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Frequently Asked Questions
Answers to some of the most common questions about Best Egg products.
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Best Egg Help Center
Best Egg Personal Loans
Best Egg Personal Loans
Borrower Eligibility
Do you accept income from disability?
What if I don't receive paystubs?
Do you accept non-taxable income?
Do you accept tax exempt income?
What are the requirements to apply for a loan?
How can I add additional funds to my current loan?
See all 9 articles
Documentation
What documentation do I need to provide if I'm self-employed?
Did you receive my documents?
What documentation do you accept to verify my identity and residency?
What can I send in to verify my bank account on my application?
Will I need to submit documents to verify my information?
How do I submit documents to complete the verification step?
Loan Terms
How do I calculate daily Interest?
What is Simple Interest?
What are the terms of Best Egg Personal Loans?
What's the difference between the loan interest rate and APR?
Are there any fees associated with the loan?
What is the origination fee?-Loan Terms
See all 7 articles
Application Process: Getting Started
Can I use my loan to pay off collections?
How do I cancel an application in progress?
What are alphanumeric characters?
How do I return to my application?
What information will I need to apply for a Best Egg Loan?
How do I start a loan application?
See all 11 articles
Application Process: Loan Terms & Disclosures
What is an origination fee?
What is a TILA?
What does it mean to be pre-approved or pre-selected for a personal loan?
Application Process: Verification Requirements (Employment, Credit, & Documentation)
What is the impact of a loan on my credit score?
My credit bureau is locked/frozen; how do I unlock it?
How can I verify my employment?
Will you contact my employer?
What does it mean to re-decision my loan?
I uploaded my documents. What is the status of my loan?
See all 7 articles
Application Process: Offer Codes & Special Promotions
When will I get my gift card?
Do I have a better chance of being approved if I have an offer code?
Do I need an offer code to apply for a loan?
Where do I enter my offer code?
Application Process: Funding & First Payment
When will I receive the funds from my loan?
How will I know when my first payment is due?
How can I pay back my loan?
What should I expect once my loan is approved?
Can you deposit the funds into my savings account?
How do I get the money?
See all 8 articles
Credit Bureau Reporting
Where do I send written disputes or correspondence?
Can I request a goodwill adjustment to my credit report?
How do you report to the credit bureaus?
Which credit bureaus do you report to?
When will Best Egg report my account to the credit bureaus?
How can I dispute errors I’ve found on my credit report?
See all 7 articles
Direct Pay
What is Direct Pay?
How does Direct Pay work?
Can I pay off a Home Equity, Mortgage, or Car Note with Direct Pay?
Am I able to use Direct Pay to pay an existing Best Egg Loan?
How many cards and personal loans can I add for Direct Pay?
Will I be able to use Direct Pay to pay off credit cards and personal loans?
See all 16 articles
My Account: Accessing & Managing Your Online Account
How can I toggle between my loans?
How do I log in and manage my personal loan account?
How do I update my contact information?
Why can’t I access my online account?
How do I recover my username or password?
How do I update account information?
See all 7 articles
My Account: Loan Management & Account Changes
Can I lower my APR?
What happens after I pay my loan off?
When is my loan due date?
Can I combine my two loans to make one single monthly payment?
How can I get a payoff quote for my loan?
My Account: Loan Documents & Statements
How do I request a verification of mortgage or loan?
How do I retrieve my loan agreement?
Can I get my loan documents mailed to me?
Why did you stop mailing documents?
Why can’t I get a copy of my documents mailed to me?
How can I receive a copy of my documents?
See all 9 articles
My Account: Life Events & Special Circumstances
How do I report a death or file a claim?
Why do I need to contact you when a Best Egg customer has passed away?
How should I inform you that a customer has passed away?
Debt Settlement Alternatives
What are alternatives to debt settlement?
How do I choose the right debt relief strategy?
What is Debt Relief?
Negotiating Directly with Creditors
Refinance Loans
Increasing Income or Reducing Expenses
See all 11 articles
Debt Settlement Education
What is Debt Settlement?
How Does Debt Settlement Work?
Working with Best Egg Versus a Debt Settlement Company
What are the pros and cons of debt settlement?
What should I consider before pursuing debt settlement?
Who Should Consider Debt Settlement?
See all 9 articles
Experiencing Hardship
Can I pause my loan payments?
Do you offer payment assistance?
Can I get a payment extension?
Experiencing Financial Hardship
Payments: Troubleshooting
I overpaid my loan; how do I request a refund?
What if my loan payment hasn’t posted?
What happens if I overpay my balance?
What should I do if I can't make my payment?
What happens if I overpay?
What if I didn’t authorize a payment?
See all 10 articles
Payments: Guidelines & Important Information
Can I set up bi-weekly payments for my loan?
How can I view my payment history?
How can I view my payment activity?
Does Best Egg offer a grace period for payments?
Do you accept income from disability?
Where can I find the Amount Due on my loan?
See all 8 articles
Payments: Auto Pay Management
What happens if I make a payment before my due date while on auto pay?
What is auto pay?
What are the benefits of auto pay?
What is auto pay and why should I enroll in it?
How do I set up auto pay?
What if I am on auto pay and make a payment before my due date?
See all 8 articles
Payments: Methods & Making Payments
Can I choose how much I'd like to pay?
How can I change or edit my loan payment method?
How do I change my loan due date?
How do I make payment on my loan?
Can I change my loan due date?
Can I make additional payments on my loan?
See all 9 articles
Payment Pathways
Can I opt-out of payment pathways after I enroll?
What if I need to change my bank linked to my auto pay?
Can I change my due date and remain in my Payment Pathway?
Can I enroll in a payment assistance program and stay enrolled in a Payment Pathway?
Will there be an additional TILA or Amortization Schedule if I opt into a Payment Pathway?
How will I know if I’m enrolled in a Payment Pathway?
See all 9 articles
Servicemembers Civil Relief Act (SCRA) – Personal Loan
How do I request SCRA benefits from Best Egg?
What benefits will someone receive on their Best Egg loan?
Who is eligible for SCRA benefits with Best Egg?
What is the Servicemembers Civil Relief Act (SCRA)?
Refinance FAQs
Can I get another loan or refinance my current loan?
Can I get another loan or refinance my existing loan?
Who is eligible for loan refinancing?
How long does it take for my refinanced loan to show as paid off on my credit report?
Do I continue to make payments on my first loan?
How will the refinanced loan show on my credit report?
See all 11 articles
Refer a Friend General FAQ
What gift cards can I choose?
Refer a Friend Referrer FAQs
Why isn’t my Refer a Friend link working?
Who can I refer for the Refer a Friend offer?
What is the status of my referral?
Why haven’t I received my gift card?
Where can I find my Refer a Friend link?
Refer a Friend Referee FAQs
Why isn’t my referral link working?
When will I get my gift card?
Will Best Egg tell my friend if I’m approved for my loan?
How do I earn a reward through the Refer a Friend program?
Power of Attorney FAQs – Loan
What requirements are needed for a valid Power of Attorney?
What is a Power of Attorney?
What powers does a Power of Attorney have?
How can I add Power of Attorney to my account?
Safety and Security
How can I request my information be deleted?
How do I unsubscribe from marketing emails?
How do you make sure my information is secure?