For over 100 years, OneMain Financial has helped borrowers with personal loans ranging from $1,500 to $20,000, whether for consolidating debt, home repairs, or whatever unexpected financial need.1 Apply either online or at one of their 1,300 branch locations across the U.S. and be funded as soon as an hour in some instances, if approved.
Pros and Cons of OneMain Financial
OneMain Financial can be a viable choice for individuals seeking quick and flexible financial solutions through personal loans.5
- Applicants with no or bad credit may be eligible for personal loans
- Fixed loan rates from 18.00% to 35.99%
- No prepayment penalties or fees3
- Approved borrowers may receive funding the same day or by the next business day5
- A loan origination fee is charged, varying by state and amount
- Not available nationwide
- Late payment fees range from 1.5% to 15%
How OneMain Financial Compares
to Other Options
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| Max Cash's Rating | |||
| Repayment Terms | 24 to 60 months | N/A | 6-60 month terms |
| Funding Timeline | Receive funds on the same day or by the next business day | Receive funds on the same business day | Receive funds in as little as one business day |
| Bottom Line | OneMain Financial is a well-established, 100+ year old lender offering personal loans up to $20,000, for many financial needs.1 Eligible applicants may even receive funding the same or by the next business day, if approved.5 |
For those without a checking account or poor credit, Justice Finance can offer personal loans up to $1,760 with no collateral required.1 Apply online, in-store, or by phone with same-day funding possible, but available only in the DFW area.5 |
America's Loan Company can only cater to residents of Ohio, but there is a quick approval process and qualified borrowers can access refinancing options.5 |
Frequently Asked Questions about
OneMain Financial
OneMain Financial is a legitimate business that has been operating since 1920 with over 1,300 store locations.
Call (800) 961-5577, or find the nearest branch location here.
OneMain Financial is accredited by the Better Business Bureau (BBB) and has an A- rating.
