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Best Egg review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

A US personal loan marketplace with fixed rates throughout the term, this lender suits borrowers with fair credit who need money fast. Loans run 6.99% to 35.99% on $2,000 to $50,000 over 36 to 60, and the rate never moves once it is set.

Key facts

Best for
US adults with fair credit who want a fixed-rate personal loan funded quickly.
APR
6.99% to 35.99%↗
Loan amount
$2,000 to $50,000↗
Term
36 to 60 months↗
Arrangement fee
0.99% - 9.99% of the loan amount, deducted from loan proceeds; at least 4.99% for terms of 4 years or longer↗
Credit check
Soft prequal↗
Funding time
Funding in as little as 24 hours; about half of customers get their money the next day↗
Representative example
A 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
Yes↗
Eligibility
Be a U.S. citizen or permanent resident living in the U.S., of legal age in the state of residence, with a valid SSN, verifiable personal checking account, valid email and a physical address (no PO boxes)↗
Origination fee (%)
0.99% to 9.99%↗
Loan types
Personal, Debt-consolidation, Secured, Car↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
Marlette Marketing, LLC↗
Headquarters
United States↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
bestegg.com

Credit cards

Rewards type
None↗
Perks
Homeowner Discount secured loan with average APR savings of 20%, Funding in as little as 24 hours, Fixed interest rates↗
Card kind
Credit↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
TrustpilotLinkedInXyoutube.com

Pros and cons

Pros

  • Fixed interest rates across the term, so monthly payments stay level and predictable
  • A soft prequalification under soft prequal shows rates before a full credit search
  • Personal, debt consolidation, secured and car loans, with home improvement as a listed use
  • Free early repayment, and a homeowner discount on secured loans with average APR savings

Cons

  • The origination fee of 0.99% to 9.99% is taken from the payout, so less reaches your account
  • As a marketplace, the rate you are offered depends on your own profile
  • Only fair credit is asked for, which leaves thin files with little room

Ready to try Best Egg?

Scored 8.8 / 10 by SumCue.

See alternatives

Who it suits

  • US residents who hold a verifiable personal checking account and a fair credit file
  • Borrowers consolidating debt or funding home improvement work at a fixed rate
  • Anyone who wants to see a rate through a soft check before a full application

Who should look elsewhere

  • Creduma ES borrowers who want a single euro lender instead of a US marketplace
  • Sofkredit readers who want a lower rate ceiling in a Spanish market
  • Cashspace readers who need a different currency and a different market

Safety of your money

As a marketplace, applications are passed to lending partners rather than a single lender making the decision. The named operator is Marlette Marketing, LLC, a US entity holding an Oregon Division of Financial Regulation consumer finance licence, an NMLS consumer access registration for Marlette Servicing, state licences in New Mexico, Texas and Pennsylvania, and the published example shows a multi-year loan repaid in monthly payments.

How Best Egg compares

Where Best Egg is available

Available
United States
Licence in United States
Oregon Division of Financial Regulation (Consumer Finance License) (1849194), checked September 26, 2026
Licence in United States
NMLS (NMLS Consumer Access) - Marlette Servicing, LLC (1849345), checked September 26, 2026
Licence in United States
New Mexico Regulation and Licensing Department, Financial Institutions Division (02389), checked September 26, 2026
Licence in United States
Texas Department of Banking (Regulated Lender License) (2500079382-173814), checked September 26, 2026
Licence in United States
Pennsylvania Department of Financial Services (Credit Services Loan Broker) (113535), checked September 26, 2026
Licence in United States
FDIC (member bank for loans made by Cross River Bank and Column N.A.), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a loan cost?+

Interest runs at 6.99% to 35.99% on amounts of $2,000 to $50,000 over 36 to 60, and it stays fixed for the life of the loan. An origination fee of 0.99% to 9.99% is taken from the proceeds before the money lands, and a higher minimum fee applies on longer terms.

How quickly does the money arrive?+

Funding can arrive in as little as a day, and many customers are paid the next day. Repayments then run monthly across a term of 36 to 60, and fixed interest rates mean the cost is set from the start.

What credit do I need?+

The bar is fair credit. The search starts as a soft prequal check, so an early look at rates does not count as a full credit search, and a full search follows only when an offer is taken up and the loan goes ahead.

Who can apply?+

Applicants must be US citizens or permanent residents living in the US, of legal age in their state, and they need fair credit. You also need a valid social security number, a verifiable personal checking account, an email address and a physical address, since PO boxes are not accepted.

Who actually makes the loan?+

Lending partners make the loan, since this is a marketplace that matches borrowers with lenders rather than lending on its own account. The named operator is Marlette Marketing, LLC, and some loans are made by partner banks.

Can I repay the loan early?+

Free early repayment is available, so clearing the balance before the end costs nothing. A fixed rate over 36 to 60 means the total is known from the start, which makes a consolidation loan worth settling sooner.

Is there a credit card in the range?+

There is a credit card in the range, listed as a credit card, and its rewards type is none. The lending offer is the main product, with a card sitting alongside it rather than a rewards card to compare.

How do I get help?+

Support runs on phone, email and help centre, which covers phone, email and a help centre, and chat is not among those channels. Once a loan is running, the phone line is the faster route for questions about payments.

Sources

  • support.bestegg.com/hc/en-us/articles/360020629712-What-a... checked September 26, 2026

    Backs: Eligibility

    “Be a U.S. citizen currently living in the U.S., or a permanent resident currently living in the U.S. Be of legal age to accept a loan in the state in which they reside”

  • bestegg.com checked September 26, 2026

    Backs: Credit check, Features, Perks

    “The rate check uses a soft credit inquiry, which does not impact your credit. If you choose to accept a loan and move forward, a hard credit inquiry may be required at that point.”

  • bestegg.com/about-us checked September 26, 2026

    Backs: Headquarters

    “Headquartered in Wilmington, DE”

  • bestegg.com/contact-us checked September 26, 2026

    Backs: Loan types, Support channels

    “Best Egg offers secured and unsecured personal loans”

  • bestegg.com/credit-card checked September 26, 2026

    Backs: Card kind, Rewards type

    “The Best Egg Credit Card is issued by Column N.A., pursuant to a license by Visa U.S.A.”

  • bestegg.com/licenses checked September 26, 2026

    Backs: Licences

  • bestegg.com/personal-loans checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Free early repayment, Funding time, Legal entity, Lender type, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Loan amounts range from $2,000-$50,000.”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Best Egg

US adults with fair credit who want a fixed-rate personal loan funded quickly.

8.8/10See alternatives