Best Egg
9.6
Overall Score
Jerome Tivis
“My FICO.com” is where I found “BEST EGG”
It was an easy process. I was preapproved, and the application process was no hassle. All the numbers say that I'd save money getting rid of high Interest card debt.
MY LOAN FUNDED ~ the next day. It was so fast and unexpected, that I immediately paid off my cards before I knew where the money came from. To God goes the Glory! Thank you “BEST EGG.”
9 months ago Edited September 26, 2025
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thanks for sharing!
Oct. 3rd, 2025
Tommie Cornwell
Very easy process, great rates! I’ve used them a few times once the loan is approved they transfer the funds to your account and then I set up automatic payments so I don’t have to worry about anything else! Tell them how much you need fill out some forms about your personal information select your own loan terms if you want to pay more monthly for 36 months you pay less interest or you can do 48 or 60 months with less monthly payments
10 months ago
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thanks for sharing!
Sep. 18th, 2025
VICTORIA ARANDA
This is the second loan that I have had with Best Egg. In each instance, the service was spectacular. Very quick, easy, efficient and professional. The agent with whom I interacted today, Giovanni, was friendly, professional and acted with great efficiency. He helped me understand clearly the process, which was quick and simple. A very smooth process which took perhaps 20 minutes. I've always dealt with Best Egg and have recommend it to friends and family in need of financial support.
11 months ago
Reply from Best Egg
We're so glad that we could help! Thanks for sharing your feedback with us!
Aug. 1st, 2025
Review Source
KIRA Rose
EASY!! I was able to take out two loans (8 months a part) to handle my business. The process was quick and EASY. My credit scores increased and then somehow I unfortunately lost a lot of points on my credit score (subjective for each person). I went from having GOOD credit to POOR credit but BEST EGG looked out for me and I am very thankful and pleased. I paid on time with my first loan with Best Egg by setting up autopay and I know that helped me get approved for my 2nd loan. I highly recommend, they understand people’s struggles and won’t disappoint. I will be able to get my scores back up and go back to school. Happy customer!!
1 year ago Edited November 8, 2025
Reply from Best Egg
Thanks for sharing your feedback with us!
Apr. 25th, 2025
Yonas Demeiyesus
**"Best Egg is an outstanding financial services provider that offers fast and reliable funding solutions. I reached out to them recently, and they processed my loan in under 30 minutes—truly impressive efficiency! Their seamless service eliminated my stress about meeting this year’s tax deadline, and I’m incredibly grateful for their support.
I plan to repay my loan ahead of schedule with the same level of diligence and responsibility they’ve shown. I highly recommend Best Egg to friends, colleagues, and anyone in need of quick financial assistance. I’ll definitely be sharing my positive experience across my network!"**
1 year ago
Reply from Best Egg
Thank you for your glowing recommendation!
Apr. 11th, 2025
BeardedDragon420
Been working on my credit for 4 years since Covid. I haven't missed a payment since I got back on my feet in 2021. Yeah Covid sucked and especially for me since I lost half my income but things are looking good now! Best Egg is giving me the opportunity to help get me back on track and heading to the 800's. Currently 665 score and got approved for $4k. I am going to pay off some credit cards that are at 29.99% interest with my new loan from Best Egg at 21.99% interest. Also will raise my score considerably since I will be at a very low utilization rate. I'm a loyalty kind of guy. They show me this grace now, then I return the favor by maintaining a business relationship in the future.
1 year ago
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thanks for sharing!
Jan. 10th, 2025
Review Source
Brian Walcott
I submitted my information late in the day on Wednesday after 1700. I received a call almost immediately a few seconds later I received several offers in email. I spoke with the representative while I accepted the offer. It was immediately approved and The money was deposited in my account before noon the next day. At 9 AM I had some concerns. I may have entered my wrong account number when I was filling out the information. I was able to call and speak with someone immediately and they immediately was able to confirm that they had the correct information. My loan rate was lower than I expected and they offered me more than I needed. Of course, I only took what I needed not that I had to Share that part.
2 years ago
Reply from Best Egg
We're so glad that we could help! Thanks for sharing your feedback with us!
Jul. 17th, 2024
Review Source
David Parton Medellín, ANT
I am a new Customer of BestEgg. I received an email online and rarely read them. I did read the email from BestEgg and applied for a persoanl loan. The application was easy to understand and complete. Uploading the documents was easy to do. I was immediately informed that my loan application was pending. After a couple of days I called BestEgg directly and spoke with Jarel. He was pleasant, professional and very knowledgeable. He talked me through my final step and confirmed that I had completed it correctly and he had received and reviewed my final document. He then explained what I should expect going forward and it happened exactly as he explained it. I am extremely pleased that I took the time to read the email and apply for this loan. I think there are many companies communicating via email and many of them are not being completely honest. It was nice to see that BestEgg is not one of those companies. Their offer was legitimate and fair. It has been a complete pleasure thus far.
2 years ago
Reply from Best Egg
We're so glad that we could help! Thanks for sharing your feedback with us!
Mar. 4th, 2024
Sheila Like Indianapolis, IN
This process of getting a loan with Best Egg has been one of the best financial tasks I have ever done. It was easy to apply and the amount and time of payment was awesome. I am blown away. It has been a God send for me. I can pay the loan back. But coming up with so much money for oral surgery at once was impossible for me living pay check to pay check. I also have to pay extra for dental insurance that covers a little of the cost. I cant say enough good things about this company! I hope someone who is in the same situation from me will read this review and know that there is help out there for them. Thank You.
2 years ago
Reply from Best Egg
We're so glad that we could help! Thanks for sharing your feedback with us!
Jan. 10th, 2024
Review Source
Chloe Giron Marietta, GA
I know I’m only 23, but I have always spent my adult life taking my credit score seriously. Im the type of person that tries to never touch their credit cards unless absolutely necessary, but I hit a rough season this past July/August that left me in a tough financial position. Using my credit cards became a means of survival. Becoming frustrated with myself after accumulating thousands of dollars worth of credit card balances, BestEgg provided me with a fresh start. With my credit score having dropped down to the 690’s i decided to go ahead and apply for a $7k personal loan. It was a risk that I’m glad I took. I was approved almost instantly and the fund were in my account the very next day. I was able to pay off all my credit card balances and still have money left over. Now all of those bills are in one place for just a small monthly payment. I cannot even tell you how much of a weight this was off of my shoulders. It’s also very comforting to know that I can pay off the loan early without any penalties. Would highly recommend BestEgg!!
2 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Dec. 5th, 2023
Review Source
Matt H Jasper, GA
We needed some extra cash to get us through in the month before our wedding as we had expenses come in from our children's school activities and that we had to pay to our lawyer, and we were stressing out.
I went to my bank, a national company that's been around forever, and who I've banked with since I've been 18 years old. I applied over the phone and was told I'd hear back in 4 days. On the 5th day, after not hearing back, I called them and they told me I'd been denied a loan and that they'd mail me a letter. Gee, thanks for the no call and thanks for showing zero loyalty for decades of business.
Granted, we've put our wedding on credit cards, so my score was in the 620s, but I make nearly $200k per year and I pay every single bill I have one time (we live in a very high cost of living area, I let my soon-to-be wife work part-time so she can be home for the kids, and I'm paying down a mountain of student loan debt, if you're wondering why my income goes). So, I wasn't completely surprised, but I was disappointed by my bank's service.
I use a credit monitoring service and through it, I was pre-approved for a loan from Best Egg, who I'd never heard of. I did my research on them, saw the good reviews, and decided to give it a show.
WOW. This was so easy and so pleasant. Simple application took minutes, and though I couldn't connect my payroll for verification electronically, most people probably will and get a very quick decision. Since I had that issue, I used the Live Chat feature and a wonderful woman named Denise took over for me; she guided me on how to upload my documents, stayed on the chat with me while I did so, reviewed them in real-time, and got me an approval! I had the money in my account in 48 hours.
I cannot tell you how thrilled I was with Best Egg's experience and Denise's help. The amount of stress that they took off of our shoulders cannot be overstated; we'll now be able to enjoy our wedding and even do some of the little things we had to cut, knowing we'll be able to pay them back right after the wedding. And, I was able to pay down a high interest credit card, saving me interest and helping my credit score.
Yes, the interest rate was higher than I'd like and there was an origination fee, but I was willing to take those on and would do it again in a heartbeat in this scenario.
Cannot thank Denise & Best Egg enough!
2 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Oct. 11th, 2023
Review Source
Cynthia Skipper Holly Ridge, NC
Best Egg actually contacted me because I had applied for a loan previously and was turned down. I was able to pay down some of my debt, Best Egg took notice and sent me an email to re-appy. I wanted desperately to pay off my remaining debt, with the high interest charges I was facing, that was going to be impossable. I re-applied with Best Egg, my finacial picture was not ideal. I believe they looked at my situation and though I was just under the quifications needed, they approved my loan. Folks this is a personal loan, not some negotiated deal to bargin with your credit card companies to write off some debt (which has tax liabilities) and you paay the rest. I think the people at Best Egg went over and above for me. Thier staff is knowledgeable and professional, and never once failed to respond to a question. I recommed this on line lending firm for anyone seeking a loan.
3 years ago Edited January 10, 2024
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
May. 26th, 2023
Verified Customer
Review Source
Jeri Queens, NY
Incredibly easy to apply, and a clear outline once approved. I had another loan that was TRIPLE the Best Egg interest rate that I was offered, so I accepted this loan and paid that off and a few other things. I saved so much money in the end. Their website is very easy to use and I love that you have options! You have the option for auto pay or not (without it changing your monthly cost!) You have the option to change your due date if needed and you have options to skip a payment if needed! If I ever need another loan I won’t hesitate to use Best Egg! (Their customer service is also awesome) ** I got ZERO for writing this review. I just want others to know there are great loan options out there that you won’t be paying forever with good interest rates**
3 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Apr. 28th, 2023
Review Source
Cortland Schroth Escondido, CA
I had never taken out a personal loan before, so I had been shopping around so to speak. Best Egg offered a variety of different loan options at one of the better interest rates I could find considering my credit(moderate). The application process was extremely easy, upon approval I only needed to provide some standard information, and just like that the loan amount was available to me within 2-3 days. The payment options are perfect for me and I won't be penalized for making early payments which is a huge plus. Compared to other loan companies, Best Egg ended up being a homerun. I would recommend them to anyone considering a personal loan. Mine allowed me to pay my credit cards off, raise my credit score, and get some of the dental work I need done. Big weight off of my shoulders.
3 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Apr. 28th, 2023
David Barnett Warwick, RI
This was the very first time that I've ever applied for a loan through Best Egg, even though many advertisements arrived magically at my place of employment. I was absolutely, completely, and totally satisfied and overjoyed with the help that I directly received from Emma today in her role as my loan specialist. She was extremely helpful in everything that she shared with me, and very patient as she remained on the line with me as I went through the various processing steps; through her excellent help, my techno fears were alleviated, and through her detailed and professional knowledge of all of the pertinent and relevant steps, the processing of all aspects came out perfectly. I do hope that others will read this, not only to be able to recognize Emma's central role here, but also to express my great appreciation for having your United States based customer service. Being able to speak with an American citizen with no foreign accent in such a large transaction with many implications of responsibility on my part is tremendously assuring. I hope that you will always retain your American based excellent customer such as that which I have received from Emma today!
3 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Apr. 18th, 2023
Adam C
I did research on a few sites and have had to take out loans before due to unforeseen events. Recently, I had two very difficult ones back to back, and even my bank of 20 years would not help. At first, I thought that best egg was giving me a horrible APR, but after shopping around and probably destroying my credit after all the polls, I ended up realizing that they were twice as good as anyone else. I really only need this to help me in the next six months and then will be back on track due to other funds coming in and I expect to pay this off early, but I was really worried about how we get through the next couple months without defaulting. This ended up being the best option and I really really can’t think them enough. The service was smooth and the process was easy. Thanks again guys and gals.
3 years ago
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thanks for sharing!
Apr. 4th, 2023
Review Source
Aaron Putnam Dawsonville, GA
So far I've had a 5 star experience, which I really didn't expect. There are fees but I got a loan for consolidating my debt. This means I am going to have to pay some fees. However, in the future, having gotten a delinquency on my credit report removed and all my debts within the gold standard range, my score will sky rocket and future interest rates will be lower and less fees. I will in the long run, make the fees and higher interest I pay for this loan, back several times over. Thank you best egg for taking this risk on me, while at the same time changing my families future. I will not let you down. I have a new found confidence and am over the moon excited about all the benefits to come with this small investment. If you're reading this and are concerned over the fees, look at the bigger picture. Establishing credit or repairing it is pricey. But way more expensive over time if you don't bite the bullet and just fix it. A "excellent" credit score is not free but it is a must. Pay the fees, use the loan wisely and get excited about your future too.
3 years ago
Reply from Best Egg
We're over the moon to hear that Best Egg has been a life-changer for you! Thanks so much for your
review.
review.
Feb. 28th, 2023
Review Source
Daniel Gill Atlanta, GA
This is my third personal loan with Best Egg. They have great rates and their application/approval process is super quick and easy, as well as how fast they deposit your approved loan amount into your bank account Also with my previous loans it was super easy on their website to track your current loan balance and make payments, if you don't opt for the auto pay. Can't say enough good things about this company, I would strongly recommend them to anyone wanting to get a loan to pay off higher apr credit cards, or for any other loan purpose. I am not being paid in any way for this review (I wish I was!! Lol )....just a very satisfied customer.
Dan
3 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Jan. 6th, 2023
Patrick Diego 'Ewa Beach, HI
Obtaining this personal loan was made very seamless with just a minor delay trying to convince the verification department to consider my Veterans Administration Disability Compensation Pension monthly direct deposits shown on my USAA bank transactions as sufficient "Verification" of part of my income which is an Indefinite source of income (for life), because trying to obtain a letter from VA confirming my pension benefit will not be practical in the essence of time or if they get to it it will take forever with all the bureaucracy involved. So I'm glad they were able to deduce to some common sense connecting.. Other than that, every step was made very easy thanks to the professionalism and knowledge of both Julia and Shapeeka and their patience and helpful attitude. So thank-you both Julia and Shapeeka again for you help.
And thank you BESTEGG for your consideration and approval of this much needed and helpful loan - it is Greatly Appreciated!
3 years ago
Reply from Best Egg
We're so glad that we could help! Thanks for sharing your feedback with us!
Dec. 12th, 2022
Lisa Jersey Shore, PA
Very convenient easy & streamlined application process, loan representative reached out right away to provide additional details & answer any questions & there was no request to upload any documentation. Pretty hefty origination fee but much better interest rates then what was being offered from some of the Credit Karma lenders who also had a large origination fee. The rate was a little higher than the local banks but in this day & age some of us are willing to pay a little more for the no hassle convenient online loan options. Also, this is a simple interest loan, not a precomputed interest loan so you can actually apply funds to your principal balance. Very happy & very impressed with this company.
3 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Nov. 21st, 2022
Joe Kim Cupertino, CA
This is my second loan with Best Egg, and let me tell ya; this is by far the best experience I've had with any personal loan company. Time and time again, Best Egg delivers!
The rate is CRAZY competitive. It is an unsecured loan, and yet, the proposed APR is only 1% more than other competitive car loans which is secured with a collateral. This rate, in short, is insanely good.
The other similar competitors providing unsecured loans will charge 10~20% APR. And Best Egg will handedly beat them every time with the most reasonable interest rate out there (over the coarse of the loan, the interest savings alone will add up to thousands of dollars!)
The approval experience is also the best. When it's approved, you get a text message saying it's approved, and BAM!, you see the money in your account.
Don't waste your time with other companies, just go with Best Egg!
3 years ago
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thanks for sharing!
Nov. 17th, 2022
Beehive35 Rancho Santa Fe, CA
I was literally shocked that I was approved in a couple of minutes while the agent walked me through application online. She can tell I was already approved just by looking into my information. Always check which banks are financing your lending company. If you have a good past relationship with the bank… a huge possibility you get approved. Make sure nonlate payments in the past and debt to income ratio… which is weird coz I already owed 20,000 in credit card debts plus an outstanding loan balance with two other companies. I applied to loan to consolidate my credit card debts :0) I used the money to pay off some of my debts that I have a hard time catching up on.
3 years ago
Reply from Best Egg
We're so glad that we could help! Thanks for sharing your feedback with us!
Oct. 17th, 2022
Ronald Miller San Diego, CA
I have been watching personal loans from Credit Karma for 2 months deciding on a home improvement loan. I read every review on each company. Best Egg had the best reviews and most current. So an hour ago,I made the decision to apply.
The application was so quick, within seconds I was approved.
In fact it seemed to easy, so before accepting it I wanted to call and talk to a live person.
I called and was put right though to a agent, I asked my questions and concerns and was happy with the answers, so I decided to go forward.
The representative on the phone said he would stay with me on the line, all I had to do was put in my routing number and bank account number for the funds to be sent and hit agreed.
The rep was telling that is all you need to do, then he yelled in excitement wow you are already approve and set, the money will be in your account within 1-3 days.
Best move I have ever made.
Thank you Best egg
R.Miller
Sept.30, 2022
3 years ago
Reply from Best Egg
This is fantastic to hear!
Oct. 4th, 2022
Gabrielle Furrow Bradenton, FL
I’ve been looking at personal loans for awhile and was shopping around for the best interest rate I could find. When I first checked the interest rates with Best Egg I wasn’t overly thrilled since I was finding better rates elsewhere. However, one day I got a letter in the mail from them like the typical ads you normally get. Well when I opened it up I was given an offer code for a SIGNIFICANTLY lower rate than I’ve ever seen for any personal loan. I thought it was way too good to be true. Best Egg proved me wrong, and not only did they get me the super low interest rate, but they got it to me in about a day. These guys are legit and are saving me a ton of money.
3 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Sep. 9th, 2022
Maria Crase Alpharetta, GA
Craziest thing ever! I entered very minimal information and it took me a few minutes. Within less than 24hrs of applying it was deposited into my Wells Fargo account. CRAZY!!! I didn’t even have to deal with a chat bot or a live human person. Pretty cool! I can now pay off all my credit cards and spare myself all that interest for several cards. Oh and my credit score is less than 650! I do have an excellent payment history and a great credit mix. My credit utilization is what kills me. And maybe my 2015 bankruptcy. Either way I look less than perfect on paper. So glad they took a chance on me! :)
3 years ago
Reply from Best Egg
We're so glad that we could help! Thanks for sharing your feedback with us!
Aug. 15th, 2022
Review Source
DRM Stewartstown, PA
After receiving an invitation from Best Egg, I applied for funds online. Applying online was easy but you will need various forms of information to complete the process. My initial application was denied because Best Egg did not recognize my credit union for direct payment authorization. I did re-apply and accepted an alternative offer that was provided. During this process I called Best Egg by phone, connection with a representative was easy. The representatives answered my questions and were very helpful with the process. I would recommend Best Egg to anyone considering a loan, the best opportunities will be those with a good credit score and solid income.
DRM
4 years ago
Reply from Best Egg
Thanks for sharing your feedback with us!
Jul. 22nd, 2022
Review Source
RD COMBS Puyallup, WA
Initially this was a one star due to a clerical error that showed my income 10 times more then what I make. I would have thought considering I was only taking a $8,000 loan that somebody would have realized there must be a typo. But they have me process all my paperwork wait all weekend and then we're not proof of income compared to what was listed. I was angry. They told me to correct the income on the application and run it again and it would not harm me on my credit. So I did so and they immediately approved me for $2,300 less than what I was asking for but still enough to where I can breathe. Thank you very much for the approval. And not thank you very much for the initial heart sync when I wasn't approved. Great customer service though I will say that
4 years ago
Reply from Best Egg
We're so glad that we could help! Thanks for sharing your feedback with us!
Jun. 29th, 2022
Jared Davis Los Angeles, CA
Best Egg is THE best option out there for anyone who is looking to get a loan and do it quickly. They have outstanding customer service, whether dealing with the chat option or speaking to a live representative. I recently received a loan from Best Egg and was approved the same day and the funds were deposited into my account two days later. How great is that right? Easy process to apply and Best Egg doesn't give you the run around when you need access to large amount of cash fast, especially with the economic climate we are living in. Thank you Best Egg for your partnering with my wife and I when we needed quick access to capital for our business. Glory to our God and Lord Jesus Christ.
4 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Jun. 10th, 2022
Tim Bretz Chicago, IL
I enjoyed having all the numbers laid out in loan scenarios, where I could choose the best loan product for my exact needs! I got to choose from (3)- different funding scenarios, with loan terms ranging from 3-5 years, showing all applicable loan terms, new- APR & fees & finally new monthly payment!
Best Egg made it painless & I was approved in about 15 seconds after my consent & submission of the new terms. The only other thing, that would've made it perfect, would've been to let me choose my preferred payment date of the month, as other lenders let you do! Other than that, I have no reservations whatsoever.
About as painless & worry free as you can get!
T. Bretz
4 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
May. 5th, 2022
Review Source
Native ESO Ettrick, WI
I was expecting more disappointment. What happened instead was joy and happiness. I have been trying to consolidate my debt for ages. I was turned away mostly.
Best Egg gave me a chance, a new beginning, and took a lot of my anxiety away from financial burdens.
I highly recommend Best Egg. Quick, extremely helpful, and quality customer care. After u put in my application I had questions so I entered a chat. I had been notified I'd have to wait a few days for my information to be verified. But the agent in chat answered my questions and proceeded to verify my information on the spot and approve my application. I never asked about verification, so I was quite surprised and pleased. Within a day of my application I received the funds in my account.
Again. I highly recommend Best Egg.
4 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Mar. 16th, 2022
Review Source
Vanessa Bauer Mandeville, LA
I spoke to a young lady the first time with the best customer service skills I have ever experienced somehow we got disconnected when I called back I spoke to a gentleman who re-explained everything to me the nice young lady had already went into full detail with me and then sent me to the accounting department where I spoke to another gentleman who again explained everything that dealt with my loan and this was the smoothest application I've ever done! I had my doubts but I do not anymore! I will recommend you guys to everybody and anybody! Keep up the good work!
Sincerely and with thanks,
Vanessa Bauer
4 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Mar. 3rd, 2022
Amanda Morris Carvajal Dallas, TX
Received an offer in the mail. Just decided to give this offer a try to consolidate credit card debt accumulated after divorce as a single mother. Though I was skeptical, I completed the process and was quickly approved. The process was simple and easy and will relieve the burden of multiple payments as well as lowered total monthly output on debt repayment, putting money back into my pocket to be budgeted otherwise. When I had questions, I spoke to a gentleman in customer service named Jordan who was able to answer my questions and reassured me that my loan had been approved and explained how it would be funded. Funding proceeded as promised. I honestly could not believe how easy this process was and have had a positive experience thus far. There was a loan origination fee, but the APR was actually less than I would have been offered at the credit union where I bank for the same repayment period and funding was faster. At this point, I would definitely recommend Best Egg to anyone in a similar situation as myself in attempt to find more suitable options to debt repayment.
4 years ago Edited November 8, 2021
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Nov. 9th, 2021
Review Source
TheLovelyTAS Navarre, FL
The application process was probably the easiest & fastest I've experienced with any type of loan. It took literally 5 minutes to apply, which I did as I stood naked getting ready to enter the shower. I had my money within 2 business days and was able to retain the lawyer. Communication was a breeze, and I was able to set up my online account quickly and schedule automatic payments using my checking account. The one time I needed to call customer service, there was no waiting and I was helped swiftly. The service was good. I had looked up several loan options and even attempted one, but didn't like the terms or process, and ended up abandoning the one I started elsewhere with a big F you because their service was shitty & sketchy. I found & liked what I saw regarding the Best Egg process, and I needed money fast to cover the balance of a lawyer, and Best Egg came through for me nicely.
4 years ago
Reply from Best Egg
Thanks for sharing your feedback with us!
Oct. 26th, 2021
Review Source
Katharine Hughen
I needed to consolidate some deferred interest credit card purchases that were coming up on their due date, after crunching numbers I determined I would clear the debt and reduce my monthly payments on all lines of credit by over $1000 if I went with the personal loan. The money hit the bank well within the timeline laid out, my payments on the loan are scheduled to auto draft and I’m currently at $0 credit card debt. I’m also hoping that I’ll see a spike in my credit score in the next 2-3 months.
If you’re considering this loan to pay down debt make the payments as soon as the money hits your account and don’t start spending again on those accounts. Now that the original debt is consolidated into a single, scheduled payment I’ll be able to go back to paying off my primary card for monthly expenses and still be paying less than I was before.
The fees and interest for Best Egg were a little higher than other lenders for my credit score, however the prescreening questions were much more targeted and took into consideration my entire household income but didn’t require my husband to co-sign with me.
If you’ve got balances with deferred interest coming due I would recommend this type of loan.
4 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Sep. 30th, 2021
Recent Customer Odessa, TX
I was quickly approved for a previous loan to consolidate all CC debt, with the intention of paying that loan off rapidly. Which I did, in full, in under a month. At the same time, I took another personal loan, to fully payboff the remainder of the revolving debt.
All revolving is now at 0%.
The other lender, charges a considerably higher interest rate, while I have aggressively paid that note as well, your rate is superior.
All of this has prevented me from taking onerous tax hits from dipping into investment accounts.
I think you offer a great service for those who don't have the patience to go through a typical bank process, but have the wherewithal and cash flow to pay rapidly and eliminate the debt as quickly as possible.
Chad
4 years ago
Reply from Best Egg
Thanks for sharing your feedback with us!
Sep. 28th, 2021
KB Portland, OR
Current rating for ease of application, rate, terms, and no prepayment penalty! Needed a way to get on track and manage multiple smaller debts in order to start paying my “gi-normous” student loan debt!
Had some concerns about customer service level reviews but like anything, hopefully one makes an informed decision with a variety of facts at hand.
I was grateful for this type of loan service - less hassles than having to try and carve out time at my bank or credit union. I hope if I ever have to call in that I reach someone who likes their job - hopefully they know they can make all the world of a difference in the day for someone applying for a loan and then helping loan holders manage their loan obligations when questions arise.
Let then games begin! ;)
4 years ago
Reply from Best Egg
We really appreciate your feedback !
Sep. 16th, 2021
Charles Gilley Cumming, GA
Painless process - good rates, low origination fees. I'm happy. My credit score is very high, so your mileage may vary. Chat support is very responsive.
Minor nit: the customer dashboard does not display documents that need to be posted, so my loan was PENDING for 48 hours until I chatted with someone. But, it's a very minor point.
All said, I have what I need for a kitchen renovation in less than 3 days. Compare that to a HELOC that would have taken easily 8 weeks with comparable rates. The only way I could get a lower rate would have been to refi my mortgage and pull cash out. But I'd pay way more in closing costs.
4 years ago
Reply from Best Egg
Thanks for sharing your feedback, we are always looking to improve the process !
Aug. 24th, 2021
Kayla Caldwell San Diego, CA
I work one full time job, one part time job, go to school full time, have never missed or made a late payment, and have always kept my FICO above 715. But when life threw some major curve balls my way and I needed financial assistance, my bank was presenting astronomical rates for debt consolidation loans. For an entire year I waited for my bank's rates to go down while I watched my debt balance go up. I felt defeated.
But then, Best Egg was referred to me on Credit Karma. Their application process was seamless, and my rate, is incredible. It's a payment I can actually afford and that finally gives me hope. This is a pivotal moment for me financially, and I feel like I can finally breathe again. Thank you Best Egg!
4 years ago
Reply from Best Egg
Thank you for taking the time to share you experience and we are happy to help you !
Aug. 24th, 2021
Melva Armitage Vancouver, WA
I have to admit I'm surprised to find out I was approved so fast...this loan will pay off two credit cards that have been hanging over my head for too long. What a relief I
already feel. I bet it took less than 15 minutes to answer a few questions and "bam" I'm reading about the loan agreement and arranging auto pay for repayment of the money I'm about to have deposited into my bank account. Thanks to Best Egg for this opportunity to do business with them.
I've been working on building good credit the last 5 years and it's working. The rewards are worth the effort I've put into this goal of proving I can be trusted to be responsible and repay all debts.
Thanks
Melva A
5 years ago
Reply from Best Egg
The pleasure is all ours :) Thanks for sharing!
Jul. 20th, 2021
JLR Charlotte, NC
Best Egg has been a life saver for me. I was not delinquent on any financial obligations but the very high interest rates were starting to catch up with me. I could see how I would be falling behind in my payments within the next few months if I didn't get some relief. After trying to negotiate with my creditors to honor my excellent payment track record by offering me revised/reduced interest rates on my outstanding balances - and getting no positive responses - I opened the offer letter that had come in the mail a few weeks ago from Best Egg. It was the best financial decision I could have made. It was very easy to apply online and I was approved in minutes. I took the optional offer to have Best Egg directly pay my creditors, saving me even more time and money. After paying off my accounts I still had remaining funds left due to the great offer I had received from Best Egg. They deposited the leftover funds right into my personal bank account and I now have one affordable monthly payment and no more high interest credit card payments. Thank you, Best Egg, for getting me back on track with my financial goals and for making the process so easy and effortless!
5 years ago
Reply from Best Egg
The pleasure is all ours :) Thanks so much for taking the time to share your experience with us!
Jul. 20th, 2021
alexis jimenez New York, NY
I was looking for a loan to consolidate debt ,my credit cards and pay off my remaining balance on my car loan . I was pressed for time and tried another company first which the process with them was very unprofessional, customer service was horrible and after multiple problems I decided to look else where . While filling out my application for best egg I got a call from customer service asking if I needed any help and that’s when I knew this was the company I wanted to work with . The associates i spoke to throughout the time of completing my loan were all very friendly , relatable , and personable. The customer service hours are extended for people who work longer hours like a do . On top of all that I received my money promptly (within one day) , no issues in the application process it went very smooth.
5 years ago
Reply from Best Egg
Thanks so much for sharing your experience with us, Alexis!
Jul. 25th, 2021
Grasshopper Jasper, AR
I was excited to learn that I qualified for a consolidation loan from Best Egg. The application process was simpler than I'd even hoped it would be and I had an answer within minutes. All of the paperwork is done electronically which is perfect for me. I have been working hard these last 2 years to improve my finances and it has paid off by enabling me to qualify with Best Egg. The interest rate is far below any of remaining credit cards that I am paying on and I will be completely debt free with the exception of my home within 3 years. That is the best feeling in the world. Thank you Best Egg for making this process so much simpler. I would recommend this lender to anyone who's looking for a reasonable means to address and improve their financial standing.
5 years ago
Reply from Best Egg
Thanks so much for taking the time to share about your experience!
Mar. 30th, 2021
India Faison New York, NY
Wow!!!!!! I filled out the application on Tuesday night after hours, by Wednesday they verified my document and approved the loan. Thursday they sent the funds to my bank and by Friday morning first thing, the funds were in my account. I've never experienced anything as streamlined, easy and efficient as this. Usually when I apply for a personal loan with a bank, I have to constantly call them for an approval, etc. Everything with Best Egg was straight and to the point. I found them on credit karma stating that they preapproved me for a certain amount and that I had a 90% chance of getting approved. I was skeptical because lots of loans preapprove you for one amount and then when they run your credit, they cut it down to half with interest rates at 35%. This is insane. Best Egg stood by their offer and I even increased their offer by a few thousand and I still was still approved. I appreciate you guys and I love anything that's easy and efficient. I just paid 7 credit cards down to 0 that I've been struggling to pay off for a while now. My boyfriend will be applying next. Thank you so much.
5 years ago
Reply from Best Egg
India, thanks so much for taking the time to share your experience! We are pleased to hear it was a good one!
Mar. 8th, 2021
J Jacks Valrico, FL
The application process has been good, with 3 extremely helpful customer service representatives.
I wish the fees were disclosed earlier in the process so that I was not surprised by the difference between the loan amount requested and the proposed disbursement amount. I ended up calling and have my loan reworked to ensure that the amount received met my needs instead of falling $500 short.
The loan processing was extremely quick (under 24 hours from application to funding) and thankfully I just made the cutoff time to adjust the loan amount upwards & ensure sufficient funds were deposited into my account.
5 years ago
Reply from Best Egg
We are pleased to hear that! Thanks for sharing your feedback with us.
Jan. 29th, 2021
Steve Richmond, VA
BestEgg was super simple and they had better rates than the 4 other online loan services I tried. Each of the others had much higher origination fees and a couple had higher interest rates too. The key to comparing offers is to look at the APR as that includes the interest plus the origination fee. With a couple of the others, they didn't mention the origination fee at all until you were quite far down into the process but the APR was much higher so I knew there must be a large one.
Also, BestEgg gave an easy option as to whether to include the origination fee in the requested loan, or add it to the loan and finance that. No one else did that. The others just subtracted the origination fee from requested loan amount which meant that I didn't have the amount I needed and had to guess what to increase it to in order to cover the origination fee. BestEgg's way was much easier.
They gave me the option to login to my bank to avoid some of the verification steps, but I chose to upload a copy of my last W-2 and my last couple paystubs, all of which I had digital copies of from my employer and they made very easy to upload to the application.
Finally, as part of the rate, I was required to pay a portion of the loan directly to the credit cards I was using this for. They made it very easy to add that information. I really like that as it was one less step for me.
I've had 2 loans with another provider but will be moving to these guys going forward if I need any more loans.
5 years ago
Reply from Best Egg
Thanks so much for sharing your experience! We are pleased to hear you are pleased.
Sep. 25th, 2020
Michael Butler San Diego, CA
I felt buried in financial grave. I was out of work while attempting to pay off some credit card spending. After rolling it over to a 0 pct 18 month credit line I found myself unable to make payments and living off the same cards I recently rolled over, adding to my debt. After regaining employment the payments made didn't amount to much after all the interest charged. Best allowed me to pay the cards, and start to relieve myself of this burden with a monthly payment I can afford, at an interest rate less than I was paying before. It will take some to completely pay it off but it will be faster and less expensive...I do hope I can keep working to continue to pay on time during this COVIF crisis.
Thank you Best Egg
6 years ago
Reply from Best Egg
We are glad we could help! Thanks for sharing and please don't hesitate to reach out going forward!
Mar. 23rd, 2020
Dogmom Charlotte, NC
I've been so pleased with my existing Best Egg loan that I applied for and was approved for a 2nd loan today! The process was so straightforward to apply with the offer code I was provided and I was given a better interest rate than my current accounts. So, taking out this additional loan through Best Egg was a no-brainer for me after I crunched the numbers of my bills and actually saw how much they varied month-to-month. I opted for a loan of a lesser amount than I queried because the monthly payment was the median of what my monthly installments have been. Combine that with Best Egg's no punishment for prepayment and I can practically hear my credit rating take a sigh of relief from the "Rollercoaster of Rebuilding" from my poor financial decisions over a decade ago! Thank you so much!!
6 years ago
Reply from Best Egg
The pleasure is all ours :) We are glad to have you back! Thanks for sharing your experience with us!
Jan. 22nd, 2020
Thomas J Lee Moses Lake, WA
I had many problems arise at once last week when both cars went down at once and I realized afterwards that I had stretched my credit cards a bit to far. I look for someone to get a quick loan from to pay down debt and consolidate it. I put in for the loan last night and this evening I noticed it had been approved. I was very surprised because I could not get the website to up load the required documents (not many just those proving my income). They called my twice while I was out of my house and were very nice to remind me about the documents. I sent them in as soon as I figured out what I had been doing wrong the previous night. I appreciate the quick service and also their patience with me since sometimes I my be slow but I not very fast, like them.
6 years ago
Reply from Best Egg
We are happy we could help! Thanks for sharing your experience!
Nov. 14th, 2019
Anthony Gamble Cullman, AL
This is the 2nd time I have used Best Egg for debt consolidation. In each instance, I saved a significant amount of money each month by dumping the high credit card rates. They give you several loan choices, offer the best rates, and the process couldn't be easier. One thing that I really like is that they only do a soft pull on your credit report. So you login, answer about 5-6 basic questions, and they make you several offers. From start to finish it took about 30 minutes to apply and get approved. I would definitely recommend Best Egg and I would not hesitate using them again. If you need to consolidate you owe it to yourself to check out Best Egg.
6 years ago
Reply from Best Egg
We are glad to have you back! Thanks so much for sharing your experiences with us!
Nov. 14th, 2019
Harrison The Bronx, NY
I am so excited I am literally lost for words. Thank you thank you, thank you. The representative, Felicia was very nice, courteous, patient, well mannered and professional who assisted me during my loan request. I am very pleased with the quick result and this morning I recommended Best Egg to one of my coworker. Immediately, she sent the information to her daughter who is in the process of buying a car and was searching how to apply for a loan. I will spread the words to others but a major thanks as well to my brother who introduced me to Bestegg because he has positive experience applying for loans.
6 years ago
Reply from Best Egg
The pleasure is all ours:) We are so thrilled to hear you had an amazing experience!
Nov. 7th, 2019
