Best Egg personal loans: APR, fees and requirements

What Best Egg publishes about its personal loans (6.99% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.

Lender type	Online lender
APR range	6.99% to 35.99%
Loan amounts	$2,000 to $50,000
Repayment terms	36 to 60 months
Origination fee	0.99%-9.99%
Minimum credit score	Not published
Funding time	Funding in as little as 24 hours
Availability	Not available in Iowa, Nebraska, Vermont, West Virginia, the District of Columbia or U.S. Territories. State minimums: Massachusetts $6,500; Ohio $5,001; Georgia $3,001. Total existing Best Egg balances for a second loan cannot exceed $100,000.

How the lender states its rates: “Annual Percentage Rates (APRs) range from 6.99% to 35.99%. The APR ... reflects both your interest rate and an origination fee of 0.99% to 9.99% of your loan amount ... The origination fee on a loan term 4 years or longer will be at least 4.99%.”

How the starting rate compares

The lowest advertised APR, 6.99%, ranks 8 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.