Personal loan
Best Egg: personal loan terms and fees
Fixed-rate personal loans with origination fees deducted from the proceeds.
Product details and conditions
Amounts and terms
$2,000–$50,000, generally 36–60 months. Higher minimums apply in Massachusetts, Ohio and Georgia. Products are unavailable in certain states and territories.
Personal loan — official product terms ↓APR
Advertised APR is 6.99%–35.99%, depending on creditworthiness and other application factors.
Personal loan — official product terms ↓Origination fee
0.99%–9.99% is deducted from the loan proceeds. Terms of four years or longer have an origination fee of at least 4.99%.
Personal loan — official product terms ↓Credit and repayment
The initial rate check does not affect your credit score; accepting an approved offer triggers a hard inquiry. Loans can be prepaid without penalty.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24