Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
23.00% - 49.90%(Verified 06/21/2024)
Amount Range
$500 - $3,000
Loan Term (Months)
5 - 20
OneBlinc Personal Loan Review
OneBlinc Personal Loan is offered by OneBlinc, LLC, a nonbank financial services provider founded in 2018 and based in Dania Beach, FL. OneBlinc Personal Loan are available in 23 states and Washington, DC.
Key Takeaways
- APRs starting at 23.00%. Personal loan interest rates typically range between 9% and 36%. The starting rates for OneBlinc Personal Loan are on the higher end of the spectrum.
- Short loan terms. OneBlinc Personal Loan have loan terms as short as 5 months.
OneBlinc Personal Loan Pros & Cons
| Pros | Cons |
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OneBlinc Personal Loan FAQ
What interest rates and personal loan terms does OneBlinc Personal Loan offer?
OneBlinc Personal Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does OneBlinc Personal Loan offer?
OneBlinc Personal Loan offers a fixed APR personal loan product that ranges from 23.00% APR up to 49.90% APR.
How much can you borrow via OneBlinc Personal Loan?
Personal loan amounts start at $500.00 and go up to $3,000.00
What is the maximum loan term you can get with OneBlinc Personal Loan?
OneBlinc Personal Loan offers loans with terms of up to 20 months.
| Personal Loan Amount | $500.00 - $3000.00 |
| Loan Term | 5 - 20 months |
| APR | 23.00% - 49.90% |
What fees does OneBlinc Personal Loan charge?
Does OneBlinc Personal Loan charge an origination fee?
OneBlinc Personal Loan may charge a personal loan origination fee .
Does OneBlinc Personal Loan charge a late fee?
OneBlinc Personal Loan does not disclose whether it charges late payment fees.
Does OneBlinc Personal Loan charge prepayment fees?
No, OneBlinc Personal Loan 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 | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for OneBlinc Personal Loan?
OneBlinc Personal Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. OneBlinc Personal Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by OneBlinc Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does OneBlinc Personal Loan report your account activity to credit bureaus?
Yes, OneBlinc Personal Loan reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does OneBlinc, LLC perform a hard credit pull?
Yes, OneBlinc Personal Loan 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 OneBlinc Personal Loan legit?
OneBlinc, LLC was founded in 2018. It is an established company that has been in business for 8 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed