Access our lowest rates available

† Annual Percentage Rates (APRs) range from 5.99%–29.91%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% 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. Eligibility for the best available rate subject to creditworthiness. For example: A 5-year secured loan of $20,000 with an APR of 9.99% has 60 scheduled monthly payments of $412.16, and a 3-year secured loan of $12,500 with an APR of 15.99% has 36 scheduled monthly payments of $ 426.25.

About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days.

Best Egg loans are personal loans made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Secured Loan is originated exclusively by Cross River Bank.

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 $5,000–$50,000. Residents of Massachusetts have a minimum loan amount of $6,500; and Ohio, $5,001. The Best Egg Secured Loan + Homeowner Discount is not available if you live in Connecticut, Iowa, Louisiana, Vermont, West Virginia, the District of Columbia, or U.S. Territories. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000.

Best Egg loans can be pre-paid at any time without penalty. Barring any unforeseen circumstances, Best Egg loans have a minimum term of 36 months and a maximum term of 84 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. What this means for you: 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. We may also ask to see your driver’s license or other identifying documents.

*The Best Egg Secured Loan is a personal loan secured using a lien against fixtures permanently attached to your home such as built-in cabinets, light fixtures, and bathroom vanities. Rest assured, your home itself will not be used as collateral.

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