Best Egg
Best Egg is a U.S. direct-to-consumer online lender offering unsecured and secured personal loans, a co-branded credit card, and financial wellness tools to prime and near-prime consumers. Acquired by Barclays Bank Delaware for $800 million (closed May 2026), it operates through partner banks and has facilitated $40 billion+ in loans to over two million customers.
- Company typePrivate
- Founded2013
- HeadquartersWilmington, United States
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Best Egg does
Best Egg is a U.S. direct-to-consumer online lending platform that originates, funds, and services personal loans for prime and near-prime consumers. Operated by Marlette Marketing, LLC (Delaware) with related entities Marlette Funding, LLC and Marlette Servicing, LLC, the platform offers unsecured personal loans of $2,000-$50,000 at 6.99%-35.99% APR, a secured loan product (Best Egg Secured Loan + Homeowner Discount) of $5,000-$50,000 at 5.99%-29.99% APR using home fixtures as collateral, and a co-branded Best Egg Credit Card. Loans are originated through partner banks Cross River Bank and Column N.A. under a bank-partner / service-provider model, with funding sourced via forward-flow purchase commitments from institutional investors (a $500 million facility led by Fortress and Edge Focus in October 2024 and a $1 billion facility led by AB CarVal in December 2024). The platform features a soft-credit pre-qualification flow, automated underwriting, electronic document upload, instant funding within 1-3 business days, and a native mobile app for iOS and Android.
The technology stack integrates Point Predictive's IEValidate for instant income/employment verification, LambdaTest for cloud-based QA automation (2.7M+ tests across 128,000+ devices, 75% execution-time reduction), and a proprietary Financial Health suite (Money Manager, Credit Manager, Debt Manager) to support borrower engagement. Since 2013 the platform has facilitated over $40 billion in loans to more than two million customers and currently services approximately $11 billion, with $7 billion+ originated in the most recent year.
Monetization combines origination fees (0.99%-9.99%), ongoing net interest income on the retained servicing portfolio, gains on loan sales via forward-flow commitments, and capital-light servicing fees. Distribution is direct-to-consumer through bestegg.com and the mobile app, amplified by an expanded Progressive Insurance ecosystem partnership (December 2025) and, following Barclays Bank Delaware's $800 million acquisition closed in May 2026, integration with Barclays US Consumer Bank's deposit and card customer base. Best Egg holds consumer lending, servicing, and collection licenses across 40+ U.S. states through its Marlette entities (NMLS #1849194, #1849345).
Best Egg firmographics
Firmographics- Name
- Best Egg
- Legal name
- Marlette Marketing, LLC
- Website
- https://bestegg.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Acquired
- Headcount range
- 501–1,000 employees
- Short description
- Best Egg is a U.S. direct-to-consumer online lender offering unsecured and secured personal loans, a co-branded credit card, and financial wellness tools to prime and near-prime consumers. Acquired by Barclays Bank Delaware for $800 million (closed May 2026), it operates through partner banks and has facilitated $40 billion+ in loans to over two million customers.
- Ownership category
- akta.pro rank
Best Egg industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522), Credit Card Issuing (522210), Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
- akta.pro secondary industries
- Balance Transfer & Credit Card Refinance Loans (FSAKAIAA), Salary-Backed / Payroll-Deducted Secured Loans (FSAKALAI), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)
Keywords
Where Best Egg is headquartered
LocationHeadquarters
- HQ city
- Wilmington
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Best Egg business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Loan origination fees: Best Egg charges an origination fee of 0.99%-9.99% on unsecured personal loans (minimum 4.99% on terms of 4 years or longer) and 1.49%-9.99% on secured loans (minimum 4.99% on terms of 4 years or longer), deducted from loan proceeds at disbursement.
- Interest income on personal loan portfolio: Best Egg services approximately $11 billion in personal loans and has facilitated over $40 billion in loans since 2013, generating ongoing interest income on its retained loan servicing portfolio.
- Loan sale / forward-flow purchase commitments: Best Egg monetizes originated loans by selling them via forward-flow purchase commitments to institutional investors. In October 2024 Best Egg secured a $500 million purchase commitment led by Fortress Investment Group and Edge Focus, including forward-flow commitments and back-book loan purchases.
- Capital-light servicing fees (post-Barclays): Following Barclays' $800M acquisition (closed Q2 2026), Best Egg contributes a capital-light servicing platform to Barclays US Consumer Bank, generating fee-based servicing income from the serviced loan portfolio.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Best Egg Personal Loan (unsecured): $2,000-$50,000, 36-60 month terms, 6.99%-35.99% APR, 0.99%-9.99% origination fee |
| Other | Monthly | Best Egg Secured Loan + Homeowner Discount: $5,000-$50,000, 36-84 month terms, 5.99%-29.99% APR, 1.49%-9.99% origination fee |
| Other | Monthly | Best Egg Credit Card |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Best Egg product offering
Product offeringCore offering
Best Egg is a digital consumer lending platform offering unsecured personal loans of $2,000-$50,000, secured homeowner loans of $5,000-$50,000, and a Best Egg-branded credit card to U.S. consumers, with loans originated through bank partners Cross River Bank and Column N.A. It supplements its lending products with a Financial Health suite (Money Manager, Credit Manager, Debt Manager) and operates a fully online application, soft-credit rate check, electronic document upload, and instant funding experience via bestegg.com and its mobile app.
Differentiator
Problem solved
Functional benefit
Brands
- Best Egg Personal Loans: Unsecured and secured personal loans offered online for debt consolidation, credit card refinancing, home improvement, and other consumer uses.
- Best Egg Credit Card
- Best Egg Financial Health
- Best Egg Secured Loan + Homeowner Discount
Products and services
- Best Egg Personal Loan Unsecured fixed-rate personal loan offered in amounts of $2,000-$50,000 with APRs ranging from 6.99%-35.99% and terms of 36-60 months; used for debt consolidation, credit card refinancing, home improvement, moving, major purchases, baby/adoption, special occasions, and vacation. Originated through Cross River Bank or Column N.A. (Member FDIC).
- Best Egg Secured Loan + Homeowner Discount Secured personal loan product offering homeowners the platform's lowest available rates (APRs starting at 5.99%, range 5.99%-29.99%) with average APR savings of 20%; uses home fixtures (cabinets, vanities, light fixtures) as collateral rather than the home itself. Originated exclusively by Cross River Bank. Loan amounts $5,000-$50,000 and terms up to 84 months.
- Best Egg Credit Card Best Egg-branded credit card product with its own management portal at card.bestegg.com; functions as a separate product offering alongside the personal loan platform, with separate rewards terms and conditions.
- Best Egg Mobile App Native mobile application (iOS and Android) providing instant secure access to payment options, balances, real-time account alerts, credit score checks, and the ability to apply for additional Best Egg loans.
- Best Egg Financial Health Suite of free financial tools and resources including Money Manager (budgeting), Credit Manager (credit score simulator and monitoring), and Debt Manager (debt payoff planning); also provides educational content and credit-monitoring alerts to support borrowers' broader financial health.
Quantifiable outcome
- $40 billion+ in loans facilitated since 2013 to more than 2 million customers
- +6 more outcomes
Companies that use Best Egg
Customer profileSegments3 records
Ideal customer profiles3 records
Best Egg technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability1 record
Feature5 records
Best Egg partnerships and signals
Strategic signalScale indicators12 records
Recent moves7 records
Expansion highlights6 records
Best Egg competitors and assessment
Company assessmentDirect peers
- LendingClub: LendingClub is a direct-to-consumer online personal loan marketplace that originated as a peer-to-peer lender and now offers fixed-rate unsecured personal loans of $1,000-$40,000 with a nearly identical product set, target borrower (prime/near-prime), and online rate-check experience as Best Egg.
- SoFi: SoFi is a large digital consumer lender offering unsecured personal loans (typically $5K-$100K) to prime and near-prime borrowers, with a comparable online application flow and bank-partner-like balance sheet model. SoFi also operates adjacent credit card and deposit products similar to Best Egg's Financial Health and credit card lineup.
- Upstart: Upstart is an AI-driven online personal loan platform partnering with bank originators (including Cross River Bank) to underwrite near-prime consumers, with a comparable bank-partner model, soft-pull rate quote, and focus on alternative-data underwriting that Best Egg also emphasizes.
- Prosper Marketplace: Prosper is an established online personal loan marketplace offering $2K-$50K unsecured fixed-rate loans to consumers via a direct-to-consumer digital application, with a very similar borrower profile, loan-size range, and rate structure as Best Egg's core unsecured personal loan product.
- LightStream (a Truist company): LightStream is a direct-to-consumer online personal loan provider offering unsecured fixed-rate loans up to $100K to prime borrowers with a similar no-fee structure (no origination fee), comparable rate-check flow, and the same credit-quality focus as Best Egg's core offering.
- Payoff (now Happy Money): Happy Money (formerly Payoff) is a direct-to-consumer online lender focused specifically on credit card debt consolidation personal loans with similar APR ranges, bank-partner origination, and financial-wellness content positioning that overlaps directly with Best Egg's debt consolidation use case.
Broad incumbents
- Marcus by Goldman Sachs: Marcus is Goldman Sachs' direct-to-consumer digital banking platform offering unsecured personal loans up to $40K to prime borrowers, with similar product economics (no fees, fixed rate, soft credit check) and the same bank-balance-sheet origination model Best Egg uses via its bank partners.
- Discover Personal Loans: Discover offers unsecured personal loans up to $40K to prime and near-prime consumers alongside its broader credit card franchise, with a comparable fixed-rate, no-fee loan product and well-known direct-to-consumer brand that competes for the same customer as Best Egg.
Others
- Cross River Bank: Cross River Bank is Best Egg's primary originating bank partner for both unsecured and secured personal loans and a fellow fintech-enabling bank serving many of Best Egg's direct competitors (e.g., Upstart), making it a strategic infrastructure peer rather than a competitor.
- Barclays US Consumer Bank: Barclays US Consumer Bank is now Best Egg's parent company post-$800M acquisition (closed Q2 2026); it is an enabling/parent peer operating partnership-driven credit card and deposit businesses in the US, into which Best Egg's lending platform is being integrated.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Best Egg social profiles
Digital presenceBest Egg compliance and trust
Trust signalCompliance4 records
Best Egg financial estimates
Financial estimateRevenue estimate
Valuation estimate
Best Egg leadership team
Management profileNumber of profiles
Profiles13 records
Best Egg subsidiaries and ownership
Company hierarchySubsidiaries3 records
Best Egg funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Best Egg M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Best Egg
What does Best Egg do?
Best Egg is a digital consumer lending platform offering unsecured personal loans of $2,000-$50,000, secured homeowner loans of $5,000-$50,000, and a Best Egg-branded credit card to U.S. consumers, with loans originated through bank partners Cross River Bank and Column N.A. It supplements its lending products with a Financial Health suite (Money Manager, Credit Manager, Debt Manager) and operates a fully online application, soft-credit rate check, electronic document upload, and instant funding experience via bestegg.com and its mobile app.
Is Best Egg a public or private company?
Best Egg is a private company. It is classified as corporate owned and is currently acquired.
When was Best Egg founded?
Best Egg was founded in 2013. It employs 501 to 1,000 people.
Where is Best Egg based?
Best Egg is headquartered in Wilmington, United States, in the North America region.
How does Best Egg make money?
Four revenue lines are on record. Loan origination fees are the primary driver. The others are interest income on personal loan portfolio, loan sale / forward-flow purchase commitments and capital-light servicing fees (post-Barclays).
Who are Best Egg's main competitors?
Direct peers on record are LendingClub, SoFi, Upstart, Prosper Marketplace, LightStream (a Truist company) and Payoff (now Happy Money). Broad incumbents are Marcus by Goldman Sachs and Discover Personal Loans. Others are Cross River Bank and Barclays US Consumer Bank.
Does Best Egg have an API?
No public API is recorded for Best Egg.
What industry is Best Egg in?
Best Egg's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment), with a secondary code of FSAKAIAA, Balance Transfer & Credit Card Refinance Loans. Its NAICS code is 522 and its SIC code is 6141.