Our Rating: 89%

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Best Egg Personal Loan Review

Loan Amount:
$2,000 - $35,000
Minimum Credit Score:
640
APRs From:
5.99% - 29.99%
Funding Speed:
As soon as same day

Best Egg personal loans offer online unsecured personal loans to eligible borrowers. Their loans can be funded within one business day and require a minimum credit score of 640.

Check your pre-qualified personal loan rates online now.

BestEgg Personal Loan Overview

Online lender Best Egg offers unsecured personal loans to borrowers with fair or good credit (640 - 719 credit scores).

BestEgg has funded over 600,000 loans with a total funding amount of over $10 billion since being found in 2006.

The loans range from $2,000 to $35,000 and repayment terms are three or five years.

The most common use of a BestEgg personal loan is to consolidate debt or refinance credit cards. Borrowers can also use the loan to fund large purchases, pay for home improvement projects, fund moving costs, and cover the cost of special occasions.

Pros

  • Competitive rates among lenders in this credit range.
  • Loans are able to be funded within one business day.
  • Offers secured loan option for homeowners.

Cons

  • Charges origination fee of 0.99% - 5.99%.
  • $15 late fee.
  • No offer to directly pay creditors for debt consolidation.
  • Only available in 3 or 5-year terms.
Get Pre-Qualified for a Personal Loan Today
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Qualification Requirements

  • A minimum credit score: 640, however, the average borrower credit score is 700.
  • A minimum credit history of three years with a minimum of three accounts.
  • No minimum income required, however, the borrower average is $80,000.
  • A minimum debt-to-income ratio of 40% or 65% (this includes a mortgage), however, the borrower average is 40%.
  • Must provide proof of income (employment).
  • Must provide valid U.S. address and Social Security number.

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