At a Glance
Rates & Fees
Key Features
Very fast funding — often next business day
Secured loan option with lower rate
Simple application process
Pros & Cons
Pros
- Fast funding
- Secured option to reduce rate
- Accessible to 600+ credit scores
Tradeoffs
- Origination fee required
- Shorter max term (5 years)
- Higher APRs for lower scores
How to Apply
Check whether Best Egg offers prequalification and whether it uses a soft or hard credit inquiry before submitting personal information. A full loan application may affect your credit score.
Compare the estimated APR, term, and monthly payment against at least one other lender before committing.
Gather proof of income, identification, and bank account details for the formal application.
Submit the full application directly on Best Egg's site; approval typically requires a hard credit inquiry.
If approved, review the final loan agreement for the origination fee and funding time (as soon as 1 business day) before signing.
How It Compares
Current product highlighted| Product | APR Range | Loan Amount | Origination Fee |
|---|---|---|---|
| Best Egg Personal Loan | 6.99%–35.99% | $2,000–$50,000 | 0.99–8.99% |
| Citi Personal Loan | 9.99%–17.49% | $2,000–$30,000 | None |
| LightStream Personal Loan | 7.24%–24.89% | $5,000–$100,000 | None |
| SoFi Personal Loan | 6.99%–35.49% | $5,000–$100,000 | None (optional fee for lower rate) |
Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, income, and loan amount — always confirm current terms directly with the lender.