Original research
Best Egg personal loans: what to check before you borrow
What to check
Best Egg: the way the loan fee is charged can vary. Ask whether it comes out of the cash or adds to what you owe. The legal lender listed in this record is varies. Confirm the name and terms on your own offer. These facts describe the dated sample, not a promised rate or approval.
This 17-program sample is not the whole market and cannot predict your offer. CC BY 4.0 covers Rung-owned work, with third-party material excluded. This working report is public. Publisher review and third-party source clearance remain pending; no completed reviewer approval is claimed.
- Published fee: 0.99% to 9.99%. Treatment: variable.
- Legal lender: Best Egg unsecured personal loans are made by Cross River Bank or Column N.A.; the specific creditor is disclosed with the offer.
- State access: national with named exclusions and amount exceptions.
- Still unclear from public sources: direct pay available
These terms may not match your offer
Scroll across to see all columns.
| What to check | Published information |
|---|---|
| Product | Best Egg unsecured personal loan |
| Provider role | marketplace |
| APR | 6.99% to 35.99% |
| Origination fee | 0.99% to 9.99% |
| How the fee is charged | variable |
| Loan amount | $2,000 to $50,000 |
| Loan length | 36, 60 months |
| State or access rule | Not available in Iowa, Vermont, West Virginia, District of Columbia, or U.S. territories; minimum amounts vary in Massachusetts, Ohio, and Georgia |
A deducted fee can make the loan larger than the cash you get
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| Cash you need | Fee basis | Fee rate | Loan amount | Fee removed | Fits published range? |
|---|---|---|---|---|---|
| $5,000 | range minimum deducted variant | 0.99% | $5,049.99 | $49.99 | Yes |
| $10,000 | range minimum deducted variant | 0.99% | $10,099.99 | $99.99 | Yes |
| $20,000 | range minimum deducted variant | 0.99% | $20,199.98 | $199.98 | Yes |
| $5,000 | range midpoint deducted variant | 5.49% | $5,290.45 | $290.45 | Yes |
| $10,000 | range midpoint deducted variant | 5.49% | $10,580.89 | $580.89 | Yes |
| $20,000 | range midpoint deducted variant | 5.49% | $21,161.78 | $1,161.78 | Yes |
| $5,000 | range maximum deducted variant | 9.99% | $5,554.94 | $554.94 | Yes |
| $10,000 | range maximum deducted variant | 9.99% | $11,109.88 | $1,109.88 | Yes |
| $20,000 | range maximum deducted variant | 9.99% | $22,219.75 | $2,219.75 | Yes |
The legal lender may differ from the brand
Brand or platform: Marlette Marketing, LLC
Legal lender: varies
Servicer: Marlette Funding, LLC and affiliates
Best Egg unsecured personal loans are made by Cross River Bank or Column N.A.; the specific creditor is disclosed with the offer.
Public borrower data describes a group, not you
Where the evidence centers: prime center. Evidence type: transaction typical borrower. Confidence: medium.
KBRA describes typical unsecured Prime customers as having a 725 average FICO and about $130,000 average income.
People covered: Typical unsecured Prime customers in Marlette Funding Trust securitizations. Period end: 2025-09-30.
Most funded-loan records cover a limited group or period
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| People or loans covered | Comparison class | Scope | Period end | APR | Why it stops |
|---|---|---|---|---|---|
| securitized pool | B | Unsecured Prime loans in Marlette Funding Trust securitizations reviewed by KBRA | 2025-09-30 | Not reported | The values describe typical Prime customers, not every Best Egg borrower or a current shelf cohort. Securitized loans may be selected and may not represent retained or whole-loan channels. The report also covers secured loans, which are excluded from this record. |
Your state or membership can change the answer
Available in participating U.S. states through Cross River Bank or Column N.A.
Public map status: national with named exclusions and amount exceptions. Named as included: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY. Named as excluded: IA, VT, WV, DC, US territories.
- MA: $6,500 minimum.
- OH: $5,001 minimum.
- GA: $3,001 minimum.
- multiple states: The offer identifies Cross River Bank or Column N.A. as creditor; a public pre-offer state assignment is not confirmed.
Confirm every answer the public pages leave open
- direct pay available
- full state matrix
- creditor assignment by state or offer
- state-specific fee exceptions beyond the national disclosure
- Best Egg: Personal Loans. official product page; checked 2026-09-05. Consumer disclosure and FAQ; APR, fee, amount, term, fee deduction, soft inquiry, hard-inquiry stage, and prepayment rule
- Best Egg: What costs will I pay if I take this loan?. official terms; checked 2026-09-05. APR floor, unsecured fee range, four-year fee minimum, deducted and financed fee examples, and creditor footer
- Kroll Bond Rating Agency, LLC: KBRA Affirms and Upgrades Ratings from Marlette Funding Trusts. other primary; checked 2026-09-05. Platform and pool description; typical Prime borrower average income about $130,000 and average FICO 725
- Barclays PLC: Interim results announcement for the six months ended June 30, 2026. sec filing; checked 2026-09-05. Acquisition disclosure; Barclays completed the Best Egg acquisition on May 1, 2026
Dataset personal-loan-funded-cost@2026-09-05.collection.3. Snapshot September 5, 2026. No independent reviewer is credited.
Check the next part of your offer
Use your current agreement as the final record.
Confirm your APR, fee, cash received, payment, total repayment, loan length, legal lender, and state rules.