Personal Loan Services for Every Need

Whether you need funds for debt consolidation, home improvement, or unexpected expenses, we offer flexible personal loan options designed to fit your unique financial situation.

Secured & Unsecured Options

$1,500 to $20,000

Fixed Monthly Payments

All Credit Types Welcome

Check Your Rate

Person reviewing personal loan options on laptop with financial documents

$1,500 - $20,000

Personal Loan Amounts

Our Personal Loan Types

Choose the loan type that best fits your financial situation and goals. We offer both secured and unsecured personal loan options.

Unsecured Personal Loan

No collateral required. Borrow based on your creditworthiness alone. Perfect for those who don't want to risk personal assets.

No collateral required
Loan amounts $1,500 - $20,000
APR from 18.00% - 35.99%
Terms from 24 - 60 months

Apply for Unsecured Loan

Lower Rates

Secured Personal Loan

Use your vehicle or other assets as collateral to potentially secure a lower interest rate. Great for those seeking the best rates.

Potentially lower APR
Vehicle or asset as collateral
Higher approval chances
Keep driving your vehicle

Apply for Secured Loan

What Can You Use a Personal Loan For?

Personal loans from OneMain Financial can be used for virtually any purpose. Here are some common uses:

Credit cards being consolidated into single payment

Debt Consolidation

Combine multiple debts into one manageable monthly payment with a potentially lower rate.

Home Improvement

Fund renovations, repairs, or upgrades to increase your home's value and comfort.

Medical Expenses

Cover unexpected medical bills, surgeries, or treatments not covered by insurance.

Major Purchases

Finance large purchases like appliances, furniture, or special occasions.

Moving & Relocation

Cover the costs of moving to a new home, including deposits and moving services.

Auto Repairs

Fix unexpected car problems to keep you on the road and maintain your transportation.

Compare Our Loan Options

See how our secured and unsecured personal loans compare to help you make the right choice.

Feature	Unsecured Loan	Secured Loan
Collateral Required	✗ No	✓ Yes (Vehicle/Asset)
Loan Amount	$1,500 - $20,000	$1,500 - $20,000
APR Range	18.00% - 35.99%	Potentially Lower
Approval Time	Same Day Possible	Same Day Possible
Credit Requirements	All Credit Types	All Credit Types
Fixed Rates	✓ Yes	✓ Yes
No Prepayment Penalty	✓ Yes	✓ Yes

Why Choose OneMain Financial Personal Loans

We've been helping Americans achieve their financial goals for over 100 years.

Same-Day Funding

Get approved and receive funds as soon as the same day you apply.

All Credit Welcome

We consider all credit types, including less-than-perfect credit scores.

1,300+ Branches

Visit a local branch for personalized service and face-to-face support.

No Prepayment Fees

Pay off your loan early without any penalty or extra charges.

How to Get Your Personal Loan

Our simple 4-step process makes getting a personal loan quick and easy.

Apply Online

Complete our simple online application in just 5 minutes.

Get Offers

Review personalized loan offers based on your profile.

Verify Info

Submit required documents for quick verification.

Get Funded

Receive your funds as soon as the same day.

David Chen, Certified Financial Planner and personal loan expert

Expert Financial Guidance

David Chen, CFP® | Senior Financial Advisor

CFP® Certified NMLS Licensed 15+ Years Experience

"Personal loans can be a valuable financial tool when used wisely. Whether you're consolidating debt to simplify your finances or funding an important expense, understanding your options is key. At OneMain Financial, we're committed to helping you find the right loan solution for your unique situation."

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