Best Egg Personal Loan review: Low APR rates!

Looking for a personal loan? Check out our in-depth review of Best Egg, one of the top online lenders. Learn about their secured and unsecured loans, interest rates, and more.


by Vinicius Barbosa

Published on 02/02/2023

Best Egg Personal Loan: Consolidate your debt and save money!

Best Egg is an online lender with a wide range of loans. Source: The News Stacker.

Are you looking for an online lender to fund your financial needs? With its unsecured and secured personal loans, Best Egg offers the perfect solution. Check out this Best Egg Personal Loan review to learn everything you need to know.

Best Egg Personal Loan

How to apply for the Best Egg Personal Loan

Ready to apply for the Best Egg Personal Loan? This no-frills loan is ideal for consolidating credit card debt.

  • APR: 8.99-35.99%
  • Loan Purpose: Consolidate debt, refinance credit cards, home improvements, and moving expenses. Auto repairs, medical bills, and other large expenses.
  • Loan Amount: $2,000 – $50,000
  • Credit Needed: You’ll need a minimum of 600
  • Terms: 3, 4 or 5 years.
  • Origination fee: 0.99% – 8.99% of the loan amount
  • Late Fee: There is a $15 fee
  • Early Payoff Penalty: None

Whether it’s consolidating debt, refinancing credit cards, or covering large expenses. Borrowers in the fair-to-good credit score range can take advantage of loan amounts ranging from $2,000 all the way up to $50,0000! 

Repayment terms are available between three and five years, while those who opt for a secured loan may require permanent fixtures in their home as collateral security.

Best Egg Personal Loan: What can you expect?

Best Egg is an online lending platform that enables people to access the benefits of unsecured and secured personal loans via Cross River Bank and Blue Ridge Banks. 

Those qualified will be able to obtain amounts ranging from $2,000 up to a maximum of $50,000. With additional Direct Pay consolidation opportunities available for their credit cards. 

This service comes with different APR rates varying between 7.99% – 35.99%, depending on your loan term and amount, as well as creditworthiness factors too! 

Best Egg doesn’t hit you with prepayment penalties should you choose early payoff options. 

In addition, there are also no fees upon bounced checks or returned payments due to insufficient funds, chargeable at just $15 per occurrence! 

Customers are further rewarded by being eligible to view their six-month FICO Score when opting into this service.

Do the pros outweigh the cons?

You can get financial help to achieve your dreams. Source: Canva.

Our Best Egg Personal Loan review breaks down the pros and cons so you can make an informed financial decision. It’s your money, after all.

Check out the benefits and drawbacks list to see if this account could be a great fit for you!


  • You can get a loan starting at $2,000 in most states
  • You can use the loan to pay off your credit card debt
  • The loan is available for a wide range of uses


  • The annual percentage rate (APR) can be as high as 35.99%
  • The origination fee ranges from 0.99% to 5.99% of the loan amount

What are the eligibility requirements?

To be eligible for a Best Egg personal loan, you’ll need an acceptable credit score and debt-to-income ratio. Your minimum required FICO® Score should be 640, but if it’s 600 or above, then the lowest Annual Percentage Rates are available. 

If your monthly debts don’t exceed 30% of your gross income, excluding mortgage loans, you’re doing just fine! 

To qualify for the best APRs, however, applicants must meet additional criteria about their annual income: you will need at least $100 000 in individual yearly earnings.

Learn how to request the Best Egg Personal Loan

Ready to take advantage of the great features you’ve seen in this Best Egg Personal Loan review? With a few clicks, you can start your loan application process.

Follow the link and start down the path toward financial freedom!

Best Egg Personal Loan

How to apply for the Best Egg Personal Loan

Ready to apply for the Best Egg Personal Loan? This no-frills loan is ideal for consolidating credit card debt.

About the author

Vinicius Barbosa

Vinicius Barbosa is a writer of finance-related content on this portal. Graduated in Social Communication, he writes about everything that involves the world of finances, from credit card recommendations to investment tips, for readers who want to make better decisions when it comes time to spend their money or invest wisely.

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