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  1. Best Egg Help Center
  2. I want to get a loan

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?
  • Does this affect 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?
  • Am I eligible to apply for a Best Egg 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 fees are associated with the loan?
  • What are the terms of Best Egg Loans?
  • What is the difference between interest rate and APR?
  • What is the Origination Fee?
  • 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?

About Us

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  • Contact Us
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Hear More About Us

1523 Concord Pike
Suite 201
Wilmingoton, DE 19803

* 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" on this site mean and shall 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. Loan amounts generally range from $2,000-$35,000. Offers up to $50,000 may be available for qualified customers who receive offer codes in the mail. The minimum individual annual income needed to qualify for a loan of $50,000 is $150,000. Borrowers may hold no more than two open Best Egg loans at any given time. In order to be eligible for a second Best Egg loan, your existing Best Egg loan must have been open for at least six months. Total existing Best Egg loan balances must not exceed $50,000. All loans in MA must exceed $6,000; in NM and OH must exceed $5,000; in GA must exceed $3,000. The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 5.99%-29.99%, which may include an origination fee from 0.99%–5.99%. Any origination fee on a 5-year loan will be at least 4.99% and is deducted from loan proceeds. The APR offered will depend on your credit score, income, debt payment obligations, loan amount, loan term, credit usage history and other factors, and therefore may be higher than our lowest advertised rate. Barring any unforeseen circumstances, such as borrower default or payment extensions/modifications, 3-year payment plans may have a minimum repayment period of zero months and a maximum of 36 months and 5-year payment plans may have a minimum repayment period of zero months and a maximum of 60 months. Borrowers should refer to their loan agreement for specific terms and conditions. A loan 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. Requests for the highest loan amount may result in an APR 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. Your verifiable income must support your ability to repay your loan. Upon loan funding, the timing of available funds may vary depending upon your bank's policies. 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.

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.

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