Best Egg
Last updated July 2026 · Educational overview — not an endorsement
Relief Guardian is not a lender and does not recommend one lender over another. This page presents factual, publicly available information to help you evaluate Best Egg against other options.
Company Overview
Best Egg is an online lender offering unsecured personal installment loans commonly used for debt consolidation, home improvements, and other major expenses. Best Egg states it considers factors beyond just a credit score when reviewing applications.
Loan Products
- Unsecured personal installment loans
Typical Loan Amount
$2,000 – $50,000 (minimums vary slightly by state, e.g. Massachusetts, Ohio, and Georgia)
Loan Term
36 to 60 months
APR Range
Approximately 6.99% – 35.99% APR (fixed), per Best Egg's published rate range
Funding Timeline
Best Egg states funding can be available in as little as 24 hours after approval.
Credit Review Process
Best Egg states that checking your rate uses a soft credit check that does not affect your credit score; a hard inquiry occurs only if you proceed with a full application.
Credit profile: Fair to good credit typically considered; Best Egg states it also weighs income, debt obligations, and other factors
Potential Benefits
- No prepayment penalty, per Best Egg's disclosures
- Checking your rate does not affect your credit score
- Considers factors beyond credit score alone when reviewing applications
- A-rated with the BBB and an 'Excellent' Trustpilot rating from 12,000+ reviews
Potential Considerations
- Origination fee of approximately 0.99%–9.99% deducted from loan proceeds
- APR can run as high as 35.99% for lower-credit borrowers
- Not available to residents of a few states — confirm eligibility before applying
Frequently Asked Questions
Does Best Egg charge an origination fee?
Yes — Best Egg charges an origination fee of approximately 0.99% to 9.99% of the loan amount, deducted from your loan proceeds.
Will checking my rate affect my credit score?
No — Best Egg states that checking your rate has no impact on your credit score; a hard inquiry occurs only if you accept and proceed with a full application.
Learn More Directly From Best Egg
Always review current rates, fees, and terms on the lender's own website before applying.
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