Best Egg Personal Loans

Best Egg offers personal loans ranging from $2,000 to $50,000 with APRs between 6.99% and 35.99%, focusing on quick funding for debt consolidation and home improvements.

Last checked on September 19, 2026. We may earn a commission when you click through.

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✓ Quick funding within 24 hours ✓ Flexible loan amounts from $2,000 to $50,000 ✓ Simple online application process
Personal Best Egg

Best Egg Personal Loans

Updated 1 month ago

Our Verdict

Best Egg provides fast funding, often within a day, solid option for urgent financial needs. However, borrowers should be cautious of the high maximum APR of 35.99%, which could make long-term borrowing costly.

Pros

  • Quick funding within 24 hours
  • Flexible loan amounts from $2,000 to $50,000
  • Simple online application process

Cons

  • High maximum APR of 35.99%
  • Minimum credit score requirement of 600
  • Limited to U.S. citizens or permanent residents

In-Depth Review

With APRs starting at just 6.99%, Best Egg can be an appealing choice for borrowers with good credit. The online application process is and typically results in funding as fast as 24 hours. However, the company does require a minimum credit score of 600 and a documented annual income of at least $15,000, which could limit eligibility for some applicants.

while Best Egg is A+ rated by the Better Business Bureau, the presence of higher rates may deter long-term borrowing. It's that many users report receiving offers at the upper end of the APR range, particularly those with less-than-perfect credit. Therefore, if you're considering a loan, it's advisable to compare rates with other lenders like SoFi or LendingClub, which may offer more favorable terms for certain profiles.

Best For

Individuals with a credit score of at least 600 seeking personal loans for debt consolidation or home improvement.

Borrowers with a credit score of 600 or above looking for personal loans for debt consolidation or home improvements.

Watch Out

The maximum APR of 35.99% can lead to high repayment costs for those with lower credit scores.

Customer Reviews

Customer feedback highlights fast funding but warns about high APRs and variable customer service experiences.

Check eligibility →

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Key Facts

Representative APR

6.99–35.99%

per year

Loan Amount

$2k–$50k

Term

36–60 months

Requirements

  • US citizen or permanent resident
  • Age 18+
  • Valid SSN
  • Bank account
  • Minimum credit score 600
  • Minimum annual income of $15,000
  • At least 3 years of credit history
Apply now →

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