About Best Egg Loans
Best Egg Loans are unsecured personal loans from Cross River Bank and a trademark from Marlette Funding, LLC. Servicing over 350,000 customers, Best Egg has funded over five billion dollars of projects, ideas, dreams and goals.
Based on a recent survey, Better Business Bureau (BBB) has categorized Best Egg with an A plus rating. It has helped make money accessible at a fixed monthly payment, offering loans from two to thirty-five thousand dollars.
With fair APR and no prepayment penalties, Best Egg is a legit modern financial service company that can provide you with the resources you require, even if your credit score is not the best.
This lending platform, with years of knowledge reinforcing their abilities, may be the answer to your economic hardships.
At Best Egg, the approval of your online loan application is fast and very simple. Your APR will depend on various factors such as credit score, debt obligation and income.
An important benefit is receiving the money directly to your bank account - without hassles and without wasting time. You may request a personal loan from $2,000 to $35,000 dollars, with an APR of 5.99% to 29.99% and an origination fee of 0.99% to 5.99%.
Best Egg can be used for debt and loan consolidation, special occasions, vacations, a major purchase, business expense, or more.
How Does It Work?
To apply for a loan, all you have to do is just fill out the online application and wait for approval. After that, the company will contact you if further information is required.
Cost and Price Plans
There are some fees to take into consideration before accepting the loan. The main is the $15 fee for late payments that pass three days.
Then, you will have another $15 fee for having insufficient funds of ACH transfers, your bank account does not have sufficient funds, or checks are returned for any reason.
The company also reserves the right to charge a $7 fee for any payments that are not made by automated ACH. Request to know all fees in your loan before accepting the contract. An origination fee may be deducted from loan proceeds, depending on several factors.
These fees should be known beforehand so that you won’t be caught by surprise when you have to pay them. Fix rate plans can be approved for three or five-year periods.
If you wish to contact Best Egg with questions, doubts, or comments, you can do so by various methods. All their contact info can be found easily on their Contact Us webpage. However, to make thing easier for you, their customer service number is 1-855-282-6353.
Contact may also be done through social media such as Facebook, Twitter and Google.
Out of all the reviews there are for Best Egg, a handful are complaints. The complaints focus on untimely responses or rejected loan applications, even when requirements were met. Besides that, some customers were scared of already-given confidential information.
“Is Best Egg loans safe?” is the most important question and from research, it seems to be as safe as any other lending company. Confidential information must be given during any loan application, but you do have rights and you may request to review the information they have.
Untimely responses can be verified easily by making a quick call and evaluate for yourself their response, service and knowledge. Most reviews praised the easiness of the application and the convenience of having the loan deposited directly into their bank account.
Competitors and Alternatives
There are numerous personal loan companies that can offer the same services as Best Egg. The Lending Club, with its peer-to-peer lending and alternative investing, is also widely known and has offered personal and business loans since 2007.
Personal loans from the Lending Club can reach up to $40,000. Prosper is another competitor that offers low rates - depending on certain factors - and will also be a good choice to look into.
Comparing Best Egg vs Prosper Loans or vs Lending Club allows you to notice the big differences, of which the main is having investors available immediately.
Prosper Loans, for example, will require time to find the appropriate men and women willing to invest. On the other hand, at Best Egg, loans can be acquired in one business day if you meet all requirements.
Thirty-Six Month Loans is a smaller loan business that has slowly earned credit through the online world. Each one promises fixed payments and set terms. If you have any questions, look at their FAQ page to find information about extra fees, if applicable, to avoid surprises.
Where to Buy?
If you wish to check your rate, with no impact on your credit score, you can apply today on their main web address at www.bestegg.com. You may also call them and ask for information before heading online.
There comes a point in time when we all need help financially in order to accomplish our goals or lessen debts. Before getting your calculator, it is important to seek the best loan company that fits your needs.
Requesting rates from two or three different personal loan companies can aide you in the decision-making process of selecting one with not only the lowest rates, but also the safest options.
Once you select a loan, always find a way to comply on your end of the obligation by paying on time. It is also wise advice to apply for a loan amount that is realistic and only as much as you actually need.
Going overboard with loans can lead you into crippling debt. Smart financing is the key to benefiting from any personal loan agency.