Lender Overview

Best Egg: What You Should Know Before Applying

Fundslender is not affiliated with Best Egg or Marlette Funding. This page is an independent overview based on publicly available information.

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We are not a lender. Fundslender connects users with third-party lenders. We may receive compensation for referrals. No approval is guaranteed. Rates and terms vary based on your creditworthiness and lender criteria. This is not financial advice.

About Best Egg

Best Egg is an online personal loan platform operated by Marlette Funding, based in Wilmington, Delaware. It offers unsecured personal loans and also introduced secured loan options in recent years for borrowers who can use home fixtures or other assets as collateral.

Best Egg targets borrowers for debt consolidation, home improvement, medical expenses, and major purchases. Loan decisions are made quickly online, typically within minutes.

Typical Loan Characteristics

Best Egg personal loan overview
FeatureTypical Range
Loan amounts$2,000 to $50,000
APR rangeApproximately 8.99% to 35.99%
Loan terms36 to 60 months
Minimum creditAround 600 to 640 FICO
Origination fee0.99% to 8.99%
Secured optionYes, home fixture secured loans available

Figures are based on publicly available information as of early 2026 and may have changed. Verify current terms directly with Best Egg before applying.

Key Considerations

  • Best Egg's secured loan product uses home fixtures (like built-in appliances and fittings) as collateral, not the home itself, but this is still a form of secured debt and consequences of default should be understood.
  • Best Egg allows soft credit pre-qualification to check rates without impacting your credit score.
  • Origination fees vary by profile. Ensure you account for the fee when comparing total loan costs.
  • Payments can be managed through an online account portal.

Frequently Asked Questions

No. Fundslender is an independent loan matching service and is not affiliated with, endorsed by, or a partner of Best Egg. This page is an independent research resource.
Best Egg generally requires a minimum FICO score of around 600 to 640. Lower scores may qualify but will typically result in higher interest rates. Best Egg also considers income and debt-to-income ratio.
Yes, Best Egg charges an origination fee typically ranging from 0.99% to 8.99% of the loan amount, deducted from loan proceeds. The fee depends on your credit profile and loan term.
Best Egg is a brand of Marlette Funding. Loans are originated through Cross River Bank or Blue Ridge Bank. The Best Egg brand handles the customer experience while bank partners originate the actual loans.
Secure & Confidential Your information is handled securely and only shared for the purpose of connecting you with relevant lenders.
No Obligation Exploring your options doesn't commit you to anything. You are free to decide what is right for your situation.
Fully Transparent We are a matching service, not a lender. We may receive compensation from partners, this is clearly disclosed.