Before You Apply

Applying for a Best Egg loan will not affect your credit score as only a soft credit inquiry is generated. If a loan offer is accepted, the soft credit inquiry is converted to a hard credit inquiry, which may impact your credit score.
The Origination Fee is the cost of processing the loan. It is a one-time charge that, if applicable, may be deducted from loan proceeds at the time of funding.
You can apply for $2,000 - $50,000. Use that money however you please: to pay off high-rate debts, for a trip, or to remodel your home. Whatever your dream or goal, we'd love to help you get there. Loan proceeds cannot be used for education expenses or illegal activities. Minimum loan amounts vary by state.
Unlike peer-to-peer lending, you don't need to post your Best Egg loan and wait for investors to fund it. You can get a decision in as little as a few minutes. Upon approval, we will send your money electronically to the bank account you provide, and you could have your money in 1 business day.
Best Egg offers loans at fair, fixed rates. Annual Percentage Rates (APRs) start as low as 5.99% for qualified applicants! The APR may include an origination fee of 0.99%–5.99%. If applicable, the origination fee on a five year loan will be at least 4.99%. The origination fee is deducted from loan proceeds. To see what rates we have for you, check your rate now. The APR is the cost of credit as a yearly rate.
You must be a US citizen or permanent resident and of legal age to accept a loan in the state in which you reside. You must also have a verifiable bank account.

In addition we consider things like:
  • Information you provide on your loan application
  • Information provided about you by credit bureaus
  • Your credit score
  • How much money you owe compared to how much money you earn
* Please note that at this time, we are unable to originate loans in Iowa, Vermont, or West Virginia.
As a general practice, Best Egg does not currently share your personal information with anyone except with third parties who assist in servicing the loan. For more information, please check out our Privacy Policy.
We want to do all we can to protect against identity theft and fraud, so we may need some additional documentation to prove it's really you. Sometimes it is just the final step to confirming that you're qualified to take out a Best Egg loan.
A Best Egg loan is an unsecured personal loan product issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC.

After You Apply

Of course! If you find yourself ahead of the game, you can make additional payments at your convenience with NO prepayment fees or penalties. Prepaying your loan will reduce future interest payments. Do so by calling us at 855-282-6353, by going to, or by mailing a check with your account number in the memo line to Systems & Services Technologies Inc., P.O. Box 5493, Carol Stream, IL 60197-5493.
Electronic Funds Transfer: You may have set this up when you applied, but if you did not, you can call us 855-282-6353 to enroll in our easiest payment option. If you choose a payment method other than automatic payment, you may be charged a $7.00 processing fee for each payment.

Other payment methods include:

Online: You can make one-time payments any time online at

Mail: We accept checks and money grams mailed to Systems & Services Technologies Inc., P.O. Box 5493, Carol Stream, IL 60197-5493. Please put your account number on your payment and allow 5-7 business days for your payment to reach us.

Western Union® Quick Collect®: Please visit a Western Union® office near you and provide the agent with the following information: Pay to: SST, Code City: SST, Code State: MO, and your account number. Western Union® charges a flat fee for this service. Payments received after 5:00 PM CT may not post until the following business day.

*Late payments incur a fee of $15.

Your personal privacy is very important to Best Egg. We have gone to great lengths to protect your personal information from unauthorized access and use. To do so, we use security measures that comply with federal law and are designed to meet or exceed industry standards for financial institutions. Best Egg uses sophisticated physical, procedural and technical safeguards to ensure the security of your information.
If you're pre-approved, according to information on your credit report, you look like someone who might benefit from and qualify for a Best Egg loan. It does not mean you are guaranteed to qualify for a loan. To determine your loan eligibility, we need additional information that we get when you check your rate through our simple application.
You 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 six months and your combined Best Egg loan balances cannot exceed $50,000. Of course, we consider other factors like your payment history with Best Egg to determine if you qualify for an additional loan.