The Best Egg Personal Loan Good Credit is a personal loan from Best Egg Personal Loan. The annual fee is $0. The ongoing APR is 6.99%-35.99%. Approval typically requires a credit score of 640 or higher. Typical credit limit: $2,000 - $50,000. Funding speed: Funding in as little as 24 hours. Loan terms: minimum term of 36 months and a maximum term of 60 months. This product reports activity to your personal credit report. Fast funding, often next business day. Origination fee 0.99%-9.99%. Backed by Cross River Bank. Terms 3-5 years.