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Best Egg review 2026: rates, fees and who it may suit

By Tora Mari Editorial Team · Terms checked October 2026

Large amounts, a dedicated home improvement loan page, and no prepayment penalty.

Debt consolidation: 2.0 out of 5, ranked 6 of 6. Personal loan, fair credit: 1.6 out of 5, ranked 4 of 6. Home improvement: 2.2 out of 5, ranked 5 of 6.

Go to Best Egg

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Best Egg at a glance

APR
6.99% to 35.99%
Loan amounts
$2,000 to $50,000
Terms
36 to 60 months
Origination fee
Up to 9.99%
Funding
As soon as 1 business day

What we like

  • You can check your rate with a soft credit check
  • No prepayment penalty
  • Says funds can arrive in 1 business day

Worth knowing

  • Origination fee of up to 9.99%, usually taken out of the loan
  • Rates can reach 35.99% APR
  • Origination fee runs 0.99% to 9.99%, and is at least 4.99% for terms of 4 years or longer. State minimums apply.

Who Best Egg may suit

Based on what its page states, it may suit larger projects or balances; people who need funds quickly. It may not suit you if your offer comes back with a high rate or fee, so compare before you decide.

Our score by loan type

Scores come from the terms the lender publishes, using one public formula. Payouts never change a score. A fact a page does not state earns no points, which does not mean the lender lacks it. See how we rate lenders.

Best Egg FAQs

Does Best Egg charge an origination fee?

Best Egg's page states a fee of up to 9.99%, usually taken out of the loan before you receive it.

Can I check my Best Egg rate without hurting my credit?

Best Egg's page says checking your rate does not affect your credit score. A hard inquiry usually applies if you accept an offer and complete the application.

How fast does Best Egg fund a loan?

Best Egg's page says funds can arrive as soon as 1 business day, depending on approval and verification. Your bank may add time.

Does Best Egg have a prepayment penalty?

Best Egg's page says there is no prepayment penalty.

What credit score do I need for Best Egg?

Best Egg did not state a minimum credit score on the page we checked. Check your rate with a soft check to see where you stand.

How we reviewed Best Egg

We read the lender's own public pages (bestegg.com/personal-loans) on October 2026 and recorded only what they state. Rates, approval and terms are set by the lender and vary by applicant. We re-check lenders at least every 90 days.

Advertising disclosure: Tora Mari is paid by some partners when visitors click through or apply, and some lenders we rate are partners. Scores and order come from our published method and are not changed by what a lender pays us. It does not change what you pay. Read the full disclosure.

Borrowing costs money. Late payments may harm your credit score. Only borrow what you can afford to repay.

This content is for general education only and is not financial, legal or tax advice.