Updated April 2026Expert Reviewed
B
Best Egg Personal Loan Review
4.5
APR Range
5.99% - 35.99%
Loan Amounts
$2,000 - $50,000
Repayment Terms
3-5 years
Min. Credit Score
580
Origination Fee
0.99%-8.99%
Funding Speed
1-3 days
4.5
Our Verdict
Best Egg is best for secured personal loans, offering competitive rates with 1-3 days funding.
Pros
- Secured loan option
- Credit monitoring
- Direct payment to creditors
- 1-3 days funding available
Cons
- Origination fee: 0.99%-8.99%
- APR can go up to 35.99%
- Min credit score: 580
How Best Egg compares
| Lender | Rating | APR | Fees | Speed |
|---|---|---|---|---|
| Best Egg | 4.5 | 5.99%-35.99% | 0.99%-8.99% | 1-3 days |
| SoFi | 4.9 | 8.99%-29.99% | Optional (0-7%) | Same day |
| Upgrade | 4.7 | 9.99%-35.99% | 1.85%-9.99% | Same day |
| LightStream | 4.9 | 6.49%-25.99% | None | Same day |
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Best Egg FAQ
Best Egg requires a minimum credit score of 580. However, the best rates are typically available to borrowers with excellent credit (720+).
Best Egg typically provides funding in 1-3 days. Actual funding times may vary depending on your bank and application completeness.
Best Egg's origination fee is 0.99%-8.99%. This fee is typically deducted from the loan disbursement.
Most personal loan lenders, including Best Egg, offer a soft credit check for prequalification that does not impact your credit score. A hard inquiry only occurs when you formally submit a full application.
Best Egg offers personal loans ranging from $2,000 to $50,000 with terms of 3-5 years. The exact amount you qualify for depends on your creditworthiness, income, and debt-to-income ratio.
Best Egg earns a 4.5/5 rating in our analysis. It's best for secured personal loans. Key strengths include secured loan option and credit monitoring. APR ranges from 5.99% to 35.99%, which is very competitive.
Lauren Vasquez
Senior Financial Analyst · CFP®, Former Loan Officer
Lauren Vasquez is a Certified Financial Planner with over 12 years of experience in personal lending and consumer finance. She spent eight years as a senior loan officer at Wells Fargo before joining Fast Loan Express to help everyday borrowers cut through the noise and make smarter decisions.
Read Lauren's articles on Medium →