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What information do you look at to decide if I qualify for a Best Egg loan?
What does it mean to be pre-approved?
Will checking my rates impact my credit score?
What information will I need to apply for a Best Egg Loan?
How do I start an application?
How much can I borrow?
How long does it take to fund my loan? How do I get the money?
What costs will I pay if I take this loan?
Can I get a joint Best Egg loan?
What is the difference between individual and household income?

Can I get a joint Best Egg loan?

April 09, 2020 17:20
Updated

At this time, only individual Best Egg loans are available.

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What is the difference between individual and household income?
What costs will I pay if I take this loan?
What information do you look at to decide if I qualify for a Best Egg loan?
How much can I borrow?
How long does it take to fund my loan? How do I get the money?

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† Annual Percentage Rates (APRs) range from 5.99%–29.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–5.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO^® score and a minimum individual annual income of $100,000 to qualify for our lowest rate. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 5.99% APR has 36 scheduled monthly payments of $150.57.

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Best Egg loans are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Equal Housing Lender. “Best Egg” is a trademark of Marlette Funding, LLC. All uses of “Best Egg” refer to “the Best Egg personal loan” and/or “Best Egg on behalf of Cross River Bank, as originator of the Best Egg personal loan,” as applicable. The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. If offered, your loan agreement will contain specific terms and conditions. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000–$35,000. Residents of Massachusetts have a minimum loan amount of $6,500; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $50,000.

Barring any unforeseen circumstances, 3-year payment plans may have a minimum repayment period of 0 months and a maximum of 36 months and 5-year payment plans may have a minimum repayment period of 0 months and a maximum of 60 months.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

‡ Marlette Funding, LLC is the parent company to the following subsidiaries: Marlette Servicing, LLC and Marlette Marketing, LLC. © 2020 Marlette Funding, LLC. All rights reserved.