Best Egg

The Best Egg Mobile App lets you manage your Best Egg personal loan accounts from anywhere. Easily and securely make your monthly payments, monitor your credit score, and apply for your next Best Egg loan — all from your fingertips, whenever you need to.

Best Egg Personal Loans

Eligibility is not guaranteed. The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. If offered, your loan agreement will contain specific terms and conditions.

The timing of available funds upon loan approval may vary depending upon your bank’s policies. After successful verification, your money can be deposited in your bank account within 1-3 business days.

Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4 years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. Eligibility for the best available rate subject to creditworthiness. For example: a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81; a 3-year $5,000 loan with 6.99% APR has 36 scheduled monthly payments of $152.83. Best Egg loans can be pre-paid at any time without penalty. Barring any unforeseen circumstances, Best Egg loans have a minimum term of 36 months and a maximum term of 60 months.

Loan amounts range from $2,000–$50,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000.

Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories.

Best Egg Vehicle Equity Loan Terms

Annual Percentage Rates (APRs) range from 10.49%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 4.49%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. Eligibility for the best available rate subject to creditworthiness. For example: a 7 year $10,000 loan with 11.99% APR has 84 scheduled monthly payments of $165.03, and a 3 year $5,000 loan with 10.99% APR has 36 scheduled monthly payments of $156.31. Best Egg loans can be repaid at any time without penalty. Barring any unforeseen circumstances, Best Egg loans have a minimum term of 24 months and a maximum term of 84 months.

Loan amounts range from $5,000– $100,000. Residents of Ohio have a minimum loan amount of $5,001. Only two active Best Egg loans are available at one time and your total existing Best Egg loan balances cannot exceed $100,000.

Best Egg Vehicle Equity Loans are not available in all states.
The Best Egg Vehicle Equity Loan is a personal loan secured using a lien against your vehicle. If you choose to accept an offer, Best Egg will file a lien against your vehicle in your local jurisdiction and will only release the lien once your loan(s) is repaid in full. We value the car based on wholesale value.

Best Egg loans are personal loans made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC, Equal Housing Lender, or Column N.A., Member FDIC, Equal Housing Lender.

Recent changes:
We’ve made several improvements to keep your Best Egg Personal Finance app running smoothly and feeling great:

Enhanced app performance and stability through behind-the-scenes architecture updates

Paperless Enrollment - Complete enrollment steps digitally without paper forms.

Login & Biometric - Improvements Faster and more reliable Face ID and Touch ID authentication.

Cleaned up older features and made minor UI and performance tweaks throughout the app