- Offers wide range of loan amounts
- Provides secured loan option for homeowners
- Offers direct payment to creditors with debt consolidation loans
- Origination fee
- No rate discounts
- No option to choose initial payment date
Minimum credit score: 600; borrower average is 700.
Minimum credit history: Three years and three accounts
Minimum income requirement is $3,500; borrower average is $80,000. Borrower must have enough cash flow to cover current financial obligations
Maximum debt-to-income ratio: 40% or 65% including a mortgage; borrower average is 40%
Employment: Must provide proof of income; part-time employees are eligible
Must provide valid U.S. address and Social Security number
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Wilmington
Delaware
19810
United States
Best Egg is an online lending platform that offers unsecured and secured personal loans through Cross River Bank and Blue Ridge Bank. Qualified borrowers can choose from loans between $2,000 and $50,000 and take advantage of services like Direct Pay for credit card consolidation. They are a great lender for borrowers who need a loan quickly. About half of Best Egg customers will receive their money the day after applying for the loan. The company is also best for borrowers with good credit history and a high income — you’ll need a minimum 700 FICO score and a minimum annual income of $100,000 to be eligible for the best APR.
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