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OneMain Financial Personal Loans

in Personal Loans from OneMain Financial

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OneMain Financial Personal Loans

Claimed

in Personal Loans from OneMain Financial

SuperMoney Net Recommendation Score -67% 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

3 users recommend
3 users are unsure
21 users don't recommend
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Highlights
Highlights
Community Rating Strongly not recommended
Loan Amount $1,500 - $30,000
APR (Fixed APR) 16% - 36%
Loan Term (Months) 24 - 60
Number of Reviews 27

Overview

Where does OneMain Financial Personal Loans do business?

OneMain Financial Personal Loans is a direct lender based in Evansville, IN. Founded in 1912, OneMain Financial Personal Loans offers access to personal loans 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 16% APR up to 36% 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 $30,000.

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 - $30000
Loan Term 24 - 60 months
APR 16% - 36%

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 a loan with OneMain Financial Personal Loans?

Applicants with a credit score of at least 540 can apply for a loan via OneMain Financial Personal Loans . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify for a OneMain Financial Personal Loans 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 Personal Loans. 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
OneMain Financial Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Joint Applications Accepted? Yes
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.
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Contact

  • Headquarters
  •   601 NW 2nd Street, Ste 300
    Evansville, IN 47708 USA
  •   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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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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

Reviews

 
 

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