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Best Egg

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10,615 User Reviews

9.9

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LAST UPDATED: September 17th, 2021

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

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

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Highlight: Best Egg rates and terms

  • Loan amounts — $2,000–$50,000
  • Time to funding — As quick as 1 business day after approval and verification
  • Origination Fee — 0.99–5.99%
  • Minimum income — $35,000
  • Minimum credit qualification — 600
  • Loan repayment term — 36–60 months
  • Rates (fixed) — 4.99%–35.99% APR*

*An expanded APR range is made possible by Best Egg's partnership with Blue Ridge Bank.

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

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The Good

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

Approval Requirements

Best Egg has lower approval requirements than you might get with other lenders.

To qualify for Best Egg's lowest rate through Blue Ridge Bank, 4.99 percent APR, applicants should have at least a 600 minimum credit score and an annual individual income of at least $35,000.

Many other personal loan lenders have more strict approval requirements that could be challenging to meet, especially for subprime borrowers.

Great for High-Interest Debt Consolidation

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

Best Egg personal loans can be an excellent option for applicants looking to consolidate debt or pay off high-interest credit card debt, primarily due to its low annual percentage rates ( APRs*) ranging from 4.99 to 35.99 percent, and loan terms ranging from three to five years.

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

Instant Decision Process

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

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

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

Clear, Transparent Platform

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

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

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

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

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

No Prepayment Penalty Fee

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

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

Due Date Changes for Eligible Borrowers

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

Fixed-Term Plans

Best Egg offers personal loans with fixed-term plans.

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

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

Simple Interest Loans

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

Secured Loan Option

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

This is a unique option in the personal loan industry, providing a wider range of borrower the opportunity to be approved for a loan with Best Egg.

No Credit Impact for Loan Pre-Qualification

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

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

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

Positive Best Egg Reviews

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

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

Best Egg complaints are limited.

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

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The Bad

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

Loan Origination Fees

Best Egg personal loans have an origination fee between 0.99 and 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 loan with a five-year repayment period will have a loan origination fee of at least 4.99 percent. This fee is deducted from the loan when funds are deposited into your bank account and is considered when calculating the annual interest rate.*

No Joint Loans Available

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

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

Not Available in all States

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

  • Iowa
  • Vermont
  • West Virginia

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

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The Bottom Line

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

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

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

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

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


*Best Egg loans are unsecured or secured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. Best Egg Credit Card is issued by First Bank & Trust, Brookings, SD pursuant to a license by Visa International. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan” and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable.

 

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4.9

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10,615 Reviews

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German Ruiz Utica, MI

I was a little bit scared when I called . I thought I wouldn't get approved. However the loan officer went through everything and was approved and she helped me in getting the monthly payment I needed.

5 days ago

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Roberto Lopez Modesto, CA

I appreciate the timing of the whole process from start to finish not complicated and good customer service very informative the rates the formate of the monthly statements it is my first time doing business with this company Best Egg I would recommend it to anyone who is interested in a personal loan .

1 week ago

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Michael Middleton Gustine, TX

They gave me a great rate for my circumstances. I used a competitor years ago then the pandemic hit and set me back. I went back to that company and they rewarded me with 3 years on on time payments with a higher rate. Much higher. Best Egg saved the day!

1 week ago

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Paul Mariskanish Platteville, WI

I'm consistently impressed by your staff!! They're always knowledgeable but most importantly, friendly and very efficient as well as reassuring especially during these difficult times. They are definitely yours and mine " Best Eggs"!!

1 week ago

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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

6 days ago

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Deborah Stevenson Lexington, KY

I was treated with respect compassion for what my needs were and now i would like to be called concerning paying off some debts to see if will work for me.

5 days ago

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Alfred Davis Chicago, IL

Super easy to use application, review process was clear and communicated well, approval and account management great, customer service rep was professional and quick.

5 days ago

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Annette M Nesseth Minneapolis, MN

The loan was fast and easy. I was able to get a loan that I needed and was able to afford. The customer service agents I have spoke to have been, very friendly and easy to work with.

1 week ago

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Norma San Antonio, TX

I had been turned down by other financial institutions but Best Egg approved me for a consolation loan. I am now hopeful of my future. I can't express how relieved this loan has provided in meeting my needs

1 week ago

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Helen Hall Pflugerville, TX

I have 3 payments left on my loan. During the course of my loan anytime I reached out about anything I always received a quick and and informative reply customer service was excellent

1 week ago

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Frank Curley Middletown, NY

I caused my own problems and Best Egg helped me financially. Their service is totally professional, and private. You have automatic deductions so you can not be late. The staff are very knowledgeable and courteous.

1 week ago

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Jen Crofton, MD

I was shocked at how fast the money was in my account. It was about 12 hours. It was too easy to apply online. I didn't have any issues. And I've already made a few payments online to stay ahead, once again an easy process.

1 week ago

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Rance A. Nethken Payson, AZ

I used Best Egg before and had a wonderful experience with them. Everything went smoothly and getting another loan was very simple and straight forward! very pleased.

1 week ago

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Marvin oberg Saint Louis, MO

Because they were very helpful and not pushy and to the point. I thought your representative was great and easy to talk to and answered all my questions .

1 week ago

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eramier Denver, CO

This was one of the most simple and timely processes I have been apart of when it comes to loans. I am grateful for a streamlined and almost effortless transaction. This will allow me to cut my current loan term in-half, thus reducing the amount of interest I pay in the long-term.

2 days ago

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lakeitha Dallas, TX

So Best Egg offered me a loan thru Credit Karma. I had a major unexpected expense and took a chance to apply. And bam I was approved. It was convenient, fast and everything happened so fast. Had funds in my account right away..Long story short Best Egg did exactly as stated. 😊

4 days ago

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MJ Las Vegas, NV

I was in a bind and stressed with figuring how to pay a tax bill, and after researching and reading reviews, I finally decided to apply. I only had to submit a couple identification docs, and I’m so happy I got approved! Thank you!

5 days ago

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shondel barnes Benton, PA

Very simple process. I was given a lower rate than my current lender which I've had for many years with ZERO late payments. Glad i shopped around and didnt toss this one out as junk mail. Easy debt consolidation. High security throughout verification process.

5 days ago

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Haley Windermere, FL

The application process was very easy and they give you several options for the amount you can borrow, your payments, and interest rates. Applying for a loan can be stressful, but the process with Best Egg was user friendly!

1 week ago

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Marty Miller Chicago, IL

How generous and efficient these folks are. They have exceptionally professional and courteous partners over at Strategic Counseling and the process was about as easy as possible. Blessed people doing blessed things I’d say. They just made it more likely for me to be able to move to California to be near my elderly grandparents, if it is God’s will. Thank you all. May God bless you with what your hearts desire and also with His divine blessings in your lives and in the lives of all your loved ones. Amen.

1 week ago

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Brit NJ Matawan, NJ

I had a great experience with my first Best Egg loan! Excellent and quick communication, zero surprises, and it really did help boost my scores back up. Of course now because of...*looks around*... EVERYTHING that's been going on in the last year or two, we've had some financial setbacks. I was able to easily apply for and get a second loan to help pay off some of the emergencies and keep my cards free and scores up. Can't recommend Best Egg enough!

1 week ago

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Sherri Sylvania, GA

The easiest process I've ever been through. I had to use up my credit cards to finish paying for my daughters wedding and it maxed me out. I was just spinning my wheels keeping up with the high interest payments and wasn't getting the principal down. They saved me 5 years of debt! So happy.

1 month ago

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Reply from Best Egg

We are pleased to hear we made it easy for you! Thanks so much for sharing!

Jul. 20th, 2021

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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! ;)

2 weeks ago

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Reply from Best Egg

We really appreciate your feedback !

Sep. 16th, 2021

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Trisha Colvin New London, CT

It was and easy process, I got more than expected with options for payment. Also I received the funds quickly.

5 days ago

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Mark Jones Lees Summit, MO

I didn't have one issue applying for this little loan. I applied for it and had the money within two days thank you

5 days ago

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CHRISTY ROMERO Springer, NM

The approval process was way too simple!! I received the money the next day. The offer came in perfect timing.

5 days ago

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Dray Chattanooga, TN

Easy application and didn't think I would be able to get a loan for the amount I had requested. It showed up in my account within 3-5 days.

1 week ago

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Francine Thompson Milwaukee, WI

The process was very easy and quick. The rates were very good compared to other loan products offered by other companies.

1 week ago

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Carla Vanderheiden Winter Haven, FL

No questions, helped me in a time of need! My only complaint would be that I have paid this off and still showing as a debt

1 week ago

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John Hoffman Canyon Country, CA

Very easy to use website that walks you through the process. Rate are very competitive and the cost to get the loan was less than the competition

1 week ago

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Marsha Thomaston, GA

The loan was quick and easy to apply for. Your rate and payment was given upfront in fact you get to chose you're options and there's no hidden fees

1 week ago

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Jean Anne Smith Rockport, TX

Easy,fast,and secure. This was not complicated or difficult. I was given options on loans and offered amazing support when I had questions.

1 week ago

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NATHANIEL r NEWCOMB Tulsa, OK

easy-to-use, fast and quick process with a decision in minutes. money in 2 to 3 days, extremely satisfied with them so far.

1 week ago

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Fabio Alvarez Pompano Beach, FL

Ease in applying and quick response on the application. Money was deposited quickly and the dashboard is good source of information

1 week ago

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Justice Aigbe Aurora, CO

The process took me less than 5 minutes and when I was told my loan is approved and should be expecting the money in 1-3 business days, I didn't believe it. This is the best so far.

2 days ago

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Kenneth Brown Holyoke, MA

The process was simple and convenient . Even when i took some extra time to check my other options I received a friendly phone call asking if there was any way they could help me. Very pleasant experience.

3 days ago

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Toni Flaig Prairie du Sac, WI

I applied and within a day I was approved!!! Money in account in a day I paid off my loa so and credit debt right away. No hassles. Stress free now one low payment a month! Thank you Best Egg!!!

4 days ago

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Lijahztoforeign716 Buffalo, NY

The loan process with best egg 🥚 was excellent had a few problems but the customer service called and fixed it no problem and I got my loan approved in less then a few minutes..I definitely would recommend best egg

1 week ago

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Sandra Sanders Julesburg, CO

A bill for hearing aids had pushed me beyond the point of being able to pay my monthly bills. Best Egg kindly offered me a loan (after due investigation, of course) and helped me get things under control.

3 weeks ago

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Reply from Best Egg

Thanks for sharing your journey !

Sep. 16th, 2021

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tim teague Corpus Christi, TX

Fantastic experience. The process was much simpler than I expected and I have no complaints about anything. Very grateful to have found Best Egg through Credit Karma. 2 top notch services I would recommend to anyone. Thanks...

1 week ago

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Mitchell Slaughter Bentonville, AR

After putting in my application with Best Egg I received a phone call within the next day. I was happy to speak with Adelaida who was very informative and incredibly helpful! Would highly recommend the services offered here if you are looking for a loan!

1 week ago

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Wayne Jacobs Gloucester, VA

This was one of the easiest and fastest offers i have ever received. The process and application was so easy and simple. This takes a big weight off of my shoulders to be able to pay off a very high interest credit card. You guys are amazing and hope to do more business with your company in the future and i will definitely be telling friends and family about your business.

2 weeks ago

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Reply from Best Egg

Thanks for the recommendation !

Sep. 17th, 2021

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Robert Ryan Middleton Seattle, WA

I had a great experience setting up this loan! Very clear, efficient and streamlined process. The guidance to help make decisions were so valuable. My whole experience from a UX and the content provided established my trust in your website and company, which made this experience so friendly and enjoyable. Literally, took me less than 10 minutes to apply and get approved. Thank you for the thoughtful design and saving me time in my day.

3 weeks ago

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Reply from Best Egg

We really appreciate the detailed feedback Robert !

Sep. 16th, 2021

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Stephanie Mouapi Beltsville, MD

Very easy to apply. Feel in your details, validate your bank account, submit 4 documents to verify your identity and income and that's it. Literally the easiest thing I have done since the pandemic. I decided to set up automatic payments for the peace of mind which was done with ease: A checkbox. There is a 6% fee untop of the interest which is fine by me. Also amazing customer service!! No probing and silly questions. They helped me out of a bind and I am happy to pay for that help. Thank you Bestegg! You have a forever customer! Highly recommend!

3 weeks ago

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Reply from Best Egg

We really appreciate you taking the time and also for the recommendation Stephanie !

Sep. 16th, 2021

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Joseph Espino Ewa Beach, HI

It was very easy to apply without any hassles. I received my loan within 3 days or less. Very accommodating and so worth it. I consolidated all my credit debts into one payment with a low interest rate for 3 years. Without Best Egg, i would have been my paying my debts forever. I owe it all to Best Egg for helping me out.

2 months ago

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Reply from Best Egg

We are pleased to hear we made it easy for you! Thanks so much for sharing!

Jul. 8th, 2021

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Dana Saunders Smyrna, DE

I was online looking for a trust worthy loan company to help consolidate bills and best egg was one that popped up. Now honestly the name thru me off but I still clicked on it, it was the best decision I made. The interest rate was the lowest and they gave me more options that allowed me to get the amount I needed.

2 months ago

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Reply from Best Egg

Thanks for sharing your experience with us, Dana!

Jul. 8th, 2021

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Sharon Freeman Burnsville, NC

Customer Service is fabulous. Interest rates are horrible. This company helps those who really need help and at the same time, the system punishes people for needing help by requiring sky high interest rates. Also, when I overpaid, it would have been so very easy for Best Egg to provide my refund via direct deposit since I had been paying them that way for three years. Instead, I had to wait to receive a paper check in the mail.

2 months ago

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Reply from Best Egg

Sharon, thank you for taking the time to share your experience, Please let us know if there is anything we can do going forward.

Jul. 5th, 2021

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Harold Lee Smith New Market, AL

I was looking for a loan for updating my home, their rates and ease of getting the loan surpassed all others i had looked at. I had the money in a few days and was able to set up auto payment from my bank to make even easier.

2 months ago

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Reply from Best Egg

We are pleased to hear we made it easy for you!

Jul. 5th, 2021

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Michael Owuamanam Shalimar, FL

Awesome entity. I thought they just another lending group. Best eggs distinguish themselves from the pack. Low percentage rate and prompt on delivery. One company was to lend me $10,000 but their interest was about the interest am getting for $20,000 from BEST EGGS.

2 months ago

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Reply from Best Egg

Thanks so much for sharing, Michael!

Jun. 21st, 2021

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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.

1 month ago

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Reply from Best Egg

Thanks for sharing your feedback, we are always looking to improve the process !

Aug. 24th, 2021

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