⭐ Editor's Choice — Top Rated Pick
Best Egg Personal Loans
📍 Available in: US
★★★★★ 4.7 / 5.0
Best Egg is an established online lending platform originating loans through Cross River Bank. Best Egg stands out by offering both unsecured personal loans and a unique secured personal loan option that uses permanent home fixtures (like bathroom/kitchen cabinets) as collateral to unlock significantly lower interest rates for homeowners with fair credit.
Key Facts at a Glance
| APR / Rate | 8.99% - 35.99% APR |
| Coverage / Loan Limit | $2,000 - $50,000 |
| Credit / Eligibility | Fair to Excellent (600+ FICO) |
| Terms Available | 36 to 60 Months |
| Origination Fee | 0.99% - 8.99% |
Pros & Cons
✓ Pros
- ✓Secured personal loan option allows borrowers to secure lower APRs
- ✓Direct payoff to creditors available for seamless debt consolidation
- ✓Consistently high customer service and borrower satisfaction scores
✕ Cons
- ✕Origination fee applies on all loans
- ✕Requires a minimum verifiable personal income of at least $50,000
- ✕Strict debt-to-income limits for unsecured borrowing
Key Features
Unique Secured Loan OptionDirect Pay to CreditorsFast Funding within 1-3 Business DaysSoft Credit Pull for QuotesA+ Better Business Bureau Rating
Compare Best Egg Personal Loans Side-by-Side
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