Our Verdict
Best Egg stands out for exceptional customer service and fast funding. They consistently earn the highest satisfaction ratings we've seen across BBB (A+ rating), Trustpilot (4.5/5), and Credit Karma. If you value a smooth, stress-free borrowing experience, Best Egg delivers.
They're also more flexible than SoFi or LightStream on credit requirements (640 vs 680+), making them a solid option for borrowers with good-but-not-great credit.
Pros & Cons
✓ Pros
- Excellent customer service ratings
- Next-day funding available
- 640+ credit accepted
- $2,000 minimum (lower than most)
- Pre-qualification available
- Co-borrower option
- Secured loan option
✗ Cons
- Origination fee (up to 8.99%)
- Maximum $50,000 loan
- Shorter terms (3-5 years only)
- Not available in all states
- Higher rates than LightStream
Who Should Use Best Egg?
- Service-focused borrowers: Best customer experience in the industry
- Need fast funding: Get money as soon as next business day
- 640-679 credit scores: More flexible than premium lenders
- Smaller loans: $2,000 minimum vs $5,000 elsewhere
- Want a co-borrower: Can apply jointly to improve approval odds
Rates & Fees
- APR: 8.99% - 35.99%
- Origination Fee: 0.99% - 8.99% (deducted from loan)
- Late Fee: $15 or 5% of payment
- Prepayment Penalty: None
- Returned Payment Fee: $15
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