Best Egg: Personal Loan Review
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Personal Loan ReviewsBest Egg
Estimated APR
Min. Credit Score
Max. DTI 
Debt to Income Ratio
Origination Fees
Late Penalties
Prepayment Fees
Best Egg offers a quick turnaround; funding may be available as soon as the next business day. While there's no prepayment penalty, there are origination and late fees. Plus, you'll need a six-figure income to get the lowest interest rate, and Best Egg personal loans don't allow cosigners or co-borrowers.
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Fast funding Quick application process
No prepayment penalty
Fixed payments
Loan Amounts
Loan Terms
Time to Funding
Lender description Best Egg personal loans are designed to give borrowers an easy, hassle-free borrowing method to access money when they need it. Borrowers can access funds by the next business day, will have a fixed APR for the life of the loan, and won't face prepayment fees.
| Pros | Cons |
|---|---|
 Quick approval and funding within one business day |  Doesn't allow cosigners or co-borrowers |
|
No prepayment fees for paying off your loan early |
Charges origination and late fees |
|
Option to change payment date |
High income required for best interest rates |
Do you qualify This is what Best Egg looks for in qualified borrowers:| Credit history: Two years| Credit score: Minimum of 600 (FICO version 9)| Debt-to-income ratio: 40%-65% (including mortgage payments.)| Income: Minimum of $3500. Lender will accept income from employment, alimony, retirement, child support, and Social Security.| Must be a U.S. citizen
How to apply Apply online. You'll need to verify basic information like your identity, address, and income.
Footprint Best Egg is available in all states except Iowa, Vermont, West Virginia and District of Columbia.
Loan example A five-year, $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a three-year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12.