Best Egg Review
Best Egg is known for fast funding and competitive rates for good-credit borrowers, with a straightforward application process.
APR Range
8.99% – 35.99%
Loan Amount
$2,000 – $50,000
Min. Credit
640
Funding Speed
Same day to next business day
Best Egg Personal Loan Review
Best Egg (by Marlette Holdings) has funded over $20 billion in loans and focuses on a streamlined experience. Their sweet spot is borrowers with 640+ credit scores looking for fast access to funds. Same-day or next-day funding is common, and the application process is simple and fast. They do charge an origination fee (0.99–8.99%), but their rates remain competitive for the credit tiers they serve.
Best For
Good-credit borrowers who need fast funding
Pros
- Fast approval and funding (as quick as same day)
- Competitive rates for 640+ credit scores
- Simple, streamlined application
- Flexible use of funds
- Secured loan option available
Cons
- Origination fee of 0.99% – 8.99%
- Minimum credit score of 640
- Maximum loan amount of $50,000
- No co-signer or joint application option
Loan Details
| APR Range | 8.99% – 35.99% |
| Loan Amounts | $2,000 – $50,000 |
| Repayment Terms | 36 – 60 months |
| Minimum Credit Score | 640 |
| Funding Speed | Same day to next business day |
| Fees | Origination fee: 0.99% – 8.99%. No prepayment penalty. |
Key Features
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Compare Other Lenders
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| LightStream Excellent credit borrowers wanting the absolute lowest rates | 7.49% – 25.49% | $5,000 – $100,000 | 700 | Same day (with bank account verification) | Check Rate | |
| Upgrade Fair-credit borrowers who want flexibility and joint applications | 9.99% – 35.99% | $1,000 – $50,000 | 580 | 1 – 5 business days | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate | |
| Marcus by Goldman Sachs Good-credit borrowers who want zero fees and payment flexibility | 8.99% – 25.99% | $3,500 – $40,000 | 660 | 1 – 4 business days | Check Rate |
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Best Egg at a Glance
- Rating
- APR
- 8.99% – 35.99%
- Amount
- $2,000 – $50,000
- Min. Score
- 640
- Funding
- Same day to next business day