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Best Egg Personal Loans

† Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4 years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81; a 3-year $5,000 loan with 8.99% APR has 36 scheduled monthly payments of $157.40.

About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days.

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" 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. Learn more about our lending partners.

The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. If offered, your loan agreement will contain specific terms and conditions. The timing of available funds upon loan approval may vary depending upon your bank's policies.

Loan amounts range from $2,000–$50,000. Residents of Massachusetts have a minimum loan amount of $6,500; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories.

Best Egg loans can be repaid at any time without penalty. Barring any unforeseen circumstances, Best Egg loans have a minimum term of 36 months and a maximum term of 60 months.

Best Egg Credit Card

*0% Introductory APR for the first 6 months following the opening of your account. After that, your APR will be 16.99% to 27.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Loss of Intro APR: We will end your introductory APR if you do not make your required payment by the due date as reflected on your monthly billing statement and will apply the standard APR for your purchases. This offer is dependent on verification of your credit report information and your ability to meet the pre-established criteria. The terms, credit line, and APR of any credit card we approve you for will depend on your credit score, income, debt payment obligations, credit history, and other factors. If approved, your Cardmember Agreement will contain specific terms and conditions. Terms, conditions and benefits are specific to this offer and cannot be combined with other offers. By applying, you certify that all information you provided is true, that you are of legal age to accept a credit card in the state in which you reside and are a U.S. citizen or permanent resident.

Through Marlette’s partnership and joint marketing agreement with First Bank & Trust, Member FDIC, Cross River Bank, Member FDIC, and Blue Ridge Bank, N.A., Member FDIC, we are able to present this offer which is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated.

*0% Introductory APR for the first 6 months following the opening of your account. After that, your APR will be 18.99% to 28.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Loss of Intro APR: We will end your introductory APR if you do not make your required payment by the due date as reflected on your monthly billing statement and will apply the standard APR for your purchases. This offer is dependent on verification of your credit report information and your ability to meet the pre-established criteria. The terms, credit line, and APR of any credit card we approve you for will depend on your credit score, income, debt payment obligations, credit history, and other factors. If approved, your Cardmember Agreement will contain specific terms and conditions. Terms, conditions and benefits are specific to this offer and cannot be combined with other offers. By applying, you certify that all information you provided is true, that you are of legal age to accept a credit card in the state in which you reside and are a U.S. citizen or permanent resident.

If you are approved for a Best Egg Credit Card, a hard credit inquiry will be generated, which may impact your credit score.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.

‡ Marlette Funding, LLC is the parent company to the following subsidiaries: Marlette Servicing, LLC and Marlette Marketing, LLC.

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