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Best Egg alternatives: 3 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll personal loan apps

Top picks

Common reasons people leave Best Egg: origination fee is deducted from the loan proceeds, and only available to borrowers in the US. We ranked 3 alternatives by how directly each one replaces Best Egg, then by reviews, real visits and how recently each app's facts were checked against its own website. Prosper currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Prosper logoProsperPaid—NoWeb5 of 568.8
2Credit Karma logoCredit KarmaFree—NoWeb, iOS, Android5 of 552.6
3Bankrate logoBankrateFree—NoWeb5 of 551.2
  1. Prosper logo

    1. ProsperTop pick

    Best for: US borrowers who want a fixed-rate personal loan for debt consolidation or a one-off expense

    PaidWeb

    68.8

    score / 100

    Why switch from Best Egg

    Similar $2,000–$50,000 fixed-rate loans with a soft-pull rate check and funding as soon as one business day.

    Pros

    • Rate check doesn't affect your credit score
    • No prepayment penalty on personal loans
    • Funding as soon as the next business day
    • Joint applications and home equity lines also available

    Cons

    • Origination fees go up to 9.99% of the loan
    • Maximum personal loan is $50,000, lower than some rivals
    • APRs reach 35.99% for weaker credit profiles
    Visit Prosper Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Prosper a good Best Egg alternative?

    Verified facts

    5 of 5 verified
    Loan amounts
    $2,000–$50,000
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    APR range
    8.99%–35.99%
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Origination fee
    1%–9.99%
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Prepayment penalty
    None
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Founded
    2005
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
  2. Credit Karma logo

    2. Credit Karma

    Best for: US consumers who want free credit monitoring plus card and loan offers matched to their profile

    FreeWeb, iOS, Android

    52.6

    score / 100

    Why switch from Best Egg

    Free marketplace that shows personal loan offers from many lenders side by side, so you can compare before committing.

    Pros

    • Free credit scores, reports and monitoring alerts
    • Shows estimated Approval Odds before you apply for cards and loans
    • Free federal tax filing built in
    • Banking account with no monthly fees or minimums

    Cons

    • Paid by partners, so the app is full of product offers
    • Approval Odds are estimates, not a guarantee of approval
    • State tax filing costs extra
    Visit Credit Karma Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Credit Karma a good Best Egg alternative?

    Verified facts

    5 of 5 verified
    Founded
    2007
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Members
    140 million+
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Tax filing
    Free federal, $15 state
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Banking fees
    No monthly fees
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Lender offers
    30+ lenders
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
  3. Bankrate logo

    3. Bankrate

    Best for: US borrowers and savers comparing mortgage, CD, savings and loan rates before picking a lender

    FreeWeb

    51.2

    score / 100

    Why switch from Best Egg

    Compare personal loan rates and lender reviews across the market before choosing who to apply with.

    Pros

    • Weekly rate surveys covering hundreds of banks and credit unions
    • Mortgage rate comparison without a credit pull
    • Broad coverage: mortgages, savings, CDs, cards and several loan types
    • Large library of calculators and lender reviews

    Cons

    • Only covers the US market
    • Paid by the lenders and issuers it lists, so rankings deserve a second look
    • No credit score or credit report monitoring of its own
    Visit Bankrate Details and reviews
    How this score is calculated
    Editorial fit ×0.341
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Bankrate a good Best Egg alternative?

    Verified facts

    5 of 5 verified
    Founded
    1982
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Lenders surveyed
    850+ banks and credit unions every week
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Credit check for mortgage quotes
    No credit pull required
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Business model
    Not a bank or lender
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Owner
    Red Ventures
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)

The best Best Egg alternative for…

The highest-ranked app in this list for each need.

Prosper logo

Best Best Egg alternative for most people

Prosper

Similar $2,000–$50,000 fixed-rate loans with a soft-pull rate check and funding as soon as one business day.

Credit Karma logo

Best Best Egg alternative for a free option

Credit Karma

Free marketplace that shows personal loan offers from many lenders side by side, so you can compare before committing.

Credit Karma logo

Best Best Egg alternative for iPhone and Android

Credit Karma

Free marketplace that shows personal loan offers from many lenders side by side, so you can compare before committing.

Bankrate logo

Best Best Egg alternative for working in the browser

Bankrate

Compare personal loan rates and lender reviews across the market before choosing who to apply with.

Best Egg alternatives: common questions

What is the best alternative to Best Egg?

Prosper ranks first right now. Similar $2,000–$50,000 fixed-rate loans with a soft-pull rate check and funding as soon as one business day. Credit Karma and Bankrate follow it in our ranking.

Best Egg vs Prosper: what's the difference?

Both Best Egg and Prosper are paid products. Only Best Egg runs on iOS and Android.

Is Best Egg free?

Best Egg is a paid product.

Is there a free alternative to Best Egg?

Yes. Credit Karma (free) and Bankrate (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Best Egg?

None of the 3 alternatives in this list is open source.

Why do people switch from Best Egg?

The complaints we hear most: origination fee is deducted from the loan proceeds; only available to borrowers in the US; top APRs are high for people with weaker credit.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Best Egg, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.