Last Updated: 04/18/2025
OneMain Financial Personal Loans
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in Personal Loans from OneMain Financial
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -37
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OneMain Financial Personal Loans Review
Key Takeaways
- APRs starting at 18%. Personal loan interest rates typically range between 9% and 36%. The starting rates for OneMain Financial Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Prequalified rate. You can check your prequalified rate at OneMain Financial with a soft pull that will not affect your FICO or VantageScore.
- Origination fees of 1% to 10%. This is on the high end for lenders on SuperMoney's database. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
One Main Financial Pros & Cons
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One Main Financial FAQ
What interest rates and personal loan terms does One Main Financial offer?
What interest rates does One Main Financial offer?
How much can you borrow via One Main Financial?
What is the maximum loan term you can get with One Main Financial?
| Personal Loan Amount | $1500 - $20000 |
| Loan Term | 24 - 60 months |
| APR | 18% - 35.99% |
What fees does One Main Financial charge?
Does One Main Financial charge an origination fee?
Does One Main Financial charge a late fee?
Does One Main Financial charge prepayment fees?
| Origination Fee | 1% - 10% |
| Prepayment Fee | No |
| Late Payment Fee | $5 - $30 |
What do you need to qualify for OneMain Financial Personal Loans?
OneMain Financial Personal Loans 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.- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | N/A |
What is the estimated funding time for a personal loan via One Main Financial?
Does OneMain Financial Personal Loans report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does OneMain Financial perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.Are OneMain Financial Personal Loans legit?
OneMain Financial Personal Loans Disclosure: Not all applicants will be approved. 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). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. 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. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; 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. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600. Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
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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.
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