100+ Years Experience
Founded in 1912, we've helped Americans achieve their financial goals for over a century.
Personal Loans You Can Count On
Get $1,500 to $20,000 with same-day funding available. Over 100 years of trusted lending experience serving millions of Americans nationwide.
Check Your Rate Now - No Credit Impact100+Years of Service
1,300+Branches Nationwide
$1.5B+Funded Monthly
4.8/5Customer Rating
Why Trust OneMain Financial?
Fully Licensed & Regulated
NMLS #1339418. We comply with all federal and state lending regulations including TILA.
NYSE Listed (OMF)
Publicly traded company maintaining the highest standards of transparency.
BBB Accredited A+ Rating
Better Business Bureau accredited demonstrating our commitment to ethical practices.
What Our Customers Say
★★★★★
"The team at OneMain made my loan experience incredibly smooth. I was approved within hours and had funds in my account the same day."
Michael R.
✓ Verified
Houston, TX
★★★★★
"I was nervous about applying with my less-than-perfect credit, but OneMain worked with me. They found a solution that fit my budget."
Sarah L.
✓ Verified
Columbus, OH
★★★★★
"After comparing multiple lenders, OneMain offered the best combination of rate and service. No prepayment penalty made them the clear choice."
David K.
✓ Verified
Jacksonville, FL
4.8/5 Rating from 125,000+ Reviews
Why Choose OneMain Financial?
Same-Day Funding
Get approved before noon and receive your funds the same day with our SpeedFunds option.
Personal Service
Meet with a local loan specialist at 1,300+ branches for personalized guidance.
All Credit Welcome
We consider all credit types. No minimum credit score requirement.
No Hidden Fees
Fixed rates and clear terms. No prepayment penalties—pay off early and save.
Your Guide to Personal Loans at OneMain Financial
OneMain Financial has been a trusted name in personal lending for over 100 years. Whether you're looking to consolidate debt, finance home improvements, cover medical expenses, or handle emergency repairs, our personal loans offer a straightforward solution with fixed rates.
Understanding Your Loan Options
We offer both secured and unsecured personal loans ranging from $1,500 to $20,000. Our loan terms are flexible, spanning 24 to 60 months, allowing you to choose a repayment schedule that fits your budget.
Who We Serve
Unlike many online lenders, OneMain Financial welcomes applicants across the credit spectrum. We don't rely solely on credit scores—our experienced specialists review your complete financial picture.
How We Help You Succeed
- Free Credit Score Monitoring: Track your progress with monthly updates
- Financial Education Resources: Access guides and tools to improve literacy
- Flexible Payment Options: Pay online, by phone, mail, or in person
- Dedicated Support: Customer service Monday-Friday, 8am-8pm ET
⚠️ Important Note: While we're proud of our high approval rates, responsible lending means we can't approve every application. We carefully evaluate each request to ensure the loan is manageable for you.
Real Results for Real People
- Debt Consolidation: Combine multiple high-interest debts into one payment
- Home Improvements: Finance necessary repairs or upgrades
- Auto Repairs: Keep your vehicle running when issues arise
- Medical Expenses: Cover healthcare costs not paid by insurance
- Major Purchases: Buy essential items without depleting savings
Your Financial Journey Starts Here
At OneMain Financial, we believe everyone deserves access to responsible credit. Our application process is quick—most customers complete pre-qualification in about 5 minutes with no impact to their credit score.
How It Works
1
Apply Online
Quick 5-minute application. Check your rate with no credit impact.
2
Review Offers
Compare personalized loan options tailored to your needs.
3
Get Approved
Fast approval process with support from local specialists.
4
Receive Funds
Get your money as soon as the same day if approved before noon.
Frequently Asked Questions
What credit score do I need to qualify?▼
OneMain Financial considers applicants across the credit spectrum. We don't have a minimum credit score requirement—we look at your overall financial picture including income, employment, and existing debts.
How quickly can I get my money?▼
If you're approved before noon, you could receive your funds the same day through our SpeedFunds option using a bank-issued debit card. ACH transfers typically take 1-2 business days.
Are there any prepayment penalties?▼
No! OneMain Financial does not charge prepayment penalties. You can pay off your loan early and save on interest without any additional fees.
What's the difference between secured and unsecured loans?▼
An unsecured loan doesn't require collateral, while a secured loan uses your vehicle as collateral. Secured loans typically offer lower interest rates.
Can I apply if I'm self-employed?▼
Yes! We work with self-employed individuals. You'll need to provide documentation of your income, such as tax returns or bank statements.
Your Security Is Our Priority
🔒256-bit SSL Encryption
✓BBB A+ Accredited
🛡️FDIC Member
📜NMLS Licensed
🏛️State Regulated