While Best Egg personal loan does have a solid reputation in the online lending industry, you can only borrow a lower maximum. The typical rates are slightly lower. Like Upstart, you will need at least fair credit to qualify. You can use your loan for credit card refinancing, consolidating debt or for a large purchase. However, the application process is slightly longer than Upstart. Best Egg typically requires up to three days to process an application and approve a loan.