Best Egg Hardship Program: Help With a Best Egg Loan
Posted by Mike Leuthold on Oct 30, 2026
| This article is general educational information, not legal, tax, or financial advice. Century Support Services is a debt settlement company, not a law firm, and is not affiliated with, endorsed by, or sponsored by Best Egg. Best Egg sets its own hardship terms, which vary by account and are not guaranteed. |
Best Egg is an online personal loan platform offering unsecured personal loans for debt consolidation, home improvement, and other personal needs. Cross River Bank or Blue Ridge Bank (Best Egg’s lending partners) originate the loans; Best Egg services them. If a financial hardship has made your Best Egg payment difficult, payment assistance may be available through Best Egg’s servicing team.
This content is for general informational purposes and is not legal, tax, or financial advice. Century Support Services is not affiliated with Best Egg.
Key Takeaways
- Best Egg personal loans are unsecured, not backed by collateral. They may be eligible for Century’s debt settlement program, subject to program criteria.
- Best Egg does not publish a standardized hardship program. Payment assistance is handled individually through its servicing team; contact before missing a payment.
- No specific settlement rate for Best Egg is provided at this time. Creditors are not required to settle. Enrollment will adversely affect your creditworthiness.
What Best Egg Hardship Assistance May Include
Payment Deferral
Best Egg may allow temporary deferral of one or more payments for borrowers in documented acute hardship. Interest typically accrues during any deferral period.
Hardship Modification
For extended hardship, Best Egg’s servicing team may consider a modified repayment schedule requiring documentation and a formal request.
Contact Best Egg’s servicing team directly for account-specific options; its hardship terms are not publicly documented.
How to Request Best Egg Hardship Assistance
To request hardship assistance from Best Egg, follow these steps.
- Contact Best Egg’s customer service through best-egg.com/contact-us or the number on your loan documents.
- Ask specifically about ‘hardship assistance’ or ‘payment deferral’ for your personal loan.
- Provide a specific, documented hardship explanation.
- Ask whether interest accrues during any deferral and how deferred payments affect the loan’s end date.
- Request written confirmation of any arrangement offered.
The CFPB’s guidance on contacting creditors during hardship is at consumerfinance.gov.
Best Egg Hardship Program Charge-Off Timeline
The table below outlines what typically happens at each stage of delinquency on a Best Egg account and what action makes the most sense.
| Status | Timeframe | What Happens | Your Best Move |
| Current, 0 days | Before first missed payment | Full options accessible | Call before any payment is missed |
| 30-89 days late | 1-3 months | Reported to bureaus; collections begin | Request hardship accommodation |
| 90-149 days late | 3-5 months | Escalating collection; charge-off approaching | Evaluate debt settlement in parallel |
| ~180 days, charge-off | Around month 6 | Written off; internal collections or debt buyer | Structured settlement consultation |
Best Egg personal loan accounts are reported as delinquent after 30 days and typically charge off between 120 and 180 days of non-payment.
State Consumer Protection Resources
Your rights when dealing with Best Egg Hardship depend on both federal law and your state of residence.
| State | Resource | Key Rule |
| All states | FDIC, fdic.gov | Cross River Bank and Blue Ridge Bank (Best Egg partners) are , file bank complaints with FDIC |
| California | CA DFPI, dfpi.ca.gov | Rosenthal FDCPA applies to original creditors in CA |
| New York | NY DFS, dfs.ny.gov | NY GBL §601 expands federal protections for NY consumers |
| All states | CFPB, consumerfinance.gov/complaint | File complaints about any creditor or collector with the CFPB |
When Debt Settlement Applies
Unsecured Best Egg personal loans that have reached significant delinquency may be eligible for Century’s debt settlement program, subject to program criteria and individual assessment.
No specific settlement rate for Best Egg is provided at this time. Creditors are not required to settle, and individual results vary. Enrollment will adversely affect your creditworthiness.
Also, read:
- Debt Settlement Vs. Debt Management: The Real Difference
- How To Negotiate Debt Settlement On Your Own
- How To Consolidate Credit Card Debt And Protect Your Credit Along the Way
- What Is Debt Settlement? How It Actually Works
Contact Best Egg Hardship Before Any Payment Is Missed; Options Narrow With Delinquency
Best Egg Hardship’s hardship assistance is most accessible before a payment is missed. If it is not enough, Century can assess your full situation in a no-obligation consultation.
| Carrying Unsecured Debt? Learn About Your Options Call 855-417-6648 | Start your no-obligation consultation A no-obligation consultation with a Century representative reviews your options. Results vary. Not all debts or consumers qualify. Creditors are not required to settle. The use of debt resolution services will adversely affect your creditworthiness. Century’s fee for a settled debt is earned only after Century obtains a settlement agreement from your creditor, you approve that agreement, and at least one payment is made to the creditor or debt collector under that settlement. Fees are assessed settlement by settlement and vary by state. Century is not a law firm and does not provide legal, tax, or financial advice. |
FAQ
Does Best Egg have a hardship program?
Best Egg does not publish a standardized hardship program. Payment deferral and modification may be available through its servicing team; contact them before missing a payment to learn what is available for your specific loan.
Who actually holds my Best Egg loan?
Best Egg’s loans are originated by bank partners (Cross River Bank or Blue Ridge Bank) and serviced by Best Egg. Contact Best Egg’s customer service; it handles servicing for your loan regardless of which partner bank originated it.
Is a Best Egg loan secured or unsecured?
Best Egg personal loans are unsecured, not backed by collateral. This is relevant for settlement: unsecured Best Egg loans may be eligible for Century’s debt settlement program, subject to program criteria.
Can Century settle a Best Egg personal loan?
Unsecured Best Egg loans may be eligible for Century’s program, subject to criteria. No specific settlement rate is provided. Century’s team handles negotiations; creditors are not required to settle, and results vary.
What happens to my credit if I default on a Best Egg loan?
Best Egg reports delinquency after 30 days of non-payment. Default and charge-off typically follow at 120-180 days. The charge-off notation remains on the credit report for seven years from the date of first delinquency.
Resources
Important Disclosure
This article is general educational information and is not legal, tax, or financial advice. Century Support Services is a debt settlement company; it is not a law firm and does not provide legal, tax, or credit repair advice, and makes no representation about credit-score outcomes. Century Support Services is not affiliated with, endorsed by, or sponsored by Best Egg. Best Egg sets its own hardship terms, which vary by account and are not guaranteed. Debt settlement program results vary based on individual circumstances. Not all consumers or debts are eligible for a debt settlement program. Creditors are not required to settle, and no specific settlement amount or percentage is promised. Century’s fee for a settled debt is earned only after Century obtains a settlement agreement from your creditor, you approve that agreement, and at least one payment is made to the creditor or debt collector under that settlement. Fees are assessed settlement by settlement and vary by state. Fees are not charged up front.
Separate disclosed third-party account-provider fees may apply. The use of debt resolution services will adversely affect your creditworthiness. Settling debts for less than the full balance may have tax consequences; consult a qualified tax professional. References to the CFPB, FTC, and other government sources are for informational purposes only. Century Support Services is not affiliated with, endorsed by, or sponsored by any government agency. A no-obligation initial consultation involves no fee and no obligation to enroll. Century Support Services is accredited by the Association for Consumer Debt Relief (ACDR).
Mike Leuthold
Mike Leuthold is a seasoned executive with over 18 years of experience in the client financial distress industry, bringing a strong balance of operational leadership and consumer advocacy to his work.