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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

OneMain Financial's app


OneMain Financial has a mobile app available in Apple and Google Play stores. You can monitor your monthly payments and the loan funding process, log in to get the loan details of your account anytime you want, record your monthly payments, and examine your history through the app. The actual loan terms and details are stated in the app to guide your transactions. It lets you take pictures of the required loan documents for straightforward verification.

OneMain Financial customers can log in to get their loan account details. The response comes on Monday through Friday, between 9 AM and 5 PM EST. To use the OneMain Financial mobile app, you need to be their client and have a registered account. There is no option to submit a new loan application on the app. Rather, it allows you more control over your own money under the OneMain services. You can create payments, schedule them, prevent yourself from missing any or learn about your credit score. The mobile app is updated monthly with the VantageScore credit score. Customers may use the mobile app to keep track of their financial information by navigating to 4 sections: account, resources, profile, and access to assistance.

OneMain Financial on App Store

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OneMain Financial on Google Play

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How To Download OneMain Mobile App

Android users can download the application from the Google Play Store or directly from the internet. If your device is on iOS, it is available for iPhones, iPads, and iPods in the App Store. Both versions are free.

How To Log In

You need your email and password to log into your mobile app from the Google Play Store or the App Store.

Mobile App Features

Customers of OneMain can use the mobile app to keep track of their financial information. There are four main sections: account, resources, profile, and access to assistance.

The mobile app offers:
  • Access to full account details. You can track financial information, review your loan balance, and get assistance not to miss payments.

  • OneMain services, payment history, and past loan statements check.

  • Full information on your payment details, including the loan amount, payment date, the method or bank you pay from, and ACH payment authorization.

  • Vantage Score view of trends and displays. It also shows the progress or regress of your scores on a scale from red to green.

  • Financial tools like personal loans, debt consolidation, and lifestyle calculators.

  • Personal information view, including your contact information and password change.

  • Your account number is displayed on the top right portion of your monthly statement on your mobile app.

  • You can receive your statements and payment reminders on your email monthly and five days before your payment is due to track your finances easier.

  • Receive push notifications directly to your phone.

  • Text messages may be delivered using automated technology, including autodialers, at the cell phone number you supplied.

  • The resources like articles, tips, and content help you gain more information on different subjects like adjusting your budget when financial priorities shift or ways to improve your credit score.

  • You can see your prequalification for a loan and get emails about your applications, financial products, and services. Steps for this: your contact info, then your financial info; after this, you review and submit.

The mobile app features and interface are the same for iOS and Android, and the apps are free. OneMain Financial offers its customers access to their accounts on the go.


How can I fill out my application?

If you are a first-time customer, you have to register on the OneMain financial website first to fill out your application.

How can I make payments?

You may make ACH payments, go online for your payback, visit a branch to pick up your check, use the OneMain Mobile App to pay in-store, or make recurring payments through Direct Pay.

How can I retrieve my account?

Enter your account information to retrieve your username if you forgot yours. Your username is the email address you used to create an online account to process your application, as long as you provided one on the form. Use that email address as your login name on the OneMain login page. If you forget your password and cannot access your mobile app, provide your email address for further instructions.

Financial products

OneMain Financial
Personal loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™

Effective interest rate on the product

up to 35.99%

Loan term for the financial product

24-60 months

Calculate loan payments in OneMain Financial

OneMain Financial calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

1500 $
20000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with OneMain Financial

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between OneMain Financial and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All OneMain Financial’s reviews by October 2022
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