Best Egg is an online platform for fixed-rate personal loans. Cross River Bank or Column N.A. makes the loans. Marlette Funding, LLC is the service provider for those banks.
Best Egg’s licenses page lists Marlette Marketing, LLC at NMLS ID 1849194.
The personal-loan page names debt consolidation, home improvements, and major purchases as uses. The applicant submits employment and income details, and Best Egg can show offers in minutes.
Checking a rate does not change the credit score. Accepting an offer can add a hard inquiry.
As of October 2026, the stated APR for a qualified applicant runs from 6.99% to 35.99%.
At a glance
- Lender: Cross River Bank or Column N.A. Marlette Funding, LLC is the service provider.
- Loan amount: Generally $2,000 to $50,000. The loan-type page lists secured loans up to $100,000.
- APR range: 6.99% to 35.99% for qualified applicants.
- Origination fee: 0.99% to 9.99% on unsecured loans, and 1.49% to 9.99% on secured loans.
- Repayment term: The loan-type page lists 3 to 5 years for unsecured loans and 2 to 7 years for secured loans.
- Availability: Not offered in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. territories.
Secured personal loan mechanism
A Best Egg secured loan uses fixtures attached to the home as collateral. Built-in cabinets, vanities, and light fixtures are the examples Best Egg gives. An unsecured Best Egg loan does not take collateral.
Those fixtures are subject to a UCC-1 lien filed with the county. The home itself is not collateral. Items that are not attached, including televisions, dishwashers, and laundry units, are not collateral either.
The borrower keeps the home. The lien is on the fixtures. Best Egg states that secured loans typically carry lower rates than its unsecured loans because of that lien.
Its loan-type page lists secured loans up to $100,000 with terms of 2 to 7 years. It lists unsecured loans up to $50,000 with terms of 3 to 5 years.
If the loan is not repaid, Best Egg’s secured-loan page says the lender may sell the collateral. On this product, that collateral is the fixtures. A home equity line of credit uses the house. This lien does not use the house.
Loan Stacking and Multiple Accounts
A borrower can hold two open Best Egg loans at the same time. After the first loan is funded, Best Egg requires a positive payment history before a second loan. The first loan also has to be in good standing.
Best Egg’s second-loan article, updated November 25, 2025, says the combined balances cannot exceed $100,000. Credit and the new application still count toward a second loan, a refinance, or extra funds. The second loan is a separate balance under that combined cap.
A single secured loan is listed up to $100,000. The combined cap on two open loans is also $100,000.
Costs, Fees, and Settlement
Best Egg charges a fixed interest rate plus a one-time origination fee. Qualified applicants see APRs from 6.99% to 35.99%.
Best Egg’s cost article was updated on February 13, 2026. It sets the origination fee at 0.99% to 9.99% for unsecured loans. The fee on home secured loans is 1.49% to 9.99%.
For an unsecured loan with a five-year term, that article says the fee will be at least 4.99%.
The fee can come out of the proceeds, or it can be added to the amount owed.
On a $10,000 loan with a 4.99% fee, the fee is $499. If Best Egg deducts it, the bank deposit is $9,501.
If the fee is added to the balance, the deposit is the full $10,000. The amount owed then includes the $499.
Best Egg personal loans have no prepayment penalty. Paying the balance early can reduce the interest left on the loan.
A help article updated December 9, 2025 says Best Egg does not charge late fees on loan payments. The same article says Best Egg does not offer a grace period. A due date can move later, not earlier.
The personal-loan page says funding can arrive in as little as 24 hours. The secured-loan page says a deposit can take as little as one business day after verification.
The secured-loan page also says funds usually arrive a few days after acceptance. The deposit goes to the borrower’s bank account.
Eligibility and Constraints
An applicant has to be a U.S. citizen or a permanent resident living in the United States. The applicant also has to be of legal age in that state.
The application asks for a Social Security number, a personal checking account with a routing number, an email address, and a physical address. A PO Box does not qualify.
Best Egg’s requirements article, updated December 4, 2025, says loans are not available in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. territories.
Those rules let someone apply. They do not approve the loan. Best Egg also weighs income, existing debt, payment history, and the credit report.
A help article updated November 18, 2025 says the amount can depend on credit score and debt-to-income ratio. That article does not list a minimum score. It states a general range of $2,000 to $50,000, with higher floors in three states.
Massachusetts loans must exceed $6,500. Ohio loans must exceed $5,000. Georgia loans must exceed $3,000.
The loan-type page lists terms of 3 to 5 years for unsecured loans and 2 to 7 years for secured loans. A separate help article, also updated November 18, 2025, says the term varies by loan from 24 to 72 months. Those two pages do not state the same maximum term.
The secured application may ask for a photo ID or proof of income. Meeting the application list does not mean Best Egg will fund the loan.
See also: LendingPoint Review, Upgrade Review, Personal Loan Comparison
