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Personal Loans
Trusted by over
1 million people for
personal loans
Hassle-free personal loans for all of life’s financial needs.
No impact to your credit score when you check your rate!
Hassle-free personal loans for all of life’s financial needs.
Reviews
Real customers, real reviews
“Convenient and easy to apply and secure loan. There is no bait and switch which is what I just experienced with another lender. The entire process and documentation is clear and transparent!”
Shannon of Woodbridge, CT“I have been able to pay off several credit cards, love the fast and friendly response to my loan process by the Best Egg staff. I highly recommend it to anyone.”
Rogelio of Fort Worth, TX“This is my second loan with Best Egg – first to pay off some home improvement costs and now some credit cards. Both times have been super fast and easy. I couldn’t have have done all I have without them! Thank you Best Egg!”
Paula of Springfield, MA“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, IDPersonal loans for hassle-free funds, fast
- Direct Pay feature that could help pay off debt faster and may provide better rates
- Top-rated personal loans
- Low fixed APRs †
- Loans up to $50,000
Quote is an excerpt from actual customer feedback provided via a Best Egg customer survey.
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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Best Egg 2025
† Annual Percentage Rates (APRs) range from 6.99%–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%–9.99% 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. Eligibility for the best available rate subject to creditworthiness. 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 6.99% APR has 36 scheduled monthly payments of $152.83.
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 personal loans made by Cross River Bank, a New Jersey State Chartered Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Secured Loan is orginated exclusively by Cross River Bank.
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, $5,001; and Georgia, $3,001. 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 pre-paid 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.
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