Secured Loan

SECURED LOAN + HOMEOWNER DISCOUNT

A+ rated with the Better Business Bureau

Rated #1 Personal Loan by Best Company

Excellent rating from 6,500+ reviews

Simplify your path to a lower APR

Tackle your goals while saving with a Secured Loan + Homeowner Discount. Unlike home equity loans that need your full home as collateral, this loan is secured with items in your home like light fixtures, cabinets, and vanities. Available exclusively to homeowners, Secured Loan + Homeowner Discount customers can access our lowest rates available. Check your rate now to see how much you can save with secured.

Access up to $50,000 in as little as 24 hours with no additional paperwork

Lower rates and more affordable monthly payments compared to our unsecured loan

An average APR discount of 20% saves money over time

Check your rate without impacting your credit score

What to think about when considering a Secured Loan + Homeowner Discount

1

You have high interest debts that you want to consolidate into a more affordable rate

2

You could use extra cash to make home improvements or repairs

3

You’re looking for a personal home loan that provides a low rate, but doesn’t use your home as collateral

4

You’re interested in a loan term that ranges from 5-7 years

Find out how much you could save

If you’re considering a secured personal loan, try our personal loan calculator to see what your monthly payment and annual percentage rate might be before you apply.

Estimate My Rates

How it works

Your loan could be just 3 steps away

Find your best fit

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

“The ease with the process was something I have NEVER experienced in my 40 years of adult purchasing. I have had many loans, from home loans to the average car loans. But never was I able to get documents done and funded in a week. That is unheard of!!! All the people who assisted me were unfailing polite and helpful. Thank you so much. I will definitely be using your company again!!!”

Marianne of Santa Paula, CA

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

Find out if you’ve been approved for personal loan offers within minutes.

Resources

Learn more about personal loans

Refresh Your Home: 14 Simple Ideas for Adding New Life

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

How to Prepare for a Major Home Repair

Get Inspired: 5 Home Improvement Blogs To Spark that Next Project

Flipping A House? Here’s What to Know Before Buying a Fixer Upper

Guide to Choosing Your Next Home Improvement Project

How to Anticipate Maintenance to Your Home and Budget for It

View all resources

Ready to get started?

Personal Loans

Company

LEGAL

Support

SOCIAL

Best Egg 2023

Legal Terms & Conditions

† Annual Percentage Rates (APRs) range from 5.99%–29.99%. 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 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 8.99% APR has 36 scheduled monthly payments of $157.40. For example: a 5-year unsecured loan of $10,000 with an APR of 9.99% has 60 scheduled monthly payments of $201.81, and a 3 year unsecured loan of $5,000 with an APR of 8.99% has 36 scheduled monthly payments of $157.40. A 5-year secured loan of $20,000 with an APR of 9.99% has 60 scheduled monthly payments of $412.16, and a 3 year secured loan of $12,500 with an APR of 15.99% has 36 scheduled monthly payments of $ 426.25.

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 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. 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; Ohio, $5,000; and Georgia, $3,000. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, or U.S. Territories. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000.

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 84 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.

*The Best Egg Secured Loan is a personal loan secured using a lien against fixtures permanently attached to your home such as built-in cabinets, light fixtures, and bathroom vanities. Rest assured, your home itself will not be used as collateral.

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