Best Egg Personal Loans Review 2022: Should You Sign Up?


GOBanking Rates Score

Quick take: Best Egg is a trusted unsecured personal loan provider that makes it easy for borrowers to consolidate and reduce the cost of high-interest credit card debt or access the financing they need for things like home repairs. house and car. The company charges reasonable fees and funds accounts quickly.

  • Availablity
  • Affordability
  • Customer service
  • Costs

How did we calculate this?


  • Reasonable APRs of 7.99% to 35.99%.
  • Personal loans up to $50,000.
  • Easy to check prices.
  • Fast approval and funding process.

The inconvenients

  • Borrowers must pay a loan origination fee.
  • No option to choose the due date.
  • No promotional interest rate.

Overview of Best Egg Personal Loans

Best Egg Loans make it easy for borrowers with credit scores equal to or greater than 640 to access up to $50,000 in immediate financing. The company has become a popular option that has a TrustScore of 4.7 out of 5 on TrustPilot and an A+BBB rating with a customer service score of 4.87 out of 5 on the platform, as of October 28, 2022. Best Egg is one of the top-rated companies in its industry by the BBB and TrustPilot, making it a solid option for anyone looking for a loan.

Main characteristics

Popular options don’t just become popular options by offering the same things everyone else is offering. They offer unique features and services that compel the masses to get involved. Here are the main features of Best Egg.


Loans from Best Egg are widely available as the company only requires a 640 credit score to be approved, which nearly three-quarters of Americans have. Of course, applicants must also have reasonable income and employment to be approved. Yet, these loans are relatively easy to obtain as long as applicants meet minimum credit score requirements.


The the company charges the APR ranging from 7.99% to 35.99% which is very competitive in the personal loan industry. Best Egg also charges loan origination fees ranging from 0.99% to 8.99%. These fees depend on the size of the loan and are deducted from the total amount when financing.

Customer service

Best Egg’s customer service is one of the best in the business, which is why the company has earned high marks on websites such as TrustPilot and the Better Business Bureau. Reading consumer reviews of the company shows that the vast majority of its customers have been impressed with the speed and level of services they have received.


Best Egg’s fees are what applicants generally expect when applying for a personal loan. Interest and loan origination fees are competitive and there are no hidden fees to speak of.

How The Best Egg Stands Out

Best Egg sets itself apart by providing flexible credit checks that allow applicants to see if they’re approved before applying. This means that applicants who are not approved need not worry about hurting their credit scores.

Comparable options

The main features of Best Egg are compelling for those who wish to obtain personal loans, but it is not the only option available. Those who don’t want to work with Best Egg should consider the following competitors:


Prosper is a peer-to-peer lending platform that offers similar interest rates and lending caps to Best Egg. The company shines in approving loans for consumers with credit scores as low as 600 and may be the best option for consumers with credit scores between 600 and 640. The main difference between Prosper and Best Egg is the fact that Prosper is a peer-to-peer lending service. This means that the money customers borrow comes from peers rather than the traditional banking system.


SoFi is another personal loan provider with competitive interest rates compared to Best Egg. The biggest difference between the two is that SoFi lends up to $100,000, making it the best option for those who need high-value loans.

Besides loans, SoFi also offers high-yield savings accounts with interest rates of up to 2.5%.

How to register

Customers interested in applying for a Best Egg personal loan can click the “Check My Rate” button on the company’s website and follow the instructions.

Who is the best egg for?

Best Egg is a compelling option for anyone in need of a personal loan ranging from $2,000 to $50,000. Of course, higher credit scores qualify for lower rates, but it’s also an attractive option for those whose credit isn’t perfect.

Final grip

Best Egg personal loans can give you quick access to the money you need. If you need a personal loan, create a Best Egg login and apply – your credit will not be affected until you receive approval and accept the loan.

Best Egg Personal Loan FAQs

Here are some of the most common questions about Best Egg Personal Loans.
  • Is Best Egg a legit company?
    • Yes. Best Egg is an A+ rated company with the BBB and has a TrustScore of 4.6 on TrustPilot. The company is the focus of thousands of positive reviews online from consumers who have used its services.
  • Which bank uses Best Egg?
    • Best Egg uses Cross River Bank, as well as Blue Ridge Bank, as lending partners.
  • How much can you borrow from Best Egg?
    • Applicants can borrow up to $50,000 using the Best Egg lending platform.
  • Does Best Egg verify income?
    • Best Egg may ask applicants to verify various aspects of their applications, including their income.

Editorial note: This content is not provided by any entity covered by this article. Any opinions, analyses, criticisms, evaluations, or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed, or otherwise endorsed by any entity named in this article.

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