Best Egg – Personal Loan
Best Egg specializes in fast, fixed-rate personal loans up to $50,000 with the option to use a vehicle as collateral for lower rates.
Applying does not obligate you to accept a loan offer.
Best Egg Personal Loan – 2026 Review
Best Egg is one of the most established online personal lenders in the US, originated by Cross River Bank. It offers fast funding and a unique secured loan option that lets you pledge a vehicle for better terms.
Best Egg Loan Details
Unsecured loans range from $2,000 to $50,000 with terms of 36 or 60 months. APRs run from 6.99% (with the secured-by-vehicle option) up to 35.99%. Origination fees range from 0.99% to 9.99%.
✓ Pros
- Low APR for secured option
- Fast application
- High customer satisfaction
- Pre-qualify without affecting credit
✗ Cons
- Origination fee 0.99%-9.99%
- Late fee 5% or $15
- Only 3 or 5-year terms
Loan Example
Example: $10,000 loan for 36 months at 11.99% APR with 4.99% origination fee = monthly payment of $332.14, total payable $11,957.04.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US citizen or permanent resident
- ✓ Verifiable income $50,000+ (varies by state)
- ✓ Credit score 600+
- ✓ Active US bank account
Loan Features
- Fast funding 1-3 days
- Vehicle as optional collateral
- Loans up to $50,000
- No prepayment penalty
- Pre-qualification with soft pull
Frequently Asked Questions
1-3 business days after submitting your application.
The minimum amount at Best Egg is $2,000 USD.