OneMain Financial Personal Loans

in Personal Loans from OneMain Financial

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OneMain Financial Personal Loans


in Personal Loans from OneMain Financial

SuperMoney Net Recommendation Score -61% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

4 users recommend
3 users are unsure
21 users don't recommend
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Community Rating Strongly not recommended
Loan Amount $1,500 - $20,000
APR  (Fixed APR) 18% - 35.99%
Loan Term 24 - 60 months
Number of Reviews 28

OneMain Financial Personal Loans Review

OneMain Financial Personal Loans is offered by OneMain Financial, a direct lender founded in 1912 and based in Evansville, IN. OneMain Financial Personal Loans is available in 44 states across the USA.

What rates and terms does OneMain Financial Personal Loans offer?

OneMain Financial Personal Loans has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does OneMain Financial Personal Loans offer?

OneMain Financial Personal Loans offers a fixed APR personal loan product that ranges from 18% APR up to 35.99% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via OneMain Financial Personal Loans?

Loan amounts start at $1,500 and go up to $20,000.

What can a personal loan from OneMain Financial Personal Loans be used for?

Personal loans from OneMain Financial Personal Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with OneMain Financial Personal Loans?

OneMain Financial Personal Loans 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.

OneMain Financial Personal Loans Rates & Terms
Loan Amount $1500 - $20000
Loan Term 24 - 60 months
APR 18% - 35.99%

What fees does OneMain Financial Personal Loans charge?

Does OneMain Financial Personal Loans charge an origination fee?

OneMain Financial Personal Loans charges a loan origination fee of 0% to 5% of the loan amount. OneMain Financial Personal Loans 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 Personal Loans charge a late fee?

Yes, OneMain Financial Personal Loans may charge borrowers a late payment fee

Does OneMain Financial Personal Loans charge prepayment fees?

No, OneMain Financial Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

OneMain Financial Personal Loans Fees
Origination Fee 0% - 5%
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for OneMain Financial Personal Loans?

Applicants with a credit score of at least 540 and up to 700 are eligible for OneMain Financial Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for personal loans with OneMain Financial Personal Loans, applicants need a minimum annual income of $7,200 or higher.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via OneMain Financial Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by OneMain Financial Personal Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit
OneMain Financial Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Cosigners
  • Individual Applications
  • Credit Score 540 - 700

    What is the estimated funding time for a personal loan via OneMain Financial Personal Loans?

    OneMain Financial Personal Loans will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 business days of approval.

    ONEMAIN FINANCIAL PERSONAL LOANS Disclosure: Not all applicants will qualify for larger loan amounts or most favorable loan terms. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Maximum APR is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. The lowest APR shown represents the 10% of loans with the most favorable APR. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z, such as college, university or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes. Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600. Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
    SUPERMONEY Disclosure: 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...


    • Headquarters
    •   601 NW 2nd Street, Ste 300
      Evansville, IN 47708
    •   Visit Site

    Message from OneMain Financial

    For over 100 years, we’ve been helping hard-working people tackle life’s challenges by providing the help you need when you need it. Our loan experts are from your community, understand your unique situation, and will treat you with honesty, dignity, and respect. Our goal is to deliver the best customer experience and empower you to take control of your finances.

    Other Services by OneMain Financial

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    View all personal loans offered by OneMain Financial


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      Available in 44 states
    • Alaska
    • Arizona
    • California
    • Colorado
    • Delaware
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    No Prepayment Fee  
    Origination Fee (%) 0% - 5%
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Cosigner
    • Individual Applications
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Minimum Annual Income $7,200
    Supported Income Types Direct Deposit (W2, SSA, SSDI)
    Verification Documents Required
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    Credit Score Range 540 - 700
    Loan Amount $1,500 - $20,000
    APR (Fixed APR) 18% - 35.99%
    Loan Term 24 - 60 months

    OneMain Financial Personal Loans Community Reviews


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