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Best Egg Help Center
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I want to get a loan

Application Process

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?

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Borrower Eligibility

Can I get another loan or refinance my current loan?
What are the requirements to apply for a loan?
Why do I need an email address?
Can I be approved for more money than I requested?
How did you get my information to send me this pre-approval letter?

Loan Terms

What is the Origination Fee?
What are the terms of Best Egg Loans?
What is the difference between the interest rate and APR?
Are there any fees associated with the loan?
Is this a simple interest or compound interest loan?

Verifications

Will I need to submit documentation to verify my application information?
How do I submit my documentation to complete the verification step?
What documentation do Best Egg applicants typically need to provide during the application process?

Safety and Security

How do you make sure my information is secure?
Does Best Egg give my personal information to anyone?

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1523 Concord Pike
Suite 201
Wilmington, DE 19803

† 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.

* By entering your email address, you are opting in to receive updates, notifications and special offers from Best Egg and its affiliates, agents, service providers or assignees (and any of its assignee’s affiliates, agents or service providers) and, with your consent, one or more lending partners. This email address will also be used to log into your application.

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.