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OneMain Financial

OneMain Financial Overall rating: ★★★☆☆ 2.9 based on 19 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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OneMain Financial logo

OneMain Financial is an online lender that provides personal loans to people with all types of credit. Since 1912, the lender has provided loans to over 10 million customers. The company has nearly 1,600 branches across 44 states.

Company name OneMain Financial
Founded 1912
Address 601 NW 2nd St, Evansville, Indiana, 47708, United States
Phone number
(812) 424-8031
OneMain Financial website


  • Experienced and popular lender
  • Loans from $1,500 to $20,000
  • Soft credit check to pre-qualify
  • Offers joint and secured loans
  • Flexible repayment terms
  • Funding the same or next business day
  • Easy online application process
  • Informative website
  • Accepts joint applications
  • Clearly discloses rates and terms on the website
  • No prepayment fee
  • Reports payments to three major credit bureaus
  • Convenient mobile app to manage loan
  • Bad credit is OK


  • Branch visit may be required
  • High rates
  • Origination fee
  • No direct payment to creditors on debt consolidation loans
  • Not available nationwide

Bottom line

OneMain Financial may be a great place to apply for a payday loan if you have poor credit. But it’s important that you consider other options in your area and compare them to get the lowest rates. Make sure you can afford to repay a loan on time and always make your payments as agreed with the lender to build a good credit history. But you will have to search elsewhere if you live in Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island or Vermont.

Types of loans

OneMain Financial offers loans ranging from $1,500 to $20,000, though some states have higher minimums and lower maximums. regretfully, The lender does not offer small loans like $100 or $500 loans.

APR usually ranges between 18% to 35.99%, depending on several factors, including your credit score, monthly income, the presence of outstanding debts, etc.

Repayment terms usually rage between 24 and 60 months.

OneMain Financial has no minimum credit score requirement for eligibility, but it does allow customers to provide collateral if they need a secured loan.

Eligibility criteria

To get approved for a personal loan with OneMain Financial, you will need to meet with the following borrower requirements:

  1. Be at least 18 years of age;
  2. Have a valid government-issued ID;
  3. Provide proof of residence;
  4. Provide proof of income.

Category: Online Loans

Tags: Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming

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OneMain Financial Reviews

These guys are a joke. They declined me for a loan, although I had already taken out loans from them and repaid them all on time. I will never do business with OneMain Financial again. Waste of time, no customer support. I do not recommend this lender to nobody ever.
- Raelyn Hall

The lady on the phone was very professional and understanding. She answered all my questions in the shortest time. I can say that they are very trusted and reputable. I appreciate their professionalism.
- Johnny Butler

Service was amazing, great staff, they were very attentive to my needs. The entire process was easy and straightforward
- Arianna Horton

OneMain Financial is the only lender I trust when I need fast cash! They are very reliable, and help people quickly. All of their employees are very educated in finances. They are always happy to help you out, explaining every detail to you in simple words. They will help you when other lenders won’t. I surely recommend them. I am very happy.
- Athena Tyler

The employees are exceptional in the way they treated me. Felt like a VIP person. In other words, great company, I can recommend
- Clayton Campbell

They have always been kind and friendly. Rates are high but they are all disclosed on the website.
- Adeline Stewart

Interest rates are sky-high. I would not recommend them. Search elsewhere.
- Thea Waters

The guys from the customer support are pretty rude. I changed my mind and refused a loan offer because of that. You don’t want to do business with those kinds of people.
- Rylan Wood

Their loans are very expensive. I found a better rate from another lender. But I tried.
- Cecilia Garcia

I took out a personal loan to pay for car repairs. Monthly payment is S420. Of which $6.00 goes to principal and the rest interest. Total ripoff.
- Miracle Houston

I am satisfied with the service but would like lower interest rate. In general, great experience
- Donovan Gomez

The interest rates are ridiculous!! I regret trusting the person to whom I consulted before applying for a loan. I do not recommend anyone applying with One Main Financial!!!!!
- Julian Howard

I wish I could give this lender a zero rating. One Main changed the loan terms without my knowledge. Is it even legal??
- Paxton Barnes

Seems like they are not interested in giving you a loan. All people I talked to on the phone are not friendly and rude. Don’t mess with these people!
- Ellie Patterson

I needed an unsecured loan to pay for my son’s education. Applied for a personal loan with OneMain and was declined for no reason. What a waste of time. Cannot recommend this lender to anyone.
- Malia King

The staff is amazing…they are always happy to answer any questions. I can’t say anything bad about the branch in Hawaii. These guys are simply awesome. I appreciate what they did for me
- Selena Martin

I have been with OneMain Financial for three years…they are very friendly, rates are competitive. Everyone is kind and helpful, every time i apply..
- Emilia Kelly

Staff was pleasant, professional and understanding. The lady answered all my questions. Applied online and received the loan within 24 hours. Overall, it was a nice experience!
- Maria Fischer

The staff guy was rude…. I was not interested and talked negatively about me. If I was not in need of money I would not have gone through this process. I will not use or recommending OneMain Financial to anyone. Although all previous experiences with this lender were great!!!!
- Jaxson Castillo

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