Best Egg

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Best Egg Logo

Best Egg

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Get a personal loan up to $35,000 with a fixed APR from 5.99% to 29.99%

Best Egg is a personal loans lender and has been in operation since 2014. The company has funded over $7 billion in loans since its founding. Most Best Egg personal loans are used to consolidate high-interest debt, like credit card debt, but you can use the loans for a variety of unexpected expenses. Best Egg loans are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC.

Loan amounts generally range from $2,000-$35,000, and funding can be as quick as one business day upon approval and verification. Best Egg offers fixed term plans and origination fees from 0.99-5.99 percent. Offers up to $50,000 may be available for qualified customers who receive offer codes in the mail. The minimum individual annual income needed to qualify for a loan of $50,000 is $130,000. With an exceptional consumer star-rating on BestCompany.com, Best Egg reviews indicate a quality company with exceptional service.

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The Good

  • Great for High-Interest Debt Consolidation
  • Instant Decision Process
  • Clear, Transparent Platform
  • Positive Best Egg Reviews
  • No Prepayment Fees or Penalties
  • Due Date Changes for Eligible Borrowers
  • Nearly Nationwide Coverage
  • Fixed-Term Plans 
  • $50,000 Loans for Qualified Customers
  • Simple Interest Loans
  • No Credit Impact for Checking Rates

Great for High-Interest Debt Consolidation

Best Egg personal loans can be an excellent option for applicants looking to consolidate debt or pay off high-interest credit card debt, primarily due to its low APRs* (5.99 to 29.99 percent) and long max loan lengths (three or five years). Best Egg also gives its borrowers the opportunity to pay off their loan faster than is scheduled without being charged any prepayment penalties. These loan terms provide a manageable payback process that is typically much more effective than other credit alternatives.

Best Egg gives this comparison on its website: if you have two credit cards both with a $10,000 balance and a 28-year minimum payment duration, you will pay $25,589 in interest if credit card one has a 14 percent APR and credit card two has an 18 percent APR. In comparison, if you have a Best Egg loan of $20,000 with a 5.99 percent APR and a three-year minimum payment duration, you will only pay $1,901 in interest. With the same balance and a better APR, Best Egg's loan could save you $23,688.

Instant Decision Process

After the application process is complete, Best Egg provides an instant decision (approved or declined) to the borrower. Because Best Egg is an online lender, the loan application process is quick and easy, making it simple for consumers to receive funds. After submitting any documents to get verified, customers could have their money in their bank or checking account in as little as one business day. Nearly all customers will be funded within three business days after final approval, depending on their banks’ policies.

Clear, Transparent Platform

Best Egg makes repaying loans a simple process. Customers can make loan payments by setting up an automatic electronic funds transfer, paying online, or sending a check through the mail. Payments sent in the mail should be given at least five to seven days to reach Best Egg. Borrowers enrolling in autopay for their monthly payments don’t have to worry about a payment processing fee. Customers can also set up monthly payments at a Western Union office. Keep in mind that there is a fee charged for each transfer.

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

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

Positive Best Egg Reviews

With personal loan companies especially, you want to ensure you go with a trustworthy company that has positive consumer reviews. In the thousands, the majority of Best Egg reviews left on BestCompany.com from real consumers are overwhelmingly positive, highlighting a quick and straight forward loan application and process, satisfactory rates, and excellent customer service. Best Egg complaints are limited. You can read all current Best Egg reviews below. 

No Prepayment Fees or Penalties

Best Egg does not charge any prepayment fees or penalties if you decide to make extra payments or repay the loan quicker than the due date requires. Prepaying on your loan will reduce the amount of interest you pay, so this will only benefit you if you choose to do so. Be sure to regularly communicate with Best Egg once you have your loan, so you always know what your payoff amount is. You can also see your payoff amount at any time through the Best Egg account portal. This will also show you how much you could save in interest fees if you pay off your loan early.   

Due Date Changes for Eligible Borrowers

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

Nearly Nationwide Coverage

Best Egg offers its personal loan services to 47 states. Having nearly nationwide service creates more opportunities for consumers to work with Best Egg. Many personal loan lenders don't offer their loan solutions to this many states, making it difficult for borrowers residing in non-covered states. 

Fixed-Term Plans

Best Egg offers fixed-term plans for its personal loans. This means your personal loan term will never change and if you have a fixed-rate loan, your payments are not subject to change. The amount you pay each month will not fluctuate, and your rates will stay the same throughout the lifespan of your Best Egg loan. This provides peace of mind and stability to borrowers and makes it easier for them to stay on top of payments, as there will be no surprises or unsuspected changes made to their personal loan. Loan terms are also flexible and can range from three to five years. 

$50,000 Loans for Qualified Customers

Best Egg loans typically range from $2,000 to $35,000. However, for eligible customers, Best Egg offers loans up to $50,000. On its website, Best Egg states: "Offers up to $50,000 may be available for qualified customers who receive offer codes in the mail. The minimum individual annual income needed to qualify for a loan of $50,000 is $130,000."

Simple Interest Loans

Best Egg offers simple interest loans rather than compound interest loans. Explained on Best Egg's site, "Simple interest is calculated on the outstanding principal balance only. This means you aren’t paying interest on top of your interest like credit cards." Compound interest loans charge interest on the principal as well as on accumulated interest from past non-payments.

No Credit Impact for Checking Rates

When you check your rates with Best Egg, this will not impact your credit score. Best Egg completes what is called a soft credit inquiry to see if you are eligible and to determine what your rates would be. This makes it easy for potential borrowers to compare rates and decide if Best Egg is right for them without negatively impacting their credit in the process. The soft credit inquiry will only become a hard inquiry if you choose to accept Best Egg's loan offer. This will then, as with any other loan, impact your credit score. 

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The Bad

  • Strict Approval Requirements
  • Origination Fee
  • No Joint Loans Available
  • Time in Business

Strict Approval Requirements

Best Egg has strict approval requirements for its loan offer that can be difficult for subprime applicants to meet. In order to have the best chance of qualifying for Best Egg's lowest rate 5.99 percent APR, applicants should have at least a 700 credit score and an annual individual income of at least $100,000. However, any applicant with a credit score over 640 is eligible to qualify for a loan from Best Egg at a higher rate. It's important to note that many top personal loan companies have a similar credit score requirement.

Origination Fee

Best Egg charges an origination fee between 0.99 percent and 5.99 percent of the total loan amount. The origination fee is the one-time cost for Best Egg processing the loan. Unlike the interest rate, the APR includes both the interest rate and all fees, including the origination fee.

Best Egg states that any five-year loan will have an origination fee of at least 4.99 percent. This fee is deducted from the loan when funds are deposited into your bank account and is considered when calculating the annual interest rate.* Best Egg gives this example on its website: "If you select a loan for $10,000, with an Origination Fee of 4.99%, your Origination Fee is $499 and will be deducted from the full loan amount. The amount deposited in your bank account will be $9,501."

No Joint Loans Available

Best Egg does not currently offer joint loans. Only individual loans are available. However, this is common within the personal loan industry, as most personal loans are needed on an individual basis. Also, when you apply for a Best Egg loan, you have the choice to include your household income rather than just your individual income. Your household income includes your individual income as well as any other earnings within your household. 

Time in Business

Best Egg has only been in business since 2013. Although that isn't as long as some other lenders in the industry, Best Egg has proven itself through consumer reviews and customer satisfaction that it is a top-notch quality lender. Time in business may not prove to be a problem with customers because of this. 

The Bottom Line

Best Egg is the consumer brand of Marlette Funding. It is a great loan service provider that offers borrowers personal loans for a variety of purposes, including consolidation loans, credit card refinancing, and home improvement. These are encompassed in a quick approval process and a transparent platform.

Best Egg is unlike other online lending platforms that have to wait for investors to fund your loan. The company has investors who are ready to say "yes," to qualified applicants, which allows Best Egg to transfer funds electronically to a bank account in as little as one business day.

Best Egg loans are unsecured loans with a fixed monthly payment for the life of the loan. The online loan application process takes a few minutes to complete. Customers don't have to worry about checking rates impacting their credit score. There is also no prepayment penalty fee. However, approval may be difficult for some individuals to receive if you have a credit score below 640. Best Egg is quite selective with whom it will approve and takes into consideration debt-to-income ratio, credit history, income, and more. However, this means if you qualify for a Best Egg loan, competitive rates are available. Read Best Egg personal loan reviews below to see what consumers are saying about the online lender. 

*The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 5.99%-29.99%, which may include an origination fee from 0.99%–5.99% that is deducted from loan proceeds. Any origination fee on a loan term 4-years or longer will be at least 4.99%.  The loan term and the APR offered will depend on your credit score, income, debt payment obligations, loan amount, credit usage history and other factors. Additionally, the APR offered is impacted by your loan term and may be higher than our lowest advertised rate. Requests for the highest loan amount may result in an APR higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest rate. 

Best Egg loans are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Equal Housing Lender. "Best Egg" is a trademark of Marlette Funding, LLC. All uses of "Best Egg" on this site mean and shall refer to "the Best Egg personal loan" and/or "Best Egg on behalf of Cross River Bank, as originator of the Best Egg personal loan," as applicable. Loan amounts generally range from $2,000-$35,000. Offers up to $50,000 may be available for qualified customers who receive offer codes in the mail. The minimum individual annual income needed to qualify for a loan of $50,000 is $130,000. Borrowers may hold no more than two open Best Egg loans at any given time. In order to be eligible for a second Best Egg loan, your existing Best Egg loan must have been open for at least four months. Total existing Best Egg loan balances must not exceed $50,000. All loans in MA must exceed $6,000; in NM, OH must exceed $5,000; in GA must exceed $3,000. Borrowers should refer to their loan agreement for specific terms and conditions. Your verifiable income must support your ability to repay your loan. Upon loan funding, the timing of available funds may vary depending upon your bank's policies.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

Disclaimer

As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. For more information on how we rank companies, click here.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.


User Reviews

Star Rating

4.9
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6,135 Reviews

Review Breakdown

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Angela
June 21st, 2019 Indianola, MS DETAILS
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This my second loan from BestEgg. This is the most convenient loan company I’ve ever done business with. Fast and hassle free with rate and repayment options that make repayment non stressful. I had to contact customer service and it was just as fast. The person that assisted me did an awesome job in helping.,

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Curtis
June 21st, 2019 Richmond Hill, GA DETAILS
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The loan application process is fast and easy. The rates and terms are great. This is a great way to pay-off high interest credit cards.

Best Egg Logo

Reply from Best Egg

Feb 12, 2019

Thanks for sharing your feedback with us, Curtis!

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Laurie Peterson
June 21st, 2019 Olympia, WA DETAILS
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Really appreciate how convenient and efficient your loan application process is via online application methods.

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Gene
June 21st, 2019 McComb, MS DETAILS
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Easy and Fast, I couldn't be happier with the application process!

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J. L.
June 21st, 2019 Harrison, MI DETAILS
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This will be my second loan with Best Egg. It is fast and easy to apply. Funds were deposited within a couple of days. They had to call to clarify some of my data and the rep was very courteous.

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Franny
June 21st, 2019 Ashtabula, OH DETAILS
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I am very elated to have found your company. I have a large holding of residential real estate in Ohio. At times I need quick access to cash for another deal or other purposes. You guys came through with flying colors at a rapid pace to satisfy my unsecured loan. I have the feeling we will do much more business in the future. Thanks for the smooth and easy transaction.

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jan
June 21st, 2019 Bedford, TX

Very easy to process my loan. Thank you!

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Greg
June 21st, 2019 Terryville, CT

Process was simple with no annoying multiple document requests. Customer service was polite and friendly.

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Barbara
June 21st, 2019 Oklahoma City, OK DETAILS
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Process was quick and easy to complete. All fees and options were disclosed.

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Wayne Ackerson
June 21st, 2019 Lawrenceville, GA

Assuming everything is a-ok, this was a super easy process for me with almost instant approval. Based on that, and so far, absolutely recommended.

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Carol Hernandez
June 21st, 2019 Temecula, CA

Very courteous and helpful professionals assisted me in applying for a loan. The process was easy and did not require much time. I had the loan in about ten minutes. Wish I had done this months ago!

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Bea
June 21st, 2019 El Paso, TX

Each question was self explanatory. I could not find my bank however, the chat option was very quick and extremely helpful. Help option was one of the fastest I have experienced. The loan itself seemed like it was expedited. The interest rate was lower than my credit card (recently interest rate was increased) which will also help me in the long run.

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Paul
June 21st, 2019 Humble, TX

fast and easy, great rates, application process was fast and approval instant. I would recommend to anyone trying to consolidate a loan

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Karen Moseley
June 21st, 2019 Clovis, CA

The experience was clear, concise and simple. No complicated software and everything (questions & answers) had a lot of room around it on the screen. You weren't looking at a multitude of things on the screen. One or two questions on a screen, that's all. Brilliant!

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Tina
June 21st, 2019

If I had known the fees would be taken out of the amount asked for instead of added onto I would have asked for more. I was left short.

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KENTRELL CLASH
June 21st, 2019 Marion, AR

My experience with this company great they were very easy to work with and helpful with everything I needed.

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Mike
June 20th, 2019 Alexandria, VA

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

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Phillip Miller
June 18th, 2019 Payson, IL

Easy to work with. On line chat was very good. And just overall very professional.

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George
June 18th, 2019 Cassville, NJ DETAILS
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Easy application process. Step by step processing was good

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Terry
June 18th, 2019 Powderly, KY

It only took 10 minutes to complete the process I was extremely pleased with the application process .

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Daniel
June 18th, 2019 Patchogue, NY

Horrible intrest rate even with great credit

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Robert
June 18th, 2019 Baldwin, NY

I actually talked to someone verbally & phone chatted due to some confusion on my behalf.Both participants were very helpful on each account.

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Tricia
June 18th, 2019 Little Rock, AR

VERY simply application process with quick turnaround.

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ana
June 18th, 2019 Malden, MA

Had some questions about application .Customer service was friendly and very helpful.

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Nikki Malensky
June 18th, 2019 Tuscaloosa, AL

It was going to take 22 years to payoff my credit cards at the rate I was going at. Now it's 5 years. My interest rate has been drastically reduced. So far, so good! I am excited to have a little bit of extra money a month and still have affordable payments.

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HSaab
June 18th, 2019 Chalfont, PA

Loan processing application extremely quick.

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Gregory
June 18th, 2019 Zanesville, OH DETAILS
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Easy, fair, no fuss. This is my second loan with Best Egg and, if needed, I’d do a 3rd.

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Lou
June 18th, 2019 Oklahoma City, OK

Amazingly easy process, and quick response as promised. I would highly recommend Best Egg for your personal financial needs.

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JoAnn OBrien
June 18th, 2019 Eugene, OR

Easy experience seems to work out well for my needs and credit rating.

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Amy
June 18th, 2019 Bordentown, NJ

Very easy and quick loan application process.

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Jim T
June 18th, 2019 Woodbridge, VA DETAILS
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Best Egg is fast easy secure and provides excellent rates.

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Kevin Harris
June 18th, 2019 McPherson, KS

The application process was very easy. The rate I got was higher than I expected though given my credit score and payment history.

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Frederick Mangubat
June 18th, 2019 Portland, OR

Fast, clear, and accurate. Everything is simplified.

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S
June 18th, 2019 Portland, OR DETAILS
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Direct and easy with no hidden fees. Staff is friendly and terms are clear with very fair rates.

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Rose
June 18th, 2019 Streator, IL DETAILS
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A very quick & easy process. Have used Best Egg 3 times and each time it was sa smooth process.

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Jay Williams
June 18th, 2019 Taylors, SC DETAILS
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This was fast ,easy and affordable! I would recommend Best Egg to anyone.

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Gary D Newingham
June 18th, 2019 White Hall, IL

Smooth and easy transaction. Great experience

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Anthony
June 18th, 2019 Upper Marlboro, MD

Extremely easy process , would highly recommend bestegg!

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Jennifer Bartholomew
June 18th, 2019 Norristown, PA

Very easy process! I was actually surprised once I logged to complete after entering details I entered it stated I was done. If I hadn't asked so many questions I feel like the entire process would have taken no more than 20 minutes. The soft pull didn't result in changes with the hard inquiry.

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Jean Byrum
June 18th, 2019 Hemet, CA DETAILS
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This is the second loan i have done with Best Egg. Stress free.

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P. King
June 18th, 2019 Boerne, TX

Well done, very easy to obtain help. Just in the nick of time.

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Alicia
June 18th, 2019 Santa Cruz, CA DETAILS
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If you're considering Best Egg for your loan, you will not be disappointed! Their overall process is straightforward, transparent and delivered with excellent customer service. I also levered their "Click to Chat" service to get my preliminary questions answered prior to engaging their services. Best Egg, you are top notch.

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Javier
June 18th, 2019 Riverside, CA DETAILS
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Best Egg provides fast, easy and professional service! I am very satisfied

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Rich B
June 18th, 2019 Haw River, NC

The on-line loan process was very easy, very fast and efficient! The deposit of the loan was done within a day! It could not have been more simple! I was in the drivers seat the entire time.

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Jimmy
June 18th, 2019 Mandan, ND

Very easy to apply for. I was hoping for a better interest rate, but I intend to pay it off early so I can ,make it work to my advantage

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Jane
June 18th, 2019 Pahoa, HI

Awesome experience! I will highly recommend Best Egg to anyone needing financial help - especially the lower interest rates, and the number of options available! Thank you. Jane

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Barb W
June 17th, 2019 Wheatland, PA DETAILS
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This is my 2nd loan with Best Egg and I have had no trouble getting a loan either time, very simple procedure. Thank you Best Egg for all your help and I would recommend them to anybody.

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Maria Reyes
June 13th, 2019 Santa Monica, CA

Easy no hassle and reasonable rates thanks

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Brittany
June 13th, 2019 Cleveland, OH

I had a great experience with Best Egg. They made everything easy and simple and hassle free.

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Matt Yeatherman
June 13th, 2019 Arlington, TX

Fast approval rating, helped me in a pickle.... thanks Best Egg!!!