Best Egg Personal Loan Review
- Secured loans available:
Best Egg pros and cons
Like every lender,
Best Egg requirements
Before pursuing
How to get a personal loan with Best Egg
Getting a personal loan from
How Best Egg compares to other personal loan companies
Even if you believe
| Best Egg | Upstart | LightStream | |
|---|---|---|---|
| LendingTree’s rating | 3.4/5 | 4.1/5 | 3.7/5 |
| Minimum credit score | Not specified | ||
| APRs | |||
| Loan amounts | |||
| Repayment terms | months | months | [/generic-modal] |
| Origination fee | None | ||
| Funding timeline | Receive funds as soon as the next business day. | Receive funds as soon as the next business day. | Receive funds as soon as the same day you apply. |
| Bottom line | Upstart has one of the lowest minimum credit score requirements around. If you have bad credit, Upstart may be an option. However, you could be on the hook for an origination fee even higher than ’s. | ’s rates tend to be more competitive than ‘s. It also doesn’t charge any fees. However, with a minimum loan amount of , won’t make sense if you need a small loan. |
How we rated Best Egg
We evaluate personal loan lenders on more than just interest rates. Our goal is to show how accessible, affordable, transparent and supportive each lender really is.
Our categories
Every lender is scored out of 5 stars, with 5 stars being the highest rating. LendingTree loan experts determine this score using dozens of underlying data points across four weighted categories covering the full borrowing journey.
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
In some cases, our editors may apply a small adjustment (no more than 4% of the overall score) to account for factors not captured by the methodology. This could include J.D. Power customer satisfaction surveys, recent regulatory actions or features that stand out in ways our rubric doesn’t measure directly.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings.