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.
Partner Disclosure
Although we don't cover every financial product or company, we strive to offer a diverse selection of offers and objective editorial viewpoints from the Max Cash content team. Our partners and affiliates, which include some of the lenders we may recommend, have no bearing on our editors' opinions or ratings, which are dependent on internal opinion and derived from analysis and research. You can find a list of our partners here.
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
|
|
|
|
|
| Max Cash's Rating | |||
| Repayment Terms | 24 to 60 months | Depends on Product Type and Varies by State⁴ | Typically 24-48 months |
| Funding Timeline | Receive funds on the same day or by the next business day | Receive funds as little as 30 minutes or the same business day¹ ⁵ | Receive funds on the same day or by the next 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 |
TitleMax loans are known for their quick funding and flexible approval process but may have shorter repayment terms.4 Applying for a loan in person or online is an option.5 |
LoanCenter can help borrowers online or in-store to receive up to $50,000 based on the equity in their vehicle.1 With a quick approval process, funds may be received as soon as the next business day.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.
Ready to See if You Qualify for Funding?
Partner Disclosure
Although we don't cover every financial product or company, we strive to offer a diverse selection of offers and objective editorial viewpoints from the Max Cash content team. Our partners and affiliates, which include some of the lenders we may recommend, have no bearing on our editors' opinions or ratings, which are dependent on internal opinion and derived from analysis and research. You can find a list of our partners here.