Best Egg

I got my offer through Credit Sesame I filled out the application and was pre approved. I did not take the loan right away because I had some questions. I called them they were very helpful so I went ahead and applied. I had to submit some documents, everything went through so they said two days I will receive the money. Then I got worried after reading all the negative views and got scared I was scammed. So I called them back to confirm everything. I am happy to see they have a B+ rating, but could not understand why they had so many bad reviews. I have nothing but positive things to say about them. This really hurts a company and people who really needs a loan. If I would have read all these reviews in the beginning I would have not applied. I stepped out on faith and so far I have not had nothing but good things to say about them.

They seem legit, but maybe not the best choice for me. I started creating an account, based on the Offer Code, but did not like that by the third page, I still did not know what the site was doing with my information. Were they going to call me? Email me? Do a credit search which might hurt my credit? I decided to not authorize the Credit Check and to cancel my request. Well, there was no Cancel button, and there was no way to back up and clear what I had entered on previous page. There was only a Logout option. However, this company now has my personal information, which I foolishly entered without checking them out a bit more thoroughly. Thank goodness this company is not my only option, though I hope my filling in even part of the request will not hurt my very good credit score.

Great experience! Thank you Bestegg for helping me to get rid of the headaches of many credit cards payments every month.

Review: I am constantly receiving advertising and mailing from Best Egg. It is almost like a darn joke to try to get yourself removed from their mailing list. I have phoned the phone number provided on the back to opt out. The only problem with that is you are asked to provide your SSN and your DOB in order to be removed. Now I didn't provide this information to be added so I should not have to provide all of this sensitive information to be removed. PLEASE REMOVE ME IMMEDIATELY. DO NOT SEND ME ANY FURTHER OFFERS OR ADVERSTISMENT FROM BEST EGG OR ANY OF YOUR AFFILIATE COMPANIES. DO THIS ASAP!!!!Desired Settlement: NO FURTHER CONTACT OF ANY SORT FROM THIS COMPANY OR ANY OF IT'S AFFILIATES.

Business

Response:

Dear [redacted]-Thank you for reaching out to share your concerns. I apologize for any inconvenience we may have caused. It is our policy to immediately remove any customer from future mailings upon request. I personally removed you from future mailings effective immediately. Please reach out if I can be of any further assistance.Thanks.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

I have had a high amount of credit card debt mostly due to divorce for 3 yrs now. I've contemplated going with one of these companies more than once, but always chickened out. This past Sunday, I was checking out Best Egg, reading all the reviews that I could find. I filled out the application on Sunday. Monday morning, I had a phone call verifying my phone number. My loan was funded Monday evening, and I had the money in my bank Tuesday morning. I let the money sit there for a few days (mostly to let it sink in that this was real), and as of last nite, all my cc's are paid off. I got 8.99% rate, and everything will be paid off in 3 yrs. I'm sitting here just amazed that it was this easy.

They sent mail with pre-approval code.

I gave them my sensitive information to get evaluation by web.

In final step, It appeared "No offer is available for you this time."

My credit score is not bad.

Just one month ago, I purchased new car with 0.9% loan from honda financing company.

They got my information only, It is a kind of scam.

Best Egg, you are not best, you are just horrible egg!

Don't waste your time and stop giving information to them.

What a huge scam. Steer clear is the best advice that I can give. I have a very good credit history and score, and recently refi'd my vehicle for a lower APR, so obviously I am in good standing with creditors. Low and behold, I was denied, stating there is no rate available on an $8000 loan. What in the heck does that even mean!?

The funding is via "Cross River Bank", so admittedly I should've done more research here. Folks, SHRED those "pre-approval"(what a concept) letters and don't waste your time. Revdex.com: Please review this business' practices and evaluate their scores with you.

I received an offer in the mail from Best Egg for up to $50,000 at a rate as low as 5.99%. I was apprehensive but decided to submit an application on-line for a $25,000 loan. I make a great living, have excellent credit and have never taken a cash advance on a credit card, etc.and the rate they offered me was 16.99% with an origination fee of more than $1,200. This rate is more than ANY of my credit card rates. I notice that Best Egg responds to the negative reviews on this site so I would like to ask them a question...has anyone EVER qualified for 5.99%? I'm guessing that you make it so difficult that only someone who makes $500,000 and would never need a loan from you would qualify...am I right? The customer service people were very nice and professional...it's too bad they're dealing with a product like this.

HORRIBLE!!! HORRIBLE!!! HORRIBLE!!!

TERRIBLE!!!TERRIBLE!!! TERRIBLE!!!

DO NOT WASTE YOUR TIME, EFFORT OR SPACE ON YOUR CREDI REPORT FOR A HARD CHECK THAAT WWILL STAY THERE FOR TWO YEARS! THEY ARE NOT OUT TO ASSIST THE HONEST, HARD WORKING CREDI WORTHY AMERICAN AS THEY FALSE ADVETISEMENTS CLAIME. WITH A CREDIT SCORE OF OVER 750, THEY OFFERED ME 24% ON HALF THE AMOUNT I WAS SEEKING! ABSOLUTELY OUT RAGEOUS!!! THEY ARE LOOKING FOR CREDIT WORTHY INDIVIDUALS TO TAKEADVANTAGE OF BECUSE THEY KNOW BY OUR CREDIT SCORE AND HISTORIES THAT WE PAY OUR BILLS AND WE HAVE VALUE IN OUR SELVES. DO NOT ALLOW THEIR FANCY EDITING ENTICE YOU. I DO NOT USUALLY WRITE REVIEWS, BUT I FELT IT WAS ONLY FAIR TO WARN GOOD PEOPLE OF THIS BAD BUSSINESS AND THEIR EVEN WORSE BUSINESS PRACTICES. PLEASE DO NOT FALL VICTIM TO THEIR SCHEMING TACTICS AS I DID. WHEN I REVIEWED THEIR OFFER AND DID MY RESEARCH, I THOUGHT...FINALLY, AN ORGANIZATION TO ASSIST THE GOOD GUY IN NEED, BUT AFTER MY ORDEAL OF APPLYING AND BEING APPALED AT THE INTEREST OF 24%, I SPOKE TO A SUPERVISOR UNWILLING TO NEGOIATE AND TAKE MY GREAT CREDIT HISTORY INTO ACCOUNT. I DECIDED AGAINST THIS NO WIN OFFER AND TOOK THE EXPERIENCE AS A LEARNING LESSON. SO, BEWARE! YOUR BETTER OFF SPENDING YOUR TIME CALLING THEMAND TELLING THEM TO TAKE YOU OFF THEIR CUSTOMER ADVERTISEMENT LIST.

Review: I was told that l qualified for a loan. After giving my information and ssn# I was then turned down for the loan. They are the only people I have contacted about a loan and now I am a victim of identity fraud. Someone is now opening up credit card account without my permission. I spoke with a man named [redacted]. I feel the purpose a telling me that I qualified for a loan was to fraudulently obtain my ssn# .Desired Settlement: Have all my contact info and ssn# deleted from their records. Report the best egg company for fraud and identity theft

Business

Response:

Dear [redacted],Thank you for taking the time to speak to me and allowing me

to respond to your concerns! As discussed, we are a legitimate company

whose website is secure. I am sorry that you were a victim of identity

theft and would like to assure you that this was not a result of your loan

application with us. We do not share or sell any of your personal information.

Please free to contact me directly with any additional questions or

concerns. Thank you!

Terrible. Stay away. We used Best Egg which is a new lender that is part of Marlette Funding. This company will do a hard credit pull and it stays on your credit report for a long time. Their rates are no better than credit cards unless you have a 800+ credit score. Even then, the rates are not great. My husband received a preapproved application and they wanted to charge 25% for a $2000 loan. Really? How does that help anyone? He wanted to consolidate other cards into one payment but obviously this company is not capable. Don't waste your time or your credit score.

Review: I receive weekly advertising and mailings from Best Egg. I do not want to receive prescreen offers and would like to opt out and be removed from the mailing list. I called the number provided to opt-out but do not want to provide my SSN or any other information. Please remove me from all mailing lists.Desired Settlement: I do not wish to hear from the business any more via phone, email, mail or in-person. I want to be removed from all mailing lists.

Business

Response:

Dear [redacted],Thank you for reaching out to share your concerns! Per your request, I have personally added you to our “do not solicit” file. There is potential that you could receive additional mail pieces for up to 60 days due to mail being previously initiated at our print vendor. I apologize for any inconvenience this may have caused. Please feel free to reach out if we can be of additional service!

Review: I received an email that my loan is approved and I just need to finish the application so they can send the money, but after I gave all the information including my SSN, I received a note that they will not be able to approve my loan. After I provided my information , they run my credit so hard that affects my credit score, this company is just getting information so they can sell and jeopardize someone's information.Desired Settlement: delete all my information and fix my credit history/score

Business

Response:

Mrs. [redacted]-Thank you for sharing your concerns and giving me an opportunity to respond. You have in fact been approved for a loan. I believe the confusion is surrounding two applications that were submitted (the first through Lending Tree on 6/21 was approved, the second directly with Best Egg on 6/25 which was declined). I am happy to assist you in moving forward with your approved application. You can reach out directly to me at the number I left a message with at your home or our toll free number [redacted]Thanks

Very clean and simple way to do business.

Review: I filled out the application and submitted all the required paperwork on Monday June 29,2015. Email said give them 2-3 business days to process. I have resubmitted paperwork numerous times and can't get an answer as to when it will finished.Desired Settlement: I just want it finished up. They have had the time they said it would take. I'd like an answer and the loan completed.

Business

Response:

Dear Mr. [redacted]Thank you for reaching out and giving me an opportunity to respond to your concerns. I reviewed the notes on your application and see we have tried to contact you several times unsuccessfully. I personally called each number on your application as follows: the mobile number provided is no longer in service, a gentleman who answers the home number you provided informed us we have the wrong number and your employer's number plays a "radio" recording which disconnects at the end of the message. I did leave you a message at the phone number you provided in this complaint. After reviewing the documentation you submitted, the income does not support the amount entered on your application. For this reason, the loan is declined and you will receive a letter via mail in 7-10 days. Please reach out if I can be of any further assistance.Thanks

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Review: My experience with this company can be summed up by the following words/phrases: dishonesty, terrible customer service and poor business practices.

This company continued to send me offers and requests in the mail to apply for a loan. I finally checked their rates, which were by no means better than other loan companies (though they advertise their interest rates to be the best) that I found. Next to my first loan offer was another offer for a higher loan amount at a very low rate and monthly payments that were clearly not high enough to even pay off the original loan. So, doing my due diligence, I called the customer support and the gentleman to whom I spoke, quite clearly informed me that sometimes there are "glitches" with the website and the wrong payment amounts are displayed, but that as long as I went forward with the terms and signed the disclosure agreement and if my loan application was approved, that I would NOT be responsible for the remaining principle and interest due. He indicated that the bank would pay off the remainder of the loan balance. I was in disbelief so I even clarified his information and he confirmed. Of course, assuming that this was accurate information from the customer support agent, I went ahead and completed and submitted the application for this loan. A few days later it was APPROVED and I received an email stating that my application was approved and the funds would be deposited in my account in 1-3 business days, which did not happen. Rather, 4 business days later, I received an email from an [redacted], reportedly the Director of Operations of Marlette Funding, as he was unable to reach me by phone. His email which stated, “We had a technical issue with our website which misstated the monthly loan payment.” He asked me to call him in order to discuss the changes made to my loan terms. I did as such and was told that I had been misinformed. The biggest issue in my view was that not only do they have employees providing false information, but they APPROVED my loan and then waited until a day after the loan was supposed to be funded to inform me of the error that they had suddenly become aware of and needed to correct. They offered no compensation and/or changes to my loan or interest rate as a customer service, rather, this individual, [redacted], told me via phone that they would review the phone conversations in order to provide this employee who communicated incorrect information to me with “feedback.” This was one of the worst business interactions that I have ever experienced.Desired Settlement: Provide some form of customer service for your multiple errors including: providing inaccurate information, approving my loan and late response in funding my loan (during which you finally acknowledged your egregious error)..a reduced interest rate in the loan terms, for instance. This was a huge inconvenience to me.

Business

Response:

Ms. [redacted], Thank you so much for the opportunity to speak to you in reference to your experience with Best Egg. As I mentioned on the phone, we apologize for the issue related to the calculation of your monthly payment. We also apologize for the lack of accurate information you received from our customer service representative. We look forward to the potential of you becoming a valued customer of Best Egg. If you have any questions, please don't hesitate to reach out. [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10577502, and find that this resolution is satisfactory to me.

I have a lot of credit card debt and have been wanting to consolidate for a long time. Interest rates range from 16.99% to 19.99%, so really any rate lower than that was appealing, and let's not forget credit card interest is compounding as well, so a set rate of anything lower than that is what I was after. Despite the debt, I have a good credit score. I have gotten SO MANY debt relief mailers in the mail for the last several years - most of which I researched as shady deals, so just tossed them. Then, within the last year, I began getting the mailers for Best Egg on a regular basis. As with the rest of them, initially I just tossed them. But then once I looked into Best Egg on Revdex.com and saw the A rating and other positive reviews, I decided to check out what type of loan/rate I could get online. I filled out the online application which took literally all of a couple minutes. The application is simple & very straight forward. I would suggest clicking on the links with additional information as you go as it will answer any questions you may have. Within another minute, I had my loan and rate quote, instantly. I was approved for a lot more than I thought I would be, and the rate was decent as well. I got to choose between a 3 year or a 5 year loan, with the 3 year obviously having better rates. After submitting my application, I was required to provide my most recent W-2 along with 2 recent pay stubs which I uploaded right on the Best Egg site. Within minutes, my phone was ringing with a Best Egg representative to confirm my identity. The money was then deposited into my account 2 days later. IT REALLY WAS THAT SIMPLE!! The money is loaned out through a bank ([redacted]), and you use the SST Online Customer Service Portal to view the details of your loan. You can also make payments to the loan through this website. You will set up as automatic payments when you apply, but you can change this any time after the loan is approved right on this website. I have also gotten a loan through the Lending Club in the past. I found the Best Egg process to be much more streamlined, and it's instant. No waiting for days to see if your loan gets funded. If I had known it was this easy, I would have done it a year ago when I started getting the mailers. I would highly recommend and did not experience anything that the negative reviews report. THANKS BEST EGG!!

I got an invitation to apply from Best Egg. I started to trash it, but I really did need to consolidate some credit card debt that is currently on interest free terms and about to convert to high rate financing. I've dealt with personal loans in the past, and I know that interest rates can be unfavorable for this type of lending. Also, bank policies are pretty strict for unsecured lending, which makes it difficult for anyone needing debt consolidation difficult. I have attempted to make this happen for a while, and it's been decline or very high/unacceptable interest rates to date. I gave Best Egg a shot. Wow, I'm impressed. A very fair rate, one that far exceeds a very reputable national bank, an extremely easy application process, a friendly staff, and RESULTS. I haven't received funds yet, but that is expected in a couple of days. Way to go guys! You know your target market and how to serve them. You are doing a good job. Thanks! About me: A reputable borrower.

I'm satisfied with my experience so far. Was a quick and easy loan for me. Applied online and was accepted for a 3 year loan at 5.99%. Was easy to setup direct deposit/automatic payments through my checking account.

I applied for a personal loan to help with some extra funding I needed to buy a home after receiving a mailer. I applied through the website and they offered me $7,500 at a 29.99%!!!!!

You've got to be kidding me!

I called to negotiate and the agent just said this is the offer. Over the last few they call without leaving a message 2-3 times a day.

No thank you!!!