. 5th, 2023

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Verified Customer

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Anthony West Palm Beach, FL

This is the the WORST bait and switch "PRE APPROVED" predatory lending company I have ever seen. DO NOT BORROW MONEY FROM THESE THEIVES! If you have perfect credit they bait and switch!!

1 year ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. Once one applies, we make credit decisions based on credit history and the information provided in the loan application such as income, employment and other key financial ratios. If you would like to discuss your concerns further or request to be removed from our mailing list, please feel free to give us a call at 855-282-6353.

Sep. 22nd, 2023

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Verified Customer

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Andrew Walsh Palm Springs, CA

Poor Customer Service - I wanted my loan funded quickly. I supplied all my banking information. The customer service rep sat on the loan all week. I got a loan from someone else. DO NOT deal with Best Egg!!!!!!!!!!

3 years ago

Reply from Best Egg

Sep. 28th, 2021

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Eileen Underwood Meridian, ID

Well, thanks for making sure I know that you have felt it necessary to send a msg when I don’t contact you. It doesn’t make sense to say No to a request for debt consolidation loan. Umm…. There’s a reason I have late payments, however I don’t have a serious delinquent with my accts. I don’t know where that’s coming from. All Liam co & banks offer consolidation debt loans , but never approve them to help get out their f debt. Makes no sense. I wouldn’t need a consolidation loan if I had perfect credit & not struggling to make payments. I’m pretty certain this is exactly the reason for ANYONE applying for a Debt Consolidation Loan, is this not correct?? Please explain your definition of a debt consolidation loan? People with lots of money & good-excellent credit don’t need debt consolidation loan. I mean you can obviously see I need help!! I tried to erase Amazing on bottom r of page. I certainly did not put that their. You populate that on your end to people’s reviews. Shady. Remove that from my review immediately fraud

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Mar. 7th, 2023

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cj Pierre, SD

I applied for a loan on 12/22/22. I was approved that day and the loan was supposed to be funded in the next 1-3 business days. I contacted someone on 12/28/22 when I had not received my funds. The rep was really helpful and said there was a technical issue holding things up and assured me it was taken care of. I was told 1-2 business days. I had bills due so initiates the payments since I had assurances that the loan was to be funded on time. Nope! Now payments are bouncing and I’m in a bind. Bestegg has been excellent in the past but they’ve really dropped the ball on this one. I put my trust in them and it’s cost me a ton in returned payment fees and a hit to my credit for a late payment. Sure, ultimately it’s on me for counting on money I didn’t have yet but I was in between a rock and a hard place and was assured that I was good to go.

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Jan. 6th, 2023

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David L. Taylor Jr. Cincinnati, OH

An error in banking information has deposited my loan into an account that doesn’t belong to me. The Best Egg bank verification did not catch the error. When I called to speak with customer service, I was told that Best Egg will not contact the bank. They made it my responsibility to deal with the bank and request funds be returned even though I don’t know where the money was deposited. I am not a lending institution and my name is not on the account where the funds were deposited. Seems like the “verification” process should be more thorough. I’ve received a bill for funds that were never deposited in my account.

2 years ago

Reply from Best Egg

We're sorry to hear of this situation. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Nov. 30th, 2022

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K. S. Propps Lexington, KY

You guys are nuts! My credit score for transunion is 800, for equifax is 804 and my fico score is 785 and you said experian is 767. All of these scores are considered very good to excellent. All of my credit card accounts HAVE! been paid as agreed and I have a $0 credit card balance! My newest credit card is more than 4 years old and some are as old as 11 years! The only thing correct in your letter of rejection is "lack of installment information". Can't you see that that is what I am trying to do. Best Egg is the type of company that tries to keep people down in order to keep the rich rich and the poor poor! Go ahead and try to dominate the middle class. Have a merry christmas. I'm sure it will be nicer than my family's! Don't worry about me bothering you again because I will be too busy looking for an honest, reputable lender and badmouthing the Best Egg company to anyone who will listen. Thank You for NOTHING! K.S. PROPPS

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Nov. 21st, 2022

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JJTSP 721 Lawrenceburg, KY

When a person has a good credit score you loan them money. Even with a good standing best egg loan that's not good enough to consolidate and borrow again with Best Egg because my score changed. Stop asking to check for offers that its clearly obvious I don't qualify for. Why even ask? I had a good vibe at first when I originally took out a loan but quickly realized its credit score first, not on time payments and good standing, credit score first. When I pay this loan off eventually I will make sure and never borrow from Best Egg again. If you want to help others including myself, stop using practices like Synchrony where your credit line is reduced or cut off because of your score even for on time and payoffs.

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Nov. 10th, 2022

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Mitchell Williams Benicia, CA

Not very happy the second time around ! I requested a $ 20,000 loan it was Approved !!!!!!!!!!! with a 12 to 14 % interest rate …. A BestEgg service advisor said I had a option to look at another quote they had to offer and if I didn’t like it I could return to the first quote of 12% well I did check out the other options and it was 18 % so I asked the service advisor to give me back my loan quote with 12% and he tells me the computer kicked it out and he can’t get it back well I was angry and asked to speak with a supervisor or get a supervisor to intervene so the advisor put me on hold for about 2 minutes and said there was nothing they can do to correct the problem so I hung up pissed !

3 years ago

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Craig Stillman Old Bethpage, NY

About 4 years ago my wife stole my identity and got a loan on bestegg.com for $15,000 without my knowledge. I had her arrested and filed a fraud report with bestegg. They took it off my credit report, however, I recently applied for my own loan on bestegg and they have me listed on their site as delinquent. I spoke to Peter C a so called manager and he said there is nothing he can do. First they give a loan to my wife using my ssn, and now I can’t a loan of my own even though I had her arrested and I’m now divorced from her. I would never use bestegg.com. I’m a victim of fraud due to them and now I’m being punished for alerting them to this fraud.Your personal information is not safe with them.

5 years ago

Reply from Best Egg

We are investigating your concerns and are in the process of resolving it for you. We do apologize for any distress and inconvenience. In the meantime, let us know if we can do anything else by giving us a call at 855-282-6353.

Nov. 22nd, 2019

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Mike Alexandria, VA

I don't think this lender is that good. Reasons are 1) They asked too many extra documents to support the loan such as last year W2, 2 paychecks, checking accounts, void check book etc with such a small loan and demanded high credit score. My income is well more than 6 digits my debt and income ratio 1/100 or my debt is 2K in balance but I received a cut-throat interested rates 2) When loan approved, it takes 3 days to deposit to the bank 3) Intereted rate is much higher than any lenders. I wouldn't recommend the borrower to choose this lender. Keep in mind that I had credit score above 700 but my interested rate is higher than 30%.

5 years ago

Reply from Best Egg

Thank you for taking the time to leave us feedback. We're sorry to hear that you're dissatisfied. Credit decisions are based on many factors, including credit history and the information provided in the loan application such as income, employment and other key financial ratios. If you have any other questions or concerns, please give us a call at 855-282-6353.

Jul. 25th, 2019

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Jen Nashua, NH

The Best Egg personal loan Interest rate (for credit card debt consolidation purposes) was the lowest rate I found, and the entire application process was completed quickly online. There were a few hiccups - at one point the system tried to verify my bank info by sending a text to the phone number in my bank records, but that number was a landline that could not receive texts, and there was no way to go back and suggest a different authorization method such as e-mail. But even with the hiccups the loan proceeds were deposited into my account within three days. I am a little unhappy that loan payments are handled as automatic withdrawals and there doesn't seem to be an option for the customer to control the timing of their payments ( via automatic bill payment, or simply sending checks), although the loan agreement indicates customers may do so but will be charged a fee. Still, a very convenient process and loan set-up.

6 years ago

Reply from Best Egg

Hi Jen. Thanks for taking the time to reach out and leave us a review. We take your feedback seriously. Give us a call at 855-282-6353 and we may be able to help un-enroll in automatic withdrawals and changing monthly due dates. Thank you again for sharing.

Jan. 8th, 2019

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B B Scottsdale, AZ

Do not deal with this company!! First off, I was told that i get a $100 gift card if i accepted my loan. No disclosure that it took 30 days AND after making your first payment to get the gift card. I was told it was just for "accepting the loan". Come to find out, that was all a lie. I was planning to use it for Christmas and now i wont even get it until well into january. If i ever do get it. Second, everything about the documents they required is shady. I had to supply 4 pay stubs and a W2 to verify my income and employment. Even tho my W2 and my most recent pay stub dated 2 weeks ago are both from the same organization and clearly state my gross income. That still wasnt good enough and they needed a bank statement showing that "money went into my account" before thy would consider it income? wth? What i do with my checks after the employer pays me is my business. I dont have to deposit them!!! Then there was the "conference call" with my bank to verify my account was legit, in my name, the routing and checking account number, and that it had been opened within the last 60 days. All because i dont have checks. Because who uses checks anymore? I havent needed, or used, a check for 5 years now. So, when i opened this account, i didnt see the point in wasting my money or trees to print something i will never use. Apparently a bank statement and a snip from the online account showing my name, routing #, and account # are not enough for this company. no. We had to waste 30 minutes of my time on the phone calling the bank for them to tell them exactly what the documents i provided showed. Then there were the 4 phone calls about an annual bonus that were beyond ridiculous. The customer service reps are rude, dismissive, and condescending. I have NEVER been so frustrated and so insulted with people on the phone that i lowered myself to their level of rude and condescending. That is how bad the calls were with these reps. The reps literally laughed at my questions about why they needed proof the income went to the bank. I still dont understand what that has to do with getting a loan approved. As long as a i make the money, i can burn my checks if i want!! Do yourself a favor, go anywhere else. I dont even have my funds yet and i am over this business and looking for ways to pay it off and refinance elsewhere.

7 years ago

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A. Palmer Smithville, MO

The application process was easy, but that's not the problem. Monthly payments come out automatically. I paid a large chunk of my loan off, prior to my April 25th due date. Therefore, my account showed that my next payment wasn't due until May 25th. I paid the balance OFF on April 24th. They went ahead and took the monthly payment out also, even though I paid it off, and it showed the next payment wasn't due until May 25th. This caused my bank account to be overdrawn, and I was charged a $35 fee from my bank. When I called for my refund, the guy said that even though my online account showed that my next payment wasn't due until May 25th, the automatic withdrawl wasn't changed, so that's why it came out again. Ummm....what?! That makes no sense! He said they would issue me a paper refund, and only refund the overdraft fee if I send a statement showing the amount. I advised him that I want the refund electronically, since they chose to take it out elecronically. My bank sent the first statement. The next day, they sent another showing the overdaft fee. After 4 business days, I hadn't heard anything. I called AGAIN yesterday, and was told the second statement showed a "pending" overdraft charge, and that they now needed a THIRD statement showing it was actually charged. 1. NO ONE EVER CALLED TO LET ME KNOW INFORMATION WAS "MISSING," OR FOLLOWED UP 2. The second statement DOES show the overdraft fee as an actual charge. 3. I will not wait 2 weeks for a paper refund, when YOU screwed up, not me. 4. I still haven't recieved or heard anything, and the last converstaion with them was 2 days ago. I will never use them again.

7 years ago

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Jeff Frazier Park, CA

Horrible Customer Service – Huge Fees – High Interest Rates Best Egg hounds people to apply every month, in my case for over a year. They carefully to tease to apply using low interest rates like 5.99% and then switch it up with higher rates like 18.9% through the application process. So you think they can save you 2-3% and you continue on only to find a HUGE processing fee added to the loan. Example: $3000 loan = $350 fee you will pay interest on or 11+% in my case. If you continue through the process they will ask for tax returns, pay stubs, SS statements, avoided check, and possibly more for verification. After you scan and upload all the documents, don't expect much in the way of communication. You might receive an email telling to check your Dashboard for loan status. Days can go by with no word from them so you log on to your account and check the status. If you have a question expect long waiting periods and when you finally reach a Best Egg agent, they will refuse to tell you anything other than your loan in pending, approved, or closed. They don't use the word “Declined” they use the word “Closed”. My Dashboard said, “Declined for Insufficient Documentation". I think they need additional information and contact them. I wait and I wait and I wait for an agent. Finally get a person, verify the account, mention the dashboard message, and ask what is needed. The Best Egg agent says, "The loan is closed" in a very negative tone. I ask what this means. She says, "It's closed, the loan was not approved. I asked the reason. This is where she became very rude, snotty even, you know the type, highhanded and arrogant, then agent repeats, “the loan is closed". I asked again what the reason was and if Best Egg needed more documentation. This time I get the silent treatment. Dead silence. I heard nothing but the sound of their breath and background chatter. I asked if I would be receiving something in the mail and they said "yes". I asked to speak to a Supervisor and with the sound of "huff" I was put on hold where I waited and waited and waited once again until I was connected to a supervisor who proceeded on and on with a convoluted explanation full of loan jargon without really saying anything other than that “the code” indicated that the income was lower than what was needed for the loan. I was declined with a 50K-60K income, not heavily in debt, good credit rating, nothing ever late, no charge offs, etc. I just bought a house last October and was approved for a 30 year fixed at 3.1%. Hope this review helps others considering this company.

7 years ago

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Mike Majdanski Fair Lawn, NJ

I'm not even sure if this company really gives out loans. Every few weeks or so I receive an offer in the mail from them saying I have been pre-selected for a loan of up to $40,000. In the beginning I started asking for a modest size loan, in the $15,000 range, and I was denied. The next time I received an offer I went down a bit to $10,000. Denied. I just got another one in the mail today, and I tried doing it for only $4,000. Denied. It said my credit score was 709, and my income is over 10x the amount of this loan. I just wish there was someway to stop them from sending me this junk mail in my mailbox because clearly I'm never going to be approved.

8 years ago

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Hilda Herceg Pacifica, CA

Why would Credit Karma state I have outstanding odds of getting approved just to get denied. In addition, a Best Egg agent contacted via phone and I confirmed that I have dealt with a debt settlement company and I was told that this would not at all risk my chances in getting approved. I was trying to consolidate my credit cards that have ridiculous high interest rates. All my credit cards payment have been on time and lower that 40 % usage. This is very disappointing.

2 years ago

Reply from Best Egg

Mar. 14th, 2023

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Crystal Tedore Leonardtown, MD

Horrible experience After several days of jumping through hoops and being spoken to very rudely, I am then told I have to submit more and more documents AFTER I had been told my loan WAS APPROVED.... I finally just pulled my application, All smoke and mirrors, tell you one thing and then do something completely different and when you speak up they talk to down to you as if you are a child being punished. Not accepting rude customer service and 27% interest. Capital One is offering me the same loan at 8.9% So as it turns out the rude agent at Best Egg saved me A LOT of money

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Nov. 23rd, 2022

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Ben Brooklyn, NY

Not good! Was immediately informed my personal loan had changed ownership but nothing would change. Was informed my payments would be on the 12th, then the 13th but still no auto debit has been made. Instead it says debit made then “reversed.” The website doesn’t keep you logged in so you have to log in again every time you navigate through the site! I ended up not being able to log in or navigate to review payment activity. Of course it’s a Sunday so they’re unavailable. This is not at all the experience I was hoping for. In a word: Best Egg sucks!

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Nov. 17th, 2022

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Christine Korbal Washington, DC

You are nothing but loansharks, trying to draw people in with the potential of a low - or at least normal - APR, and then offer “loans” with APRs triple that! You’re insane, as well as unethical. With my salary, and a FICO score of 668, which isn’t horrific, the APR offered was ridiculous. Unfortunately, there are people desperate enough to pay almost 50% of the loan amount - an additional $7,000 in interest - over the life of a 3-year loan. I’m not one of them. Best Egg is on the same level as a common, thieving criminal.

2 years ago

Reply from Best Egg

Thank you for taking the time to reach out. We're sorry to hear that you're dissatisfied. Credit decisions are based on many factors, including credit history and the information provided in the loan application such as income, employment and other key financial ratios. If you have any other questions or concerns, please give us a call at 855-282-6353.

Nov. 14th, 2022

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Jose Robles Seattle, WA

What it seems would take one or two day process was dragged by bad information in what exactly they needed to proceed. They would blow you up with calls all day but when it come to actually helping wasent taken serious till I was deciding pull out and go somewhere . Had mis hours of work because they couldnt work with there own options they kept giving me to confirm paperwork.

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Oct. 21st, 2022

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Jason Ashburn, VA

It’s been three days I still have not received my money . I was told at time I verified my account on Friday 9/30/22 I was approved and money would usually show up in first 24 hrs. Since then I keep receiving numerous emails asking me to verify my account even though website shows loan was approved. If the money is not in my account by the end of the day today. 10/5/22 I’m going to be forced to cancel this loan and apply else where. I would love to speak with a supervisor immediately about this if they call today before 4pm if not I’m calling back to cancel. Jason

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Oct. 6th, 2022

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S. Sherry McKeesport, PA

My husband applied for a small personal loan, we found another loan company with a MUCH BETTER OFFER so we accepted the better rate loan. NEVER accepted the Best Egg loan however they still deducted the monthly payment from our bands account. Best Egg then continued to argue with us that we received the loan funds…..finally 10 days later they did refund our money!! Horrible customer service. Stay away!

3 years ago

Reply from Best Egg

Jan. 20th, 2022

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Bulletproof X North Little Rock, AR

Don’t waste your time giving them your information. I had more than the require minimum credit score and annual income and still didn’t get approved. Misrepresenting their information about the minimum 600 and $35,000 annual income. Don’t let the good reviews fool you, they probably come from people who has 700+ credit scores. So if you have a 600- 650 mostly you won’t be approved.

4 years ago Edited September 14, 2021

Reply from Best Egg

We apologize we did not have offers available for you at this time. If you haven’t already, you should receive a letter online or by email that provides a reason why we weren’t able to find rates for you at this time. Loan offers are a combination of an individual’s application and credit history. Factors like the current economic turbulence may have impacted the availability of rates and result in higher interest rates/APR. If you're pre-approved, it means that your credit report, as reported by credit agencies, meets certain criteria that we look for in customers. We need additional information, such as income, that you’ll submit in our application to see if you qualify for a loan from us. Checking your rates has no impact on your credit score. We encourage you to check back in 30-60 days to give your credit a chance to update. If you have any additional questions you would like to discuss, please feel free to reach out at 855-282-6353.

Feb. 1st, 2021

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Thomas Vicksburg, MS

I would never get another Loan with Best Egg. I make a payment every month of $1,000.00 wanting to payoff my loan as soon as possible. Talk to them every month . I want the balance of my monthly payment to be put on the principal. Instead of doing that they spread it out and put in on monthly payments. Today is January 7th. 2020. They show I am paid through July 2021. Who do I have to talk to, to get it corrected without calling every month and getting the same information. Please fix this.

5 years ago

Reply from Best Egg

Thomas, thank you for reaching out. We are messaging you privately to try to get in contact with you regarding your concerns.

Jan. 11th, 2020

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James T Youngsville, LA

What a joke.. why would they ask u to leave a review after saying money will Be in your acct in 1 to 3 days , u leave a good review, then the next day thru say things change and we cant approve u. I suggest people dont leave review til money is in bank. Good lord I make 100k and never late on any payments and still get denied, AFTER, being approved..

6 years ago Edited September 14, 2021

Reply from Best Egg

We're sorry to hear that you feel this way. Please be assured that your feedback will be reviewed and taken into consideration to improve our customer experience. We appreciate you taking the time to leave this review. If your concerns have still not been resolved, please give us a call at 855-282-6353 so that we can get things straightened out. Thank you.

Nov. 5th, 2018

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Bambi Shropshire Aurora, CO

My loan has not funded yet but in attempting to have my very simple questions answered I had 2 agents, Joaquin and Marsha, put me on hold and never return to the line. I meerly wanted to have the APR explained, to know if I could pay the origination fee instead of "rolling it into the loan", and to see if I could request a smaller amount. Since I was not accepting the standard call-center answers which told me nothing, both agents put me on hold and never returned to the call. WAY TO DO BUSINESS BESTEGG! We're off to a great start!

7 years ago

Reply from Best Egg

Hi Bambi. We're so sorry to hear that your experience was less than satisfactory. Please know that we strive to provide excellence service to our customers. We have forwarded your concerns along so that a representative can reach out to you directly.

Feb. 15th, 2018

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D Gardner

I had some credit cards (hours cut at a previous job so had to pay bills with CC) I wanted to pay off with a lower interest rate. I have never been late ever with any payments. I got the response they would not help me. They advertise they give lower interest rates for consolidation. If you are not going to help people, don't advertise that you will...

7 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. Credit decisioning is based upon many factors which determine your ability to pay and considers criteria such as current income, debts, payment history, and credit bureau data. If you'd like to discuss your concerns further, we would be more than happy to address them directly. However, to ensure that your privacy is protected, we kindly ask that you give us a call at 855-282-6353. We are available Monday through Thursday from 9:00am – 9:00pm, Friday from 9:00am – 7:00pm and Saturday from 10:00am – 5:00pm EST.

Jan. 9th, 2018

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ADS

I am a very easy and simple person. I had all the documents etc.. long story short, I couldn't not use the reimbursement for my internet and cable which dropped my income by $2,100. So they raised my interest rate over 1%. It was a long 4.5 days. I went to Avant and got approved in less than 5 hours. Best Egg personnel were friendly but it was this round and round circle. So basically I got a hard pull on my credit for a weeks worth of grief.

7 years ago

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Sidney Lazare

On December 5 best egg debited my account twice for 544.17 they asked me to provide proof of the double charge. I got them the info five days ago my count still not created this is what I call poor customer service. I talk to a customer service rep named Jennifer. she claims it cannot be posted to my account until it clears on there end. I sent them my bank statement and it clearly shows where it was taking out two times .

8 years ago

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Rick Heller Asbury, NJ

Yes, they actually loan you the funds, at 25% interest. Try paying your loan off early and see what happens. For some reason the payoff doesn't complete and they continue withdrawing funds from your checking. Customer Service is non existent for this company. I sent 4 emails to their published customer service email address inquiring about the payoff I tried to process and didn't receive a single response to any of them. My bank told me they do this so they can charge me a fee for late payment once the payoff doesn't complete. Borrow money elsewhere, avoid this company if possible.

8 years ago

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Jesse Colorado Springs, CO

I sent in an application since last week. I have gotten nothing but phone calls 3-4 times a day to tell me they have not received my documents. Which I find odd, they have received everything but one thing. I have resent it 4-5 times this week and they still haven't received it. But when I call they have the paper work. This has not been easy or fast like they say and ready to just go somewhere else. Tired of the hassel.

9 years ago

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Rex Woodbridge, VA

Like so many others, I received a letter telling me I was pre-approved for $50,000. I am retired with a very good fixed income, and I have a great credit score. After filling out the application, I was told that they had no rates for me, meaning that I was denied. This is insane. If having checked this out effects my credit score I will be screaming bloody murdsr. Beware these letters telling you that you are "pre-approved."

9 years ago

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Mindy Clarke Tacoma, WA

We tried for a loan with this company and we were denied which is ok. However now they send us requested all the time to get a loan with them and say we are pre approved but, then we try and again don't qualify. I wish they would stop sending me requests in the mail.

1 year ago

Reply from Best Egg

Per your request, you have been added to our “do not solicit” file. You may receive additional solicitations for up to 60 days due to us initiating mail at our print vendor a month in advance. We can assure you that you will be removed from any future campaigns that have not already been initiated. We apologize for any inconvenience this may have caused. Please feel free to give us a call at 855-282-6353 with any additional questions or concerns.

Jun. 30th, 2023

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Bruxanne El-Kammash Pooler, GA

Denies a loan using incorrect information from credit report. They say I have an account in credit counseling and that is completely not true! Stop soliciting my business if you are only going to deny it based on fake information.

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Mar. 7th, 2023

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Zandria Ellis NC

I feel it is unfair to disqualify someone from a loan because of a past account with another company. Especially, when the past account was paid in full and the account was always in good standing. All a person needs is a chance!

2 years ago

Reply from Best Egg

Feb. 17th, 2023

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Kimberly Jackson Memphis, TN

I'm needing a loan for my 22 year old sons funeral. This is an emergency he died unexpectly. Best Egg said all credit accepted. That's not true. It's based only on what your credit report says or dont say. I work and bring in a good salary. I don't have alot of bills or credit cards.

2 years ago

Reply from Best Egg

Feb. 14th, 2023

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Rosa ro Paramus, NJ

So, I just retired from teaching in a public school for 32 years. I own a house and have owned many cars over years. Took out student loan for my son to become a pharmacist. * Over 140K. Yet, Best Egg tells me that I have "insufficient credit history". Wow! Glad not to to business with you , if this is your level of competence!

2 years ago

Reply from Best Egg

Feb. 3rd, 2023

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ohwell22 Sugar Land, TX

Website attracts applicants with all their personal information, but never advise how long they will keep it. They should delete immediately those denied applicants, there is no reason to hang on to private information that is useless to them, or is it?

2 years ago

Reply from Best Egg

Thank you for taking the time to reach out. We're sorry to hear that you are dissatisfied.
Personal privacy is very important to Best Egg. We go to great lengths to protect consumers'
personal information from unauthorized access and use. For more information, please check out
our Privacy Policy at www.bestegg.com or feel free to give us a call at 855-282-6353.

Feb. 1st, 2023

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Charles Black Missoula, MT

You sent me a letter that said I was prequalified for a loan of up to $50000. And when I submitted the application you tell me I’m not eligible. What kind of hypocrisy are you operating on. You are nothing more than a bunch of liars. I’m doubtful if I’ll ever be a costumer with your company

2 years ago

Reply from Best Egg

Jan. 27th, 2023

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Wayne Cincinnati, OH

Holding something against someone 6 years ago when they lost their job,and only 2 payments missed, yet all the other bills are on time every month up to now is ridiculous. I reported this, you should never come up as a perspective loan with petty criteria restrictions.

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Jan. 19th, 2023

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DD Austin, TX

It is a little ironic to apply for a debt consolidation loan and be turned down due to having too much debt. If I had the funds to pay off my debt, I would have no need for a debt consolidation loan. Thanks for absolutely nothing! :)

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Dec. 20th, 2022

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Arveta Peterson

I got a loan for $10,000 and paid it back with no problem, now you won't give me a lousy $6000. I thought you were the best and I take back my recommendation score to a friend, it is now 1. If I paid back $10,000 then I can pay back $6000

2 years ago Edited December 5, 2022

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Dec. 6th, 2022

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Jerry Brown Charlotte, NC

You certainly deserve a score lower than 1. There was no zero, that's why I had to select 1. You have very very deceptive advertising about approval odds of a loan. 2. Your rejection letter contains absolutely incorrect information.

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Nov. 30th, 2022

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Michael Crain Ashland, OH

I have tried logging in to my account several times. After entering the only email address that I have had for twenty years, the system tells me it doesn't recognize my email and to use the one I used on my application. I have no other email.

2 years ago

Reply from Best Egg

We're sorry to hear that you are having trouble logging in! Please call us at 855-282-6353 and we'd be happy to assist you with accessing your account.

Nov. 30th, 2022

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Bre Smillin Minneapolis, MN

Receive at least one invitation and advertisement for pre-approval every single day via mail for at least a year-yet when I applied, I was declined? Save yourself the money sending hundreds of mailers to people you won’t offer credit to, rotten egg!

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Nov. 28th, 2022

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STEVEN MCELHANEY Ambridge, PA

all the phone numbers you gave me are useless land lines.when the verification code is sent to my email ,I can't get back to the application. Your application wants an email address that it won't accept . There only is one email.

2 years ago

Reply from Best Egg

We're sorry to hear that you are having trouble. For further assistance, please give us a call at 855-282-6353.

Nov. 23rd, 2022

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Nina Arulefela Washington, DC

Accidentally did 2 applications for debt consolidation with your company and still waiting for the ticket submitted 3 days ago to be addressed. Called several times to check on the status of when funding to my account will occur and no one has the answer.

2 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. If you'd like to discuss your concerns, feel free to give us a call at 855-282-6353.

Jun. 10th, 2022

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Laredo Cañon City, CO

I did not like that the origination fee was not focused on while I was doing my application. I have paid over 700 dollars on this fee. Borrower beware. I am a Veteran with over 24 years of active duty. I was going to leave an outstanding review for this company but they really disappointed that they would take advantage of a disabled VET.

3 years ago

Reply from Best Egg

We're sorry to hear that you are dissatisfied. Please be assured that it is outlined in a customer's Truth In Lending Disclosure statement that they are presented before accepting a loan, that one may be charged an Origination Fee. If you have any questions or concerns, please feel free to give us a call at 855-282-6353.

Sep. 30th, 2021