Strongly not recommended
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Where does OneMain Financial do business?
OneMain Financial is based in Irving, TX. It was founded in 1912 and offers access to personal loans in 44 states across the USA.
What are the APRs offered via OneMain Financial?
OneMain Financial offers personal loans with APRs starting at 16% and up to 36%.
Does OneMain Financial charge an origination fee?
Yes, OneMain Financial charges a loan origination fee of 1% to 5% of the loan amount. OneMain Financial deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.
Does OneMain Financial charge a late fee?
Yes, OneMain Financial may charge borrowers a late payment fee
Does OneMain Financial charge prepayment fees?
No, OneMain Financial does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
How much can you borrow via OneMain Financial?
Loan amounts start at $1,500 and go up to $25,000.
What is the maximum loan term you can get with OneMain Financial?
OneMain Financial offers personal loans with terms ranging from 24 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What do you need to qualify for a loan with OneMain Financial?
Applicants with a credit score of at least 540 can apply for a loan via OneMain Financial. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.
To qualify for a OneMain Financial loan, applicants need a minimum annual income of $7,200 or higher.
Active duty servicemembers and their covered dependents are eligible to apply for a loan via OneMain Financial. Their rates fall within the limits of The Military Lending Act.
Only U.S. citizens and permanent residents can apply for a loan.
To qualify, applicants may need to provide the following documentation:
- Driver's license
- Proof of citizenship or residence permit
- Recent pay stubs
- Proof of income
What is the estimated funding time for a personal loan via OneMain Financial?
OneMain Financial will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 business days of approval.
Irving, TX 75039 USA
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Other Services by OneMain Financial
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- South Carolina
- South Dakota
- West Virginia
- Active Duty Military
- Military Dependent
- Direct Deposit (W2, SSA, SSDI)
- U.S. Citizen
- U.S. Permanent Resident
- Proof of Income
- Recent Pay Stubs
- Driver License (or other photo ID)
- Proof of citizenship/residence (Green Card)
- Automatic Payments
- Check by mail
- Credit/Debit Card