Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.1
(20 Ratings)

Best Egg Account Review

Advertiser Disclosure

How To Login in Bestegg Account?

To log in to your Best Egg account, you can follow these simple steps:

  1. Go to the Best Egg website.
  2. Click on the "Log In" button in the homepage's top right-hand corner.
  3. Select "My account" from the drop-down menu that appears.
  4. Enter your username in the first field. Please note that this should not be your phone number or email address but the username you created when you signed up for your Best Egg account.
  5. Enter your password in the second field.
  6. Click the "Login" button to access your Best Egg account.

Key Features

Best Egg is an online lending platform that offers personal loans. Here are some key features:

  1. Competitive interest rates. The company offers competitive interest rates starting from 8.99% for borrowers with excellent credit. The interest rates vary depending on the borrower's credit score, income, and other factors.
  2. Quick and easy application. Best Egg provides a simple and quick online application process that takes just a few minutes to complete. The platform uses advanced algorithms to assess a borrower's creditworthiness and provide an instant decision.
  3. No prepayment penalties. The company does not charge any prepayment penalties, which means borrowers can pay off their loans early without incurring any extra fees.
  4. Flexible repayment options. Best Egg offers flexible repayment options ranging from 36 to 60 months, allowing borrowers to choose a payment plan that works best for their budget.
  5. Borrower rewards program. The company offers a borrower rewards program called "Best Egg Rewards" that allows customers to earn points for paying their loans on time and referring friends to the platform. These points can be redeemed for gift cards or to lower the interest rate on their loans.

How To Register an Account?

To start your loan application with Best Egg, you can visit their website and click on the "View Offers" button on the homepage. This will prompt you to create an account by providing your email address and entering personal and financial information like your name, address, income, employment status, and credit score. This information is used to assess your eligibility and generate personalized loan offers.

After submitting your details, you will be presented with a variety of loan offers to choose from, each with different interest rates, repayment terms, and loan amounts. To review the offers, simply click on the "View Offers" button and assess the details of each loan offer.

Once you've found an offer that meets your requirements, you can choose it and proceed with the application process, which may require additional documentation like proof of income or identity verification. Once approved, the loan will be funded, and the funds will be deposited into your bank account within a few business days. 

Step-by-step Registration

If you have already applied for a loan at Best Egg, here are the step-by-step instructions to register for a personal account:

  1. Go to the Best Egg website.
  2. Click on the "Login" button located in the top right corner of the homepage.
  3. On the login page, click on the "Register" link located below the login button.
  4. Enter your last name, last 6 digits of your SSN, and birthdate.
  5. Click on the "Find me" button.
  6. Follow the prompts to complete the registration process, including creating a username and password and verifying your email address.

Once you have completed the registration process, you should be able to log in to your Best Egg account to manage your loan and view your account information. If you have trouble registering or need assistance with your account, you can contact Best Egg customer support.

How Do Best Egg Loans Work?

Best Egg is an online lending platform that offers personal loans to consumers with good credit. Here's how the company’s loans work:

  1. Application. To apply for a Best Egg loan, you can visit their website and complete a simple online application form. It requires for personal and financial information, including your name, address, income, employment status, and credit score.
  2. Loan offers. After you submit your application, Best Egg will review your creditworthiness and determine your eligibility for a loan. If you qualify, you'll receive personalized loan offers with varying interest rates, repayment terms, and loan amounts.
  3. Acceptance. You can review the loan offers and select the one that best fits your needs. If you accept the loan offer, you'll be asked to provide additional documentation to verify your identity and income.
  4. Funding. Once your loan is approved, the company will initiate the funding process. The funds will be deposited directly into your bank account within a few business days.
  5. Repayment. Best Egg offers flexible repayment options ranging from 36 to 60 months. You can choose the repayment plan that works best for your budget. The company also offers automatic payments, so you can ensure that you pay your loan on time and avoid late fees.
  6. Loan payoff. You can pay off your Best Egg loan at any time without incurring any prepayment penalties. You can do this online through your account dashboard or by contacting their customer support.

Loan Funding Times

Once your Best Egg loan is approved, the funding time can vary depending on a few factors. In general, the company aims to fund loans within three to five business days after approval. However, the actual funding time can depend on the following:

  1. Verification process. Best Egg may require additional documentation to verify your identity and income. If this is the case, the funding time may take longer.
  2. Bank processing time. The time it takes for your bank to process the loan funds can also affect the funding time. Most banks will process the loan within one to two business days, but some banks may take longer.
  3. Loan amount. Larger loan amounts may take longer to fund than smaller loan amounts.

It's important to note that Best Egg does not offer same-day or next-day funding. If you need the funds urgently, it's best to look for alternative funding options.

Who Are Best Egg Loans For?

Best Egg loans are designed for consumers with good to excellent credit who are looking for personal loans to finance a variety of expenses such as debt consolidation, home improvement, major purchases, and unexpected expenses. These loans are best suited for individuals who have a credit score of at least 640 and a minimum income of $35,000 per year.

Best Egg loans are a good fit for borrowers who:

  1. Have good credit. The loans are designed for borrowers with good to excellent credit. If you have a credit score of 640 or higher, you may qualify for a Best Egg loan.
  2. Need to consolidate debt. Best Egg loans can be used to consolidate high-interest debt, such as credit card debt, into one monthly payment with a lower interest rate.
  3. Need to finance home improvements. The loans can be used to finance home improvement projects, such as a new roof or a kitchen renovation.
  4. Need to make a major purchase. The loans can be used to finance major purchases, such as a car or a new appliance.
  5. Need funds for unexpected expenses. Best Egg loans can be used to cover unexpected expenses, such as medical bills or emergency home repairs.

How To Delete an Account?

To delete your Best Egg account, you will need to contact Best Egg customer service directly by phone. Here are the steps to follow:

  1. Call Best Egg customer service at 1-855-282-6353.
  2. Let them know that you want to delete your account and provide any necessary information to verify your identity, such as your name, email address, and loan account number.
  3. The customer service representative will then guide you through the account deletion process.
  4. Best Egg may require you to pay off any outstanding loans or resolve any pending issues before deleting your account.
  5. Once your account has been deleted, you will no longer have access to your loan account dashboard or any loan-related information.

It's important to note that deleting your Best Egg account does not automatically cancel your loan. You will still be responsible for repaying your loan according to the terms and conditions of your loan agreement. If you have any questions or concerns about deleting your Best Egg account, be sure to contact customer service for assistance.

How To Reset a Password?

If you have forgotten your Best Egg account password, you can easily reset it using the following steps:

  1. Go to the Best Egg website.
  2. Click on the "Login" button located in the top right corner of the homepage.
  3. Select "My account" from the drop-down menu.
  4. On the login page, click on the "Forgot username or password?" link located below the login button.
  5. Click on the “Forgot password” button.
  6. Enter the username associated with your Best Egg account in the field provided.
  7. Click on the "Reset my password" button.
  8. You will receive an email from Best Egg with a link to reset your password.
  9. Click on the link in the email to be taken to the password reset page.
  10. Enter a new password in the fields provided and confirm the new password.
  11. Click on the "Save" button to save the new password.
  12. You will receive a confirmation email from Best Egg that your password has been reset.

Once you have reset your password, you can use it to log in to your account dashboard and manage your loan account. If you have any issues resetting your password, you can contact their customer service for assistance.

FAQ

How Do I Contact Best Egg?

To contact Best Egg, you can use the following methods:

  1. Personal loans.
    • Phone: 1-855-282-6353
    • Email: [email protected]
    • Mailing address: PO Box 42912, Philadelphia PA, 19101
    • Payment mailing address: Best Egg, PO Box 207865, Dallas, TX 75320-7865.
  2.  Credit card.
    • Phone: 1-833-707-1226, 24 hours a day, 7 days a week
    • Email: [email protected]
    • Mailing address: Po Box 7606, Philadelphia, PA 19101
    • Payment mailing address: Best Egg Credit Card, PO Box 70164, Philadelphia, PA 19176-0164
  3.  Financial health. For financial health inquiries or assistance, you can email Best Egg at [email protected].

How Do I Activate My Best Egg Account?

To activate your Best Egg account, you will need to follow these steps:

  1. Check your email inbox for an email from Best Egg with the subject line "Activate Your Best Egg Account".
  2. Click on the "Activate Your Account" button in the email.
  3. You will be directed to a page on the Best Egg website where you can create a password for your account.
  4. Enter a new password in the fields provided and confirm the password.
  5. Click on the "Activate Account" button to complete the activation process.
  6. You will receive a confirmation email from Best Egg that your account has been activated.
  7. Once your account is activated, you can log in to your account dashboard using your email address and the new password you created.

If you did not receive an email from Best Egg to activate your account, you can contact their customer service for assistance. They will be able to help you activate your account and get you started with managing your loan account online.

Why Can't I Access My Best Egg Account Online?

There are several reasons why you may not be able to access your Best Egg account online. Here are some common issues and possible solutions:

  1. Incorrect login credentials. Double-check that you are entering the correct email address and password associated with your Best Egg account. If you have forgotten your password, you can reset it by clicking on the "Forgot username or password?" link on the login page.
  2. Account not activated. If you recently applied for a loan with Best Egg, you may need to activate your account by following the instructions in the activation email sent to you. Check your email inbox and spam folder for the activation email.
  3. Technical issues. If you are experiencing technical issues with the Best Egg website or app, try clearing your browser cache and cookies or accessing your account from a different browser or device.
  4. Account locked. Your Best Egg account may be locked if there have been too many failed login attempts or suspicious activity. Contact their customer service for assistance in unlocking your account.
  5. Account closed. Your Best Egg account may be closed if you have paid off your loan or requested to close your account. If you believe your account was closed in error, contact their customer service for assistance.
Financial products
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.06
(20 Ratings)
Recommended FinScore™
0
300
650
1000
2000.00 – 50000.00 $
Rate
i

Effective interest rate on the product

8.99 – 35.99 %
Term
i

Loan term for the financial product

36 months – 60 months
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All Best Egg’s reviews by may 2024
Leave feedback
4.8
Advantages
I was highly pleased with the prompt and efficient customer service I received during the loan process. Thank you for your assistance.
Complain
4
Advantages
The process was incredibly straightforward and had no impact on my credit report. I managed to pay off all my debt, including my car, which I hadn't initially planned to do because the loan amount exceeded my immediate needs. However, the flexibility of making large payments without penalties made it a great choice. To top it off, I had the funds deposited into my bank account within just 24 hours.
Complain
4.8
Advantages
I reached out to customer service to switch from monthly to bi-weekly payments. The representative helped me make this change, and although I initially tried to do it online without success, the representative efficiently addressed my issue with professionalism and a solid understanding of the solution.
Complain
4.4
Advantages
The process was straightforward and expedited. Every individual I communicated with over the phone displayed politeness, professionalism, and attention to detail. I wholeheartedly recommend them to anyone seeking assistance.
Complain
1.6
Disadvantages
I recently discovered a severe penalty for making two payments a month, essentially paying for the following month early. This issue led to a significant drop in my credit score and negative notes on my credit reports, indicating an increase in my loan balance from early payments. Despite contacting numerous representatives and managers, the situation was not resolved. Additionally, attempting to secure an additional loan with a 7% APR, as my initial loan, proved unsuccessful as I received offers with APRs exceeding 20%, even with the same annual income. This experience has been frustrating.
Complain
4.4
Advantages
I recently obtained a loan from Best Egg, and I had the opportunity to interact with their Customer Service team twice. The first time was during the loan application, and the second was when I set up automatic payments. On both occasions, their representatives were exceptionally helpful and friendly. I wholeheartedly recommend Best Egg to anyone in need of their services.
Complain
4.4
Advantages
I must express my gratitude to Best Egg; they have consistently exceeded my expectations. It brought me immense joy to secure a loan within just two days, with the funds arriving on the second day. My experience with Best Egg has been truly outstanding, and I wholeheartedly recommend it to others. During a period when my bank account was at its lowest, Best Egg provided much-needed assistance. Thanks to the exceptional services of Best Egg, I can now embark on a fresh start, pay off my debts, and enjoy the peace of having just one stress-free payment.
Complain
2
Disadvantages
Securing the loan was a swift and uncomplicated process. Nevertheless, I was taken aback by the substantial deduction for administrative processing, as I was never informed of such a sizable fee. The unexpected reduction in the amount I received was quite significant, and I now find myself having to repay the amount I didn't anticipate.
Complain
4.8
Advantages
I obtained a loan through Best Egg, and I've had an excellent experience with them. They are a fantastic company to deal with, making the process easy and providing helpful assistance. The best part is that you interact with knowledgeable and experienced individuals who speak clearly, without a significant accent, making communication smooth and straightforward.
Complain
4.4
Advantages
Best Egg delivered a remarkably quick and professional service. I submitted the application, and within just two minutes, I received a response. The entire process was conducted online, and it allowed me to consolidate all of my credit cards.
Complain
Overall company rating
4.1
/ 5
20 reviews
Execution of an application
4.1
Support service
4.1
Mobile app
4.0
Service quality
4.2
Your satisfaction level
4.1
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