View OfferSecure site · Updated July 2026
- APR range
- 6.99%–35.99%
- Loan amount
- $2K–$50K
- Min. credit score
- 640
- Funding time
- Next business day
Why it stands out
Best Egg highlights
- Secured loan option using home fixtures as collateral
- Funding as soon as the next business day
- Direct pay to creditors on consolidation loans
- Pre-qualify with a soft credit check
The verdict at a glance
Pros and cons
Pros
- Approves scores in the mid-600s and sometimes lower
- Secured route can drop your APR meaningfully
- Straightforward online application and quick decisions
Cons
- Origination fee of 0.99%–9.99% on every loan
- Loan amounts top out at $50,000
Our full review
Our take on Best Egg
Best Egg funds fast and offers a secured loan backed by your home fixtures, which can unlock a lower rate when your score falls short. Expect an origination fee that eats into what actually lands in your account.
Advertiser disclosure: Finmatchly may earn a commission when you visit a partner. This never affects our editorial rankings. Learn more
Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Best Egg’s own site before you apply.
The alternatives
How Best Egg compares
Other top-rated lenders in Personal Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | APR range | Best for | |
|---|---|---|---|---|---|
| 1 | SoFi | 8.99%–29.49% | Strong-credit borrowers who want extras | See Rates | |
| 2 | LightStream | 7.49%–25.99% | Excellent-credit borrowers chasing low APR | See Rates | |
| 3 | Marcus by Goldman Sachs | 9.99%–24.99% | Consolidating debt without any fees | View Offer | |
| 4 | Upstart | 7.80%–35.99% | Thin or fair credit files | See Rates |
- SoFi4.9Best for Strong-credit borrowers who want extras
- LightStream4.8Best for Excellent-credit borrowers chasing low APR
- Marcus by Goldman Sachs4.6Best for Consolidating debt without any fees
- Upstart4.4Best for Thin or fair credit files