Personal loan review
Loans issued by Best Egg's bank partners
Best Egg personal loans
Best for: Homeowners who want a lower rate
Best Egg offers unsecured loans plus a secured option for homeowners that uses fixed home fixtures — not the home itself — as collateral, which can lower your rate. Checking your rate is a soft pull, and funding can happen in as little as 24 hours.
- Soft-pull rate check
- Secured option
Terms last reviewed October 23, 2026
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Best Egg at a glance
- APR range
- 8.99%–35.99%Unsecured loans. Secured loans: 5.99%–29.99%
- Loan amounts
- $2,000–$50,000
- Repayment terms
- 3–7 yearsUnsecured 36–60 months; secured up to 84 months
- Origination fee
- 0.99%–8.99%Deducted from loan proceeds
- AutoPay discount
- None advertised
- Credit needed
- Fair to goodNo published minimum; other factors are considered
- Time to funding
- As little as 24 hours
- Soft-pull rate check
- Yes
- Joint applications
- Check with lender
- Pays creditors directly
- Check with lender
- Secured loan option
- Yes
Pros and cons
Pros
- Secured option for homeowners can lower your APR
- Soft-pull rate check
- Funding in as little as 24 hours
Cons
- Origination fee on every loan
- High maximum APR on unsecured loans
- Secured loans only for homeowners
What a $10,000 loan could cost
Your rate depends on your credit and finances. Here's the range of monthly payments at Best Egg's lowest and highest advertised APRs, before any origination fee.
| Term | At 8.99% APR | At 35.99% APR |
|---|---|---|
| 36 months | $318/mo $1,446 total interest | $458/mo $6,487 total interest |
| 60 months | $208/mo $2,452 total interest | $361/mo $11,676 total interest |
Requirements
- Fair credit or better
- Verifiable income
- Secured loans: must own your home
How to apply
- Check your credit report and score so you know which rates are realistic.
- Check your rate on Best Egg's site — it's a soft pull, so it won't affect your score.
- Compare the offer with at least two other lenders on APR and total cost.
- Submit the full application with proof of income and identity.
- Review the final loan agreement, then sign and receive your funds — as little as 24 hours.
Featured in
- Best Personal Loans of 2026 — Best for homeowners
- Best Debt Consolidation Loans of 2026 — Best for homeowners
Frequently asked questions
Does Best Egg do a hard credit check?
Checking your rate with Best Egg uses a soft credit inquiry, which doesn't affect your score. A hard inquiry happens when you formally apply.
How fast does Best Egg fund loans?
As little as 24 hours, once your loan is approved and verified. Timing also depends on your bank.
What credit score do you need for Best Egg?
No published minimum; other factors are considered. Lenders also look at your income, existing debts and credit history, so there's no guaranteed approval score.
Does Best Egg charge an origination fee?
Yes — 0.99%–8.99% of the loan amount. Deducted from loan proceeds
How we compare lenders
Our methodology
We review each lender's published terms and compare them on the four things that matter most to borrowers. Rankings are editorial: partners can't pay for a better position, and any sponsored link is labelled. Lender terms change often, so we show the date each lender was last reviewed.
Cost
Published APR range, origination and other fees, and any AutoPay or Direct Pay discounts.
Flexibility
Loan amounts and term lengths, and whether secured or joint options are available.
Access
Which credit profiles a lender serves, and whether you can check your rate with a soft pull.
Speed & service
How quickly funds arrive after approval, and borrower-friendly features like paying creditors directly.
Rates, fees and terms are as published by Best Egg and were last reviewed on October 23, 2026. They can change at any time, may vary by state, and your offer depends on your credit profile. Confirm current details with Best Egg before applying. This review is general information, not financial advice.
Alternatives
Other lenders to compare
LightStream
Excellent credit and no fees
- APR
- 7.24%–24.89%
- Amount
- $5,000–$100,000
SoFi
Large loans and fast funding
- APR
- 6.99%–35.49%
- Amount
- $5,000–$100,000
PenFed Credit Union
Low maximum APR and small loans
- APR
- 6.74%–17.99%
- Amount
- $600–$50,000