iLoan Personal Loans is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
11.24% - 36%(Verified 06/21/2024)
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Amount Range
$2,550 - $25,000
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Loan Term (Months)
24 - 60
iLoan Personal Loans Review
iLoan Personal Loans is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
iLoan Personal Loans is offered by OneMain Financial, a direct lender founded in 1912 and based in Evansville, IN. iLoan personal loans are available in 14 states.
Key Takeaways
- APRs starting at 11.24%. Personal loan interest rates typically range between 9% and 36%. The starting rates for iLoan Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, OneMain Financial will send the money in as little as 24 hours.
- Origination fees of 0% to 5%. This is average for lenders that charge origination fees. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
iLoan personal loans Pros & Cons
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iLoan personal loans FAQ
What interest rates and personal loan terms does iLoan personal loans offer?
iLoan personal loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does iLoan personal loans offer?
iLoan personal loans offers a fixed APR personal loan product that ranges from 11.24% APR up to 36% APR.
How much can you borrow via iLoan personal loans?
Personal loan amounts start at $2,550 and go up to $25,000
What is the maximum loan term you can get with iLoan personal loans?
iLoan personal loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $2550 - $25000 |
| Loan Term | 24 - 60 months |
| APR | 11.24% - 36% |
What fees does iLoan personal loans charge?
Does iLoan personal loans charge an origination fee?
iLoan personal loans may charge a personal loan origination fee of 0% to 5% of the personal loan amount . iLoan personal loans deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does iLoan personal loans charge a late fee?
iLoan personal loans does not disclose whether it charges late payment fees.
Does iLoan personal loans charge prepayment fees?
No, iLoan personal loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 0% - 5% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for iLoan Personal Loans?
Applicants with a credit score of at least 540 and up to 640 may be eligible for iLoan Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. iLoan Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 540 - 640 |
What is the estimated funding time for a personal loan via iLoan personal loans?
iLoan personal loans will typically fund loans within 1 to 7 business days of approval and clearing necessary verifications.
Does OneMain Financial perform a hard credit pull?
Yes, iLoan personal loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are iLoan Personal Loans legit?
OneMain Financial was founded in 1912, it is a well-established company that has been in business for 114 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
iLoan Personal Loans Disclosure: Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) and the availability of collateral in certain states. Loan amounts subject to state specific minimum or maximum size restrictions. Collateral offered must meet our criteria. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral. CA minimum loan amount is $3,000. GA minimum loan amount is $3,100.
CA: Loans made pursuant to a California Department of Business Oversight Finance Lenders License.
Loans through the iLoan website are made and serviced by OneMain Consumer Loan, Inc., a Delaware corporation.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from iLoan personal loans
Hours of Operation
Sunday
Closed
Monday
5:00AM - 5:00PM
Tuesday
5:00AM - 5:00PM
Wednesday
5:00AM - 5:00PM
Thursday
5:00AM - 5:00PM
Friday
5:00AM - 5:00PM
Saturday
Closed
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Other Personal Loans from OneMain Financial
APR
18% - 35.99%
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Amount Range
$1.5K - $20K
Loan Term (Months)
24 - 60
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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iLoan Personal Loans Community Reviews
Would you recommend iLoan Personal Loans to your friends?
MaryLynn S.
Apr 6, 2018
May or may not recommend
I am not giving iLoan a poor review because I didn't get a loan through them, I am giving them a poor review because they led me and my co-signer believe that there would be absolutely "NO PROBLEM" getting a loan,especially since my co-signer's credit score is 880!!! My credit score is 727, and yet they denied us!! They led us on for 3 weeks, asking for all ...Show More
U
Anonymous
Mar 24, 2016
May or may not recommend
Most of my account was handled via the website which is very easy to use almost simple. The few calls I had for follow up were handled by professional individuals who were both polite and helpful. something that is lacking in most business dealings these days. I give them 5 full stars and would recommend them to anyone without hesitation!
Showing 2 of 2 reviews
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