Best Egg
Debt and credit decisions are stressful without a clear way to track them. Think helped Best Egg make an intuitive set of tools that grew to 1.5 million users.- Research & Product Strategy
- Product Design & Build
- Embedded Teams & Staffing
Overview
Think Company embedded as Best Egg’s design and product partner to grow Best Egg Financial Health, a set of tools for people managing spending, debt, and credit scores. Best Egg’s lending platform was growing fast: $7.5 billion in loans originated for 1.3 million new customers in a single year, and its financial wellness experience needed to keep pace. Over several years, Think worked alongside Best Egg’s product, marketing, and analytics teams, testing new features directly with the customers using them and remaking the platform’s credit experience on a foundation Best Egg could fully own. What started as a handful of new features became one of the largest product initiatives Best Egg had taken on. The real problem sat underneath a missing feature. Best Egg’s financial health experience ran on top of a third-party vendor’s locked-down interface, so every new idea had to bend around someone else’s design. Real progress meant Best Egg partnering directly with a credit bureau for its data and owning the interface built on top of it, instead of layering features onto someone else’s setup. Think helped Best Egg do just that.
About This Client
Best Egg is a U.S. personal loan platform that has facilitated more than $40 billion in loans for over two million customers.
Best Egg’s financial health users doubled to 1.5 million, and that growth alone let Best Egg cross-sell $20 million in loans to customers already becoming more confident with their money.
Results
- Problem
People trying to manage their credit score had no simple way to see it change or know if progress was working.
SolutionWith a goal-tracking feature shaped around real credit data, 20% of credit score tracker users came back to the site week after week.
- Problem
Best Egg’s financial health tools reached a small share of its lending customers, with monthly engagement stuck well below what the platform needed to achieve.
SolutionAfter Debt Manager and a rebuilt credit experience launched, monthly active users doubled to 116,000, and total users doubled to 1.5 million.
- Problem
Best Egg’s credit score feature lived inside a vendor’s locked interface, so every new idea had to bend around someone else’s constraints.
SolutionBest Egg partnered directly with a credit bureau, giving its teams full control over the interface customers actually used.
- Problem
Best Egg was spending heavily on printing and mailing paper bills that most customers didn’t need or want.
SolutionA simple enrollment prompt at login saved Best Egg more than $450,000 in printing and mailing costs during the period it was tracked.
- Problem
Financial wellness features are simple to launch and hard to make people actually trust enough to use.
SolutionBest Egg Financial Health was named Best Financial Education Platform at the 2025 FinTech Breakthrough Awards.