OneMain Financial Review
OneMain Financial offers personal loans with in-person service at 1,400+ branches, specializing in fair and poor credit borrowers.
APR Range
18.00% – 35.99%
Loan Amount
$1,500 – $20,000
Min. Credit
No minimum published
Funding Speed
Same day (at branch) to 1–2 business days
OneMain Financial Personal Loan Review
OneMain Financial is the go-to lender for borrowers who prefer face-to-face service or have credit challenges that online lenders can't solve. With over 1,400 branches nationwide, they offer both secured and unsecured personal loans. Their secured option (using your car as collateral) can unlock approval for borrowers who'd be denied elsewhere. OneMain considers the whole picture — income, expenses, and credit history — not just a number.
Best For
Borrowers with poor credit who want in-person service and secured loan options
Pros
- 1,400+ physical branches for in-person service
- Accepts borrowers with poor credit
- Secured loan option using vehicle as collateral
- Co-signer/co-borrower option
- Considers full financial picture beyond credit score
Cons
- Origination fee varies by state (typically 1–10%)
- Higher APR than online-only lenders
- Maximum loan of $20,000
- Late fees apply
Loan Details
| APR Range | 18.00% – 35.99% |
| Loan Amounts | $1,500 – $20,000 |
| Repayment Terms | 24 – 60 months |
| Minimum Credit Score | No minimum published |
| Funding Speed | Same day (at branch) to 1–2 business days |
| Fees | Origination fee varies by state. Late fees apply. No prepayment penalty. |
Key Features
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Compare Other Lenders
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| LightStream Excellent credit borrowers wanting the absolute lowest rates | 7.49% – 25.49% | $5,000 – $100,000 | 700 | Same day (with bank account verification) | Check Rate | |
| Upgrade Fair-credit borrowers who want flexibility and joint applications | 9.99% – 35.99% | $1,000 – $50,000 | 580 | 1 – 5 business days | Check Rate | |
| Best Egg Good-credit borrowers who need fast funding | 8.99% – 35.99% | $2,000 – $50,000 | 640 | Same day to next business day | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate |
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OneMain Financial at a Glance
- Rating
- APR
- 18.00% – 35.99%
- Amount
- $1,500 – $20,000
- Min. Score
- No minimum published
- Funding
- Same day (at branch) to 1–2 business days