Getting a personal loan from OneMain Financial is simple. Here's your step-by-step guide from application to funding.
From application to funding, we've streamlined the process to get you the money you need as quickly as possible.
5-minute application. No credit score impact.
Compare personalized loan options.
Fast approval with local specialist support.
Same-day funding available.
Quick, easy, and secure application process
Getting started with OneMain Financial is incredibly simple. Our online application takes just 5 minutes to complete and won't impact your credit score during the pre-qualification stage.
You have three convenient ways to apply:
Pre-qualification is a soft credit inquiry that lets you see potential loan offers without affecting your credit score. This is a risk-free way to explore your options before committing to a full application.
Your information is protected with bank-level encryption (256-bit SSL). We never sell your personal data to third parties. All information is used solely for evaluating your loan application and is kept confidential in accordance with our privacy policy.
Compare options and choose what works best for you
After completing your pre-qualification, you'll receive personalized loan offers based on your unique financial situation. Each offer includes clear, transparent details about rates, terms, and monthly payments.
Your loan offer will include the following key information:
You may receive multiple loan offers with different terms. Here's how to choose:
If you're offered both secured and unsecured loans, consider:
If you have questions about your offers or need help deciding, you can:
Submit documentation and receive your final approval
Once you've chosen your loan offer, it's time to complete the full application and submit any required documentation. This is where we verify your information and move toward final approval.
To complete your application, please have these documents ready:
If you're self-employed, you may also need to provide:
Our team will verify your documentation to ensure:
At this stage, we'll conduct a hard credit inquiry, which may temporarily affect your credit score by a few points. This is a standard part of the approval process and is necessary to finalize your loan terms.
Throughout this process, a dedicated loan specialist will:
Most applications are approved within minutes to a few hours. However, approval time can vary based on:
Once approved, you'll review and sign your loan agreement, which includes:
Get your money fast and start using it right away
Congratulations! Your loan is approved and it's time to receive your funds. OneMain Financial offers multiple funding options to get you your money as quickly as possible.
Our fastest funding option! If you're approved before noon (local time) and choose SpeedFunds, you can access your loan proceeds the same day using a bank-issued debit card. Here's how it works:
The most common funding method, ACH transfer deposits your loan directly into your bank account:
Once the money is in your account, you're free to use it for your intended purpose:
Your first payment will typically be due approximately 30 days after your loan closes. You'll receive:
To make repayment as easy as possible, we recommend setting up automatic payments:
You have multiple ways to make your payments:
After receiving your funds, make sure to:
Remember, OneMain Financial does not charge prepayment penalties! If you receive extra money or want to pay off your loan early, you can do so at any time and save on interest charges.
Our customer support team is here to help with any questions or concerns:
Gather necessary documents including ID, proof of income, bank account information, and any collateral details (if applying for secured loan).
Complete online application or visit a branch. Pre-qualification results typically appear within minutes.
Review your personalized loan offers, compare terms, and select the option that best fits your needs and budget.
Submit required documents and complete verification process. This may include employment verification and additional information requests.
Receive final approval decision. Most applications are approved same-day if all documentation is complete and submitted early.
Review and sign your loan agreement electronically or in person. Make sure you understand all terms before signing.
Same-day funding via SpeedFunds (if approved before noon) or 1-2 business days via ACH transfer to your bank account.
Having all necessary documents ready before you start saves time and ensures you can complete your application in one session without delays.
Calculate what monthly payment you can comfortably afford before applying. Use our loan calculator to find the right amount and term for your situation.
Review your credit report before applying to understand your credit standing and correct any errors that might affect your approval or rate.
Don't hesitate to ask our loan specialists questions about anything you don't understand. We're here to help you make informed decisions.
If you need same-day funding, apply before noon to maximize your chances of receiving SpeedFunds the same day.
Check your email and phone regularly during the application process. Quick responses to our requests help speed up approval and funding.
Apply now and get a decision in minutes. No impact to your credit score during pre-qualification.
Start Your ApplicationQuestions? Call us at 1-800-290-7002 or visit a branch near you