Personal Loans

Explore with no impact on your credit score

Check your rate in minutes

Funding in as little as 24 hours

Our approach

Getting a loan doesn’t have to be a hassle

Our quick process could get you the money you need to get out of a pinch or make a dream real.

A loan for every lifestyle

Whatever your dreams, plans or goals may be, we’re here to help you get access to the money that could make them happen.

We look at more than just your credit score

One number shouldn’t determine your future, so we consider multiple factors to build your rate.

Support for your whole financial health

Understanding your financial health—including your credit history and current score—can help you make smart financial decisions.

Types of personal loans

Debt Consolidation

Save money by consolidating your debt.

Credit Card Refinancing

Cut the plastic and simplify your financial life.

Home Improvements

Invest in your house and make it a home.

Moving Expenses

Make a move without financial stress.

Major Purchases

Restore order when the unexpected happens.

Baby & Adoption

Grow your family stress free.

Special Occasion

Take the financial burden out of planning a celebration.

Vacation Loans

Taking a vacation should relieve stress, not cause it.

4.6 rating from
6,500+ reviews

How it works

Your loan could be just 3 steps away

Find your best fit

Assess your budget, read reviews, and learn about our types of loans to find the one that’s right for you.

“Fast and easy to apply with. Money in the bank in two days. Now I can pay off my credit cards high interest. Thank you so much Best Egg. Very reliable loan.”

Robert of Twin Falls, ID

Quote is an excerpt from actual customer feedback provided via a Best Egg customer survey.

These images are representative and not the actual customer

Apply for your loan

Gather your financial information and submit a quick and easy application online.

Get offers

See if you have any personal loan offers within minutes.

Resources

Learn more about personal loans

Types of Personal Loans and How to Choose Them Wisely

What Does It Mean to Pre-qualify for a Personal Loan?

What is an Online Loan?

In-Person vs. Online Loans

The 1 Financing Option to Know Before Dipping Into Your 401(k)

The Benefits of Living Below Your Means

View all resources

FAQ

You can apply for loans from $2,000–$35,000, but loan limits can vary by state and with special offer codes, loans up to $50,000 may be available.

An Annual Percentage Rate (APR) includes both the interest rate and any fees, like an origination fee. Best Egg offers fixed APRs to express the cost of borrowing money.

Best Egg offers simple interest loans. 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.

There is a one-time origination fee that is included in the principal loan amount, and is deducted from the amount deposited into your bank account.

Other fees: There is a $15 returned payment fee if your money does not get processed (returned checks or insufficient funds in your bank).

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Personal Loans

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Best Egg 2022

Legal Terms & Conditions

† 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.

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 driver's license or other identifying documents.

‡ Marlette Holdings, Inc., a Delaware corporation, is the parent company to the following subsidiaries: Marlette Servicing, LLC and Marlette Marketing, LLC.