Best Egg
9.9
Overall Score
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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
2 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.
2 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
2 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.
2 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
2 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.
3 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.
3 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.
3 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
3 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! ;)
3 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.
3 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!
3 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
3 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!
3 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.
3 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.
3 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.
3 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.
3 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.
4 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
4 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!!
4 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.
5 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.
5 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.
5 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
Debbie B Hensley, AR
I had a loan with Prosper at a low interest rate 6.38 for 3 years. Needed to institute another loan and reached out to them since I have done business for with them for 3 years. Mind you, automatic monthly draft, never late on a payment, and credit score higher than originally 3 years ago. They came back with double and 1/4 more than my original loan I had with them and what Best Egg offered!!!! I was shocked. I went with Best Egg and got a much lower interest rate and the process was quick and easy, a response within a day once I provided the documents requested. I am looking forward to doing business with them and you actually can get someone on the phone that can give you answers and help when I had to call them.
5 years ago
Reply from Best Egg
We're so pleased to hear you had such a great experience, Debbie!
Sep. 16th, 2019
Sean Palmese San Marcos, CA
The promptness and clarity of everything was addressed over 1 phone call I made almost two weeks after I applied for the loan. I didn't finish the initial loan application right away, because I had to wait for my entire pay stub to process through my new employer. I was told of the additional documents I would need to submit during the document submission process, and my loan was funded the very next day after online submission. I applied for the $10,000 loan and only ended up receiving $8600. BUT, this was explained to me before the loan was actually fulfilled over that one phone call that I made before I submitted the final documents. All is well, and I definitely would recommend and use them again. The promptness of payment was absolute along with the clarity the agent showed me over the one phone call I had with the company. Five stars definitely.
5 years ago
Reply from Best Egg
Thank you for your glowing recommendation!
Jul. 25th, 2019
Roxy's Mom Concord, CA
I found the application process extremely easy and I got a good interest rate, though I was hoping for something a bit lower based on the push advertising I'd been receiving. Still a good deal and extremely lower rate than credit cards. I got the money quite fast and my monthly payment is very manageable. This is my second loan with BestEgg and I've been satisfied with the service. BestEgg also received good ratings from an industry journalist, which helped me trust in their service. I can't remember the journalist, but it was a list of reputable lenders from an impartial party. I appreciated that information. My only con is that I can't make extra payments that are less than my monthly payment. Those have to be equal to or more than the monthly payment. But that's not too bad. Overall, I'm happy with my experience.
5 years ago
Reply from Best Egg
We're thrilled to hear you're happy so far! Thank you for taking the time to share your experience! If you have any questions please feel free to give us a call at 855-282-6353.
Apr. 23rd, 2019
Sheila Cosentino Brighton, MI
I can't say enough good things about this company. The process to fill out the application was effortless. The approval was in seconds. I received great email communication about the status. I filled out my application on Friday and the money was in my bank account on Tuesday, first thing in the morning. Talk about painless!! I think Best Egg does a great job at giving you options for repayment and the terms. They make everything clear up front. No surprises!! Even after the funds were in my bank account, Best Egg did what they said and provided me with a clear email about when the payment would come out of my account. ..etc. Amazing! I will NEVER work with anyone else!
Thank you for a great experience!
5 years ago
Reply from Best Egg
Wow! Thank you for taking the time to share your experience. We're thrilled to hear we've earned your loyalty.
Apr. 23rd, 2019
M. Moore Centerville, TX
Best Egg offered me a great loan at a great rate and the application process was easy. Also; the funds were deposited very fast into my personal account for use. I also contacted customer support during my application process and the call was answered quickly and the service was exceptional. I felt really good after talking to the rep and she resolved all my concerns with the loan before I actually accepted it. The whole process was very easy and I highly recommend Best Egg for personal loans. I have received many loan offers in the mail before and I kept going back to this one and chose this one.
5 years ago
Reply from Best Egg
Wow. This is awesome to hear. Thank you so much for sharing your experience. We're thrilled to hear you're on board!
Apr. 12th, 2019
Lori E Chesterton, IN
Debt happens (to everyone) for various reasons; a couple of mistakes and/or medical bills can damage your credit. I'm an honest, hardworking person and tried to improve my financial situation (w/ debt consolidation), but was denied by several creditors. How was I suppose to pay my debt and regain a high credit score if no one would give me a chance? The answer turned out to be BEST EGG! They gave me a chance. They approved a loan with a process that is literally quick and easy. And I stress quick and easy. A few questions online, various options to best suit my life, an approval within seconds and money in my account the next day. Excellent rates and re-payment options. I am on my way to financial freedom; thank you Best Egg! I will be your best marketing.
5 years ago
Reply from Best Egg
Wow, that's awesome! Thanks so much for your review, Lori.
Mar. 28th, 2019
Lorenzo D Renteria Albuquerque, NM
Best Egg is the best choice above other lenders. This my second loan with Best Egg. The loan application process is streamlined and easy to understand. You pick the amount you want and can qualify for and provide easy concise information and documents. The review and approval process is quick and before you know it the funds are in your bank account. Customer service is great. Could not be easier. I also applied through Discover for comparison and was approved however they dictated what I could pay or not pay with the loan proceeds which I was not happy with. I stayed with Best Egg, the best choice ever.
5 years ago
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thank you for choosing Best Egg.
Mar. 27th, 2019
New Customer Cassville, NJ
Simple loan request process that was easy to understand. The flexibility to adjust the loan amount before moving forward is important. I would have liked to be able to change the initial amount requested because the flexibility was limited. I found the the rates to be better than the usual personal loan competitors. Although there is an origination fee, the total cost of the loan was better than those others with no fees. Liked the fact the loan was offered by a local bank and not “funded”. As a result the money was quickly put into my checking account within only a couple days. Very satisfied overall.
5 years ago
Reply from Best Egg
Thanks for sharing your feedback with us!
Mar. 27th, 2019
Esmeralda Apel Martin, OH
My experience with BestEgg was the BEST!! The experience with my phone created the issues! Haha! I had to return my call and both Gabriel and Olivia were absolutely fantastic. Olivia’s experience and expertise was so helpful as she offered many suggestions to get through my glitches. She walked me through everything and saw me through to the end. Much deserving of more than five stars!!! Thank you, BestEgg for blessing me with the loan I was seeking and the offer I received by mail. I’m trusting the funds to be delivered with the same efficiency as my application. God bless! Esmeralda Apel
5 years ago
Reply from Best Egg
We’re so pleased to hear you had such a great experience with our agents! We have shared your feedback with our agent and management. Thanks so much for sharing, Esmeralda.
Mar. 15th, 2019
MoniM Aurora, IL
I have been struggling with the idea of whether committing to a personal loan to get my debt in order was something I wanted to go through. I am a first generation immigrant and I have been raised to be careful with finances and use credit cards for only emergency situations, so they can be paid off immediately or within a year's time at the most. Unfortunately life almost always does not turn out to be aligned with your expectations, so my family had to rely on the credit cards when we hit a snag. In order to ensure the student loans (yes those horrible things) did not default, we chose to pay those and use the credit cards for daily living expenses. My husband and I have been trying to catch up for a few years now but it's really hard to eliminate debt when every dime you make is accounted for, the salaries stays the same, yet the student loan rates increase and so do your payments and life happens.
Yesterday, yes 24 hours ago I decided to take a leap of faith on this offer from Best Egg, and yes, 24 hours later, I have been approved with a fixed pretty low Interest Rate (50% less than our 22-24% one on the credit cards), for a 5 year term. We chose the 5 yr term because we are 100% sure we can make that monthly payment. In a free financial seminar I attended a while back I learned how to calculate how much more I need to add to my monthly payment so that it goes towards the principal, and it's almost always less than the monthly pmt amount if we would have went with the shorter term limit. With that being said in the next 48 hours the $ will be in our account and we will be paying off our credit cards and be one step closer to debt elimination. Tip: Remove your credit cards from your monthly account subscriptions or whatnot before paying them off. This way you are not tempted to indulge on re-accumulating debt.
Thank you Best Egg for giving us an opportunity to move forward an in efficient and responsible way. I really appreciate it you did not try to lure us to larger amounts of loans than we actually needed (which is what many other lenders have tried to do in the past). The transparency and follow-up on your customer service side was also superb.
5 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Mar. 7th, 2019
afrederick Saint John, ND
When I first received this offer through nerd wallet I thought there is no way this could be this easy but it was. I am very busy and that is one of the reasons why I had multiple accounts and I was wasting money on not even looking at my bills, just paying them each month. Applying with nest egg helped me look critically at my financial situation and gain control. I have done this and now I feel better and that if I stick with the plan I will be debt free in 3 years and could look at some different job options and maybe even move to a warmer state. The process was completed online, no need to talk with anyone in person. Fill out the forms, upload documents that were requested and it was done. I was able to get a decent interest rate for a non-secured loan which was on average 19 percent lower than what I was paying on credit cards and other bills. The only person who can screw this up in the future is myself.
5 years ago
Reply from Best Egg
We're glad to be able to help! Thanks for taking the time to share your experience with us.
Mar. 5th, 2019
Mark F. North Attleboro, MA
I received a promotional mailing from Best Egg. I had a couple of credit cards with high interest rates and significant balances. Even though I was making more than the minimum payment plus paying the amount of interest charges monthly, the balances were not moving downward very fast. With Best Egg, I explored what my rate would be and was pleased to find it would be 1/3 of the percentage I was paying. I selected the 3 year option. Even with this option, the payment was much less than I was making on the combined cards each month. Since this was true, I was happy to see that I could make additional payments and there was not a prepayment penalty. The online application process was quick. Best Egg's responses and status updates were informational. I did use the Chat option for one question and it was very helpful. I submitted my application on a Thursday afternoon, my funds were deposited by Monday morning. I am very satisfied with the process and happy to make good on my goal to pay off my credit card debt.
5 years ago
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thanks for sharing!
Feb. 28th, 2019
Tim W. Chicago, IL
Very satisfied! I read some negative reviews on BBB at first and questioned if I should actually attempt to use the service. After a 5 minute approval process, I received a $45K personal loan for home improvement with almost no effort. The process was almost too easy....especially compared to using a conventional bank. Most banks who called me back couldn’t get close to the rate I received from Best Egg. I have nothing but good things to say about the process. I received the money in my checking account in roughly 36 hours and didn’t have to jump through any of the hoops people talked about in the negative reviews. The payment plan and fee (yes, there is an origination fee), are clearly explained and you know what you’re getting up front before you commit. Will use again if needed!
5 years ago
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thanks for sharing, Tim!
Feb. 5th, 2019
David Tustin, CA
Great experience. I have taken personal loans from another lender twice, and both times I needed to take the loan despite the ridiculous interest rates and terms (135% plus huge fees). Dealing with Best Egg was much, much better. A reasonable rate (14.9%, comparable to a decent credit card). The process was quick. With the other lender, I had to spend a bunch of time on the phone as well as numerous emails involving income verification (I work for a start-up, and so the phone number of our HR department is a mobile phone, which was a huge problem for the previous lender). With Best Egg, I had the loan approved in a few minutes without any hassle, and the money appeared two days later.
5 years ago
Reply from Best Egg
We're thrilled to know that your experience with Best Egg was a positive one! Thanks for sharing, David.
Jan. 30th, 2019
Eric South San Francisco, CA
I am very satisfied with my Best Egg experience. The application process was simple and quick, very little documentation necessary to secure a competitive loan, and no harassment from agents looking to score a commission. I did not run into any hidden fees, and having secured loans through banks and online through other lenders in the past, I would say that this experience was the best out of all of them. The rate I was offered was better than other lenders and the origination fee was less than other lenders as well, so it was a no-brainer for me to go with Best Egg. The only criticism I have is that, while there is no prepayment penalty, the amount that I am able to prepay must equal or exceed my minimum/monthly payment amount. I would have liked to have been able to chip away at my principal balance with my bi-weekly paychecks to save on interest, but I will just have to save up incrementally until I have an amount equal to my monthly payment in order to prepay. Despite this minor inconvenience, I feel that my overall experience with Best Egg warrants a 5-star rating.
5 years ago
Reply from Best Egg
Thanks so much for sharing your feedback with us, Eric!
Jan. 24th, 2019
Kendra Roberts Menifee, CA
I noticed that my credit score was not as high as I had hoped due to some debt that I carried. My financial advisor suggested that I obtain a personal loan and use that loan to pay off a few credit cards in order to raise my credit score. She recommended Best Egg because she had customers who previously worked with Best Egg and were highly satisfied. To make a long story short, I obtained a personal loan through Best Egg and paid off some of my creditors, and within two weeks, my credit score rose by approximately 50 points!!! Best Egg is highly organized, extremely trustworthy, user friendly, and doesn't give you the 'run around'!!! They absolutely made my lending experience a breeze, and I can't thank them enough for their help!
K. Roberts
5 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Jan. 16th, 2019
Nikki Gilbert, AZ
The process for getting a personal loan from Best Egg is very simple and fully automated. The application process is easy to follow and the income verification process was minimal and easy. Everything can be uploaded. Turn time was fast, beginning to end was 4 days. My first payment was wasn’t going to work for me so I called (on a Saturday) and I was able to change as soon as the first payment was made. I rated Best Egg 5 stars but I wasn’t 100% satisfied with my loan amount. I had 2 other offers for the loan amount I wanted but Best Egg had a lower rate. When I called to ask for a reconsideration the rep nicely said no. It seems like in this day and age there should be a 2nd level look but the rate and service compensated.
5 years ago
Reply from Best Egg
Thanks for taking the time to share your experience with us!
Jan. 16th, 2019
Leo Oklahoma City, OK
I owed several thousand dollars on a high-interest credit card, that was becoming more and more difficult to pay. The interest alone each month was getting was getting out of hand. Fortunately, I received a letter in the mail from bestegg (who I never heard of), and instead of just throwing it in the garbage, I opened it.
Bestegg offered me a lifeline to get my debt consolidated, and allowed my family a known, affordable monthly payment so that we can plan our budget accordingly, and not be paying off the credit card company for the next 20 years.
And they did it quickly!
Within two days, I had the money in my bank account, so within 3 days, those credit card companies lost a cash cow.
I am grateful to know exactly what I owe each month, and the interest rates were very competitive.
Highly recommended!
5 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Dec. 31st, 2018
John Clarksburg, NJ
I get a lot of marketing emails saying I’m “pre-approved” ranging from car loans to credit cards and personal loans. However, there are only a handful of them are actually more true to their words than most and Best Egg is one of them. The whole process was quite effortless and moved fast. I was funded within 24 business hours of being approved. The entire process took less than 2 business days. The Loan Officer I spoke with felt like he was actually interested in getting me a loan instead of simply saying “no, sorry” or making a ridiculous counteroffer that doesn’t help the consumer. Best Egg definitely helped me consolidate my debt to one easy low monthly payment and overall lower interest rate saving me thousands in the long-run. I will absolutely look to Best Egg first in the future because of this initial experience!
5 years ago
Reply from Best Egg
That's all great to hear! Thank you for sharing, John.
Jan. 2nd, 2019
Nicolas Giron Las Cruces, NM
I was very Skeptic at first with the name and how the process was claimed to be so easy but especially from being denied a loan by eleven different lenders and local finance companies but I gave Best Egg a chance due to my financial situation and 2 minutes later i was approved. I was surprised that it was so simple never in my life have I received a personal loan with so little effort on my end and receiving exactly what I wanted with such ease and never leaving my home. Best Egg over all is the fastest and easiest way of receiving a loan that I have ever encountered with everything explained in detail and promised. The best part of the process was being able to upload simple on hand documents and the next thing you know i was funded with out having to explain and hand over all my life info.
6 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Dec. 7th, 2018
Rachel A Woodstock, GA
Pleasantly surprised! The application process was straightforward and easy. I didn't have to provide excessive documentation such as with other loans. I was approved fast and had the funds in my bank in less than 2 days! I was skeptical at first, but after reading other positive reviews I decided to go ahead. I borrowed a small amount to pay off a high-interest credit card. My monthly payments to Best Egg are low and come out of my bank automatically. The best part is I'll have the loan paid off in less than 3 years which can't be said for credit card payments!
I will definitely borrow again if need be. Best Egg is a simple, stable and smart way to pay off debt!
6 years ago
Reply from Best Egg
We’re thrilled to hear that you're a happy camper! Thanks for sharing!
Nov. 30th, 2018
Brigitte Jorgeson Charlotte, NC
The loan process was effortless. Questions on application are so clear. Took less than 48 hours for funds to reach my bank. The easiest loan I have ever received. I feel much better about my debt consolidation and the repayment plan fits my budget so well. There is no prepayment penalty and with ONE monthly payment instead of six my cards are all paid off and I can now make extra payments to Best Egg and still be under the amount I was shelling out each month. Staff are most friendly as well. I will definitely do business with Best Egg again should the occasion arise. Interest rate is sooooo much less than any of the credit cards. Do yourself a favor and contact Best Egg for piece of mind.
6 years ago
Reply from Best Egg
We're thrilled to hear that, Brigitte! Thanks for your recommendation!
Nov. 13th, 2018
Olivia Van Nuys, CA
I was extremely timid about applying for a loan - researched everything, went on reddit, did the Lending Tree comparison, etc etc etc. I tend to overly worry about finances, so I was really careful about this process. But after all that, Best Egg really came through and totally solved my issue. I had several credit cards that I was paying high interest on, and Best Egg gave me the exact amount I wanted and a good rate. I had a 746 credit score and they gave me $35k at 10.99% over 3 years, which is amazing (FYI I make $85k/year). So if you have a good income and good score, Best Egg is where it's at. It took literally 3 days to get the deposit in my checking account. It's easy to get overwhelmed by the loan shopping process, but Best Egg made it simple and reassuring.
6 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Nov. 13th, 2018
Loretta Jurek Barnum, MN
I was losing hope that I would never be out of credit card debt. I have contacted one other company about this and they wanted me to not pay my cards for a month or so. They would then talk the card companies down to a lower amount and maybe even no interest. I just couldn’t do it-I made the bad choices of using my card and I needed to be responsible plus then there goes your credit ratings.
With Best Egg all my totals were taken into account and a plan was made. I could pick a 3 or 5 year plan. I have so much relief right now that I will be able to make ends meet. I am so glad I filled out the paperwork.
I don’t think I would have filled out this paperwork it hadn’t come in the mail.
Once approved my money was in my account within 2 days. Amazing!!
6 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Oct. 30th, 2018
Carol Stollings Fairborn, OH
First I am so happy I applied at BestEgg.
I will say the whole process was incredibly easy.I spoke to Crystal who helped me with some documents i needed.I have to say i have never never had such a experience that i received having Crystal she was the most patient person she was so calming when I had trouble with my computer to print a document.Don't you worry I am here for you and I won't leave you.Take all the time you need okay.its was such a awesome exper it experience who says that apply for a loan. Crystal was on the phone I know for over 45 minutes maybe longer.She was incredible and thanks to her for not telling me call back when you have everything needed she didn't I am here till the end.Thanks Crystal
6 years ago
Reply from Best Egg
This review is totally amazing! Thanks for taking the time to share it with us!
Oct. 26th, 2018
Satisfied Customer Charlotte, NC
I had not previously considered a debt consolidation loan prior to receiving the unsolicited information from Best Egg via the USPS. After researching the company and making a comparison to other institutions providing similar products, I decided to review the offer I received by visiting your web site.
The offer was better than I anticipated and the payment options provided fit my needs. I found the application process simple and straight forward and also appreciated the seamless method you provided for sending you the required confidential documents. I received one follow-up call from one of your professional and knowledgeable associates, asking a few questions and requesting additional documentation. That was it. I applied over the weekend and the requested funds were in my account the following Wednesday. Great Job!!
6 years ago
Reply from Best Egg
We're thrilled to know that your experience with Best Egg was a positive one! Thanks for sharing.
Oct. 23rd, 2018
