Fixed-rate personal loan from Best Egg.
Best Egg Personal Loan
Best Egg ·
- APR
- 6.99% to 35.99%
- Loan amount
- $2,000 to $50,000
- Term
- 36 to 60 months
- Origination fee
- up to 9.99%
Borrowers who want a fixed rate and can pay the origination fee
- Fixed rates from 6.99% to 35.99% APR
- Can be paid off early without penalty
- The origination fee is 0.99% to 9.99%, and at least 4.99% on terms of 4 years or longer
Our verdict
Best Egg Personal Loan scores 3.4 out of 5 (67 of 100 points) in our method, which ranks it #9 of 10 verified personal loans we compare. Best for: borrowers who want a fixed rate and can pay the origination fee.
Key terms
| APR | 6.99% to 35.99% |
|---|---|
| Loan amount | $2,000 to $50,000 |
| Term | 36 to 60 months |
| Origination fee | up to 9.99% |
| Terms verified | 11/03/2026 |
Pros and cons
Pros
- Fixed rates from 6.99% to 35.99% APR
- Can be paid off early without penalty
Cons
- The origination fee is 0.99% to 9.99%, and at least 4.99% on terms of 4 years or longer
Who it is for
- A good fit: Borrowers who want a fixed rate and can pay the origination fee.
- Look at other options if any of these is a dealbreaker: the origination fee is 0.99% to 9.99%, and at least 4.99% on terms of 4 years or longer.
How it compares
| Loan | APR | Loan amount | Term | Origination fee | Our rating |
|---|---|---|---|---|---|
| Wells Fargo Personal Loan | from 6.74% | $3,000 to $100,000 | 12 to 84 months | none | 5.0 |
| SoFi Personal Loan | 6.99% to 35.49% | $5,000 to $100,000 | 24 to 84 months | none | 4.9 |
| Discover Personal Loan | 6.99% to 24.99% | $2,500 to $40,000 | 36 to 84 months | none | 4.6 |
| Upstart Personal Loan | 6.30% to 35.99% | $1,000 to $75,000 | 36 to 60 months | — | 4.5 |
| Citi Personal Loan | from 10.24% | $2,000 to $30,000 | — | none | 4.2 |
| OneMain Financial Personal Loan | 11.99% to 35.99% | $1,500 to $35,000 | 24 to 60 months | — | 4.1 |
| Upgrade Personal Loan | 7.74% to 35.99% | $1,000 to $50,000 | 24 to 84 months | up to 9.99% | 3.6 |
| Prosper Personal Loan | 8.99% to 35.99% | $2,000 to $50,000 | 24 to 72 months | up to 9.99% | 3.5 |
| Best Egg Personal Loan | 6.99% to 35.99% | $2,000 to $50,000 | 36 to 60 months | up to 9.99% | 3.4 |
| Avant Personal Loan | 9.95% to 35.99% | $2,000 to $35,000 | 24 to 60 months | up to 9.99% | 3.2 |
See it in our full comparison: Personal Loans: Lenders Compared.
How we scored it
The score uses only the loan’s published terms. Whether a provider pays us, or whether we have any agreement with it, plays no part. Read the full method.
| Part | Weight | This loan |
|---|---|---|
| APR | 35 | 97 / 100 |
| Origination fee | 20 | 0 / 100 |
| Amounts and terms | 15 | 65 / 100 |
| Funding speed | 10 | not scored |
| Soft-check prequalification | 10 | 100 / 100 |
| Credit requirement | 10 | not scored |
Frequently asked questions
What is the APR on the Best Egg Personal Loan?
Best Egg advertises an APR of 6.99% to 35.99% (verified 11/03/2026). The rate you are offered depends on your credit and the loan you choose, and the lowest rates usually go to the strongest applicants.
Does the Best Egg Personal Loan have an origination fee?
Best Egg states an origination fee of up to 9.99% of the loan amount, taken from the proceeds (verified 11/03/2026). That means you receive less than the amount you borrow.
Does checking my rate affect my credit score?
Best Egg says that checking your rate does not affect your credit score. Read its terms for what happens when you accept an offer.
What could a $10,000 loan cost per month?
At the lowest advertised APR (6.99%) over 36 months, the payment on $10,000 would be about $309 a month, or $11,114 in total. This treats the APR as the interest rate, so your real payment will differ with your offer and any origination fee. Use the loan calculator for your own numbers.
Sources
- Best Egg product page, read 11/03/2026
Terms change; confirm them on the provider’s site. Not financial advice.