Best Egg review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

This US marketplace lender suits borrowers with fair credit who want a fixed-rate personal loan and a soft check before committing. It offers $2,000 to $50,000 at 6.99% to 35.99%, funds in as little as a day, and takes 0.99% to 9.99% of the loan amount out of the proceeds before payout.

Key facts

Best for
US adults with fair credit wanting a fixed-rate personal loan with a soft prequalification check.
APR
6.99% to 35.99% (Source, checked September 26, 2026)
Loan amount
$2,000 to $50,000 (Source, checked September 26, 2026)
Term
36 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0.99% - 9.99% of the loan amount, deducted from loan proceeds; at least 4.99% for terms of 4 years or longer (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Funding in as little as 24 hours; about half of customers get their money the next day (Source, checked September 26, 2026)
Representative example
A 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Be a U.S. citizen or permanent resident living in the U.S., of legal age in the state of residence, with a valid SSN, verifiable personal checking account, valid email and a physical address (no PO boxes) (Source, checked September 26, 2026)
Origination fee (%)
0.99% to 9.99% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Secured, Car (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Marlette Marketing, LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
bestegg.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
TrustpilotLinkedInXyoutube.com

Pros and cons

Pros

  • Fixed-rate loans at 6.99% to 35.99% over 36 to 60, so repayments hold steady
  • Soft prequalification, so seeing offers does not commit you to a hard credit search
  • Arrangement fee of 0.99% to 9.99% deducted from the loan proceeds rather than billed later

Cons

  • Being a marketplace, offers come from partner lenders, so the contract and terms sit with the lender
  • The arrangement fee of 0.99% to 9.99% is taken from the proceeds, so the sum that lands is smaller than requested
  • Support runs on phone, email and help centre only

Ready to try Best Egg?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • US borrowers with fair credit who want a fixed-rate personal loan
  • Anyone consolidating debt or funding home improvement, both listed uses
  • Borrowers who want to see offers before a hard credit check

Who should look elsewhere

  • Anyone outside the US, since eligibility is limited to US citizens and permanent residents
  • Monzo Flex users, who face 10% to 23% with no arrangement fee taken from proceeds
  • Cashspace users after a rate of PHP 12 to PHP 36

Safety and regulation

The platform matches borrowers with partner lenders, so the contract sits with the lender rather than the site. Licensing covers the Oregon Division of Financial Regulation consumer finance licence, NMLS Consumer Access for Marlette Servicing, the New Mexico Financial Institutions Division, the Texas Department of Banking regulated lender licence and the Pennsylvania Department of Financial Services credit services loan broker licence. The representative example shows scheduled monthly payments on a fixed-rate loan.

Who runs it

The platform runs as Marlette Marketing, LLC, based in the United States, and works as a marketplace. Support runs on phone, email and help centre, so help comes by phone, email or the help centre. Personal, debt consolidation, secured and car lending are all listed, with home improvement named as a use case.

How Best Egg compares

Where Best Egg is available

Available
United States
Licence in United States
Oregon Division of Financial Regulation (Consumer Finance License) (1849194), checked September 26, 2026
Licence in United States
NMLS (NMLS Consumer Access) - Marlette Servicing, LLC (1849345), checked September 26, 2026
Licence in United States
New Mexico Regulation and Licensing Department, Financial Institutions Division (02389), checked September 26, 2026
Licence in United States
Texas Department of Banking (Regulated Lender License) (2500079382-173814), checked September 26, 2026
Licence in United States
Pennsylvania Department of Financial Services (Credit Services Loan Broker) (113535), checked September 26, 2026
Licence in United States
FDIC (member bank for loans made by Cross River Bank and Column N.A.), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does this lender charge?+

Rates run 6.99% to 35.99% across the marketplace, with the rate you see set by the partner lender and your credit profile. The published range covers both the cheapest and the dearest offers the marketplace passes on.

How much can I borrow?+

Loans run $2,000 to $50,000, and the actual amount depends on your income, credit history and the limits of the partner lender you are matched with. Home improvement is a named use case, so renovation borrowing fits the range.

Does checking offers hurt my credit?+

Checking uses a soft prequalification, so seeing offers does not count as a hard enquiry on your credit file. A hard credit check comes later, when you accept a specific offer and apply with the partner lender. The stated credit requirement is fair.

What fees are deducted?+

An arrangement fee of 0.99% to 9.99% of the loan amount is taken off the sum that reaches your account, so a request for $2,000 to $50,000 pays out less than the headline figure. Longer terms carry the higher end of that range.

Is it regulated?+

Yes. Licensing runs through the Oregon Division of Financial Regulation consumer finance licence, NMLS Consumer Access for Marlette Servicing, the New Mexico Financial Institutions Division, the Texas Department of Banking regulated lender licence and the Pennsylvania Department of Financial Services credit services loan broker licence.

What credit do I need?+

The stated credit needed is fair, which suits a middle range credit file. Because offers come from partner lenders through a marketplace, each lender sets its own criteria and some expect stronger credit than others.

Can I repay a loan early?+

Early repayment is free, so you can clear the balance ahead of schedule without a charge. Loans are fixed-rate over 36 to 60, so paying down sooner cuts the total interest rather than changing your rate.

What can I use the loan for?+

Personal borrowing, debt consolidation, secured loans and car finance are all listed loan types, with home improvement named as a use case. Fixed rates over 36 to 60 suit a project where you want the monthly payment held steady.

Sources

  • support.bestegg.com/hc/en-us/articles/360020629712-What-a... checked September 26, 2026

    Backs: Eligibility

    “Be a U.S. citizen currently living in the U.S., or a permanent resident currently living in the U.S. Be of legal age to accept a loan in the state in which they reside”

  • bestegg.com checked September 26, 2026

    Backs: Credit check, Features

    “The rate check uses a soft credit inquiry, which does not impact your credit. If you choose to accept a loan and move forward, a hard credit inquiry may be required at that point.”

  • bestegg.com/about-us checked September 26, 2026

    Backs: Headquarters

    “Headquartered in Wilmington, DE”

  • bestegg.com/contact-us checked September 26, 2026

    Backs: Loan types, Support channels

    “Best Egg offers secured and unsecured personal loans”

  • bestegg.com/licenses checked September 26, 2026

    Backs: Licences

  • bestegg.com/personal-loans checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Free early repayment, Funding time, Legal entity, Lender type, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Loan amounts range from $2,000-$50,000.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Best Egg

US adults with fair credit wanting a fixed-rate personal loan with a soft prequalification check.

8.8/10See alternatives

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