Best Egg Personal Loan

Best Egg is a mid-size unsecured lender for borrowers who want a firm 3 to 5 year schedule. It publishes APRs of 6.99% to 35.99% for loans of $2,000 to $50,000 with terms of 36 to 60 months. The APR includes an origination fee of 0.99% to 9.99% of the loan amount, deducted from your proceeds, and Best Egg says the fee on terms of four years or longer is at least 4.99%. That last line is the one to read: the low end of the fee range belongs to the shortest terms, and a 4 or 5 year loan starts at 4.99%. Funding is quick but not instant. About half of customers get their money the next day, and after verification the money can be in your account within 1 to 3 business days. There is no prepayment penalty, and checking your rate does not impact your credit score; if you accept an offer, a hard inquiry follows. Availability is the limit. Best Egg is not available in Iowa, Nebraska, Vermont, West Virginia, the District of Columbia or U.S. territories, and minimum loan amounts are higher in Massachusetts ($6,500), Ohio ($5,001) and Georgia ($3,001). The page publishes no minimum credit score and does not say whether joint applications are allowed. A second Best Egg loan is allowed only while your total Best Egg balances stay at or below $100,000.