Lender
Rating by Finanso®
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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.

3.0
(55 Ratings)

Apply For OneMain Financial

Advertiser Disclosure

How to apply for a loan?

OneMain Financial website offers a convenient and straightforward way of applying for a loan. Upon clicking the "Check for offers" button, you will immediately start your application process by asking for your desired loan amount. By clicking the "Continue" button, you will be redirected to the second step, where the website will require you to fill in your basic information. Then, the company will require you to upload a copy of a government-issued ID, proof of residency, and income. Eventually, you will proceed to the banking stage and receive your funds.

Requirements

Please note that you have to be at least 18 years old to apply. Here are the other OneMain Financial related requirements you need to provide.

Personal Information: Driver’s license, ID, Social Security card, Passport, Birth certificate, and Proof of income. Income Proof: credit score of 670 minimum, pay stubs, bank statements, and tax/assess returns. Proof of Address: verification of address A verification of address could be a record; utility bill, voter enlistment card, contract statement, and rent agreement.

Application details

Mostly, you will need less than ten minutes on average to finish the application and receive an initial answer. The time it takes to receive a final decision can vary depending on how long it takes to validate your application information. If you need cash urgently, OneMain Financial might be a suitable option. If your application is accepted before noon on a business day, you may be able to get your loan funds that same day. However, if you want to receive funds by direct deposit, it may take one or two business days.

Reasons for rejection

Not all applicants will be eligible for higher loan amounts or the best conditions. The first mortgage on a motor vehicle no more than ten years old must also abide by the value requirements. It should fulfill OneMain Financial's evaluation standards and have valid insurance required for a more significant loan amount. APRs on loans not secured by a car are often higher. The Military Lending Act prohibits active-duty military, spouses, and dependents covered from offering any vehicle as collateral.

OneMain Financial application

FAQ

How long does it take to get approved by OneMain Financial?

You will have less than ten minutes on average to finish the application and receive an initial answer. The time it takes to receive a final decision can vary depending on how long it takes to validate your application. However, if you are a qualified candidate, it usually takes one business day to approve your loan account and proceed with receiving funds.

What credit score do you need to get a loan from OneMain Financial?

OneMain Financial examines applicants' credit scores and alternative data using its own underwriting method. It doesn't have a minimum credit score requirement. Still, it primarily services non-prime borrowers, with the majority of OneMain personal loans coming to customers with credit scores of 689 or below FICO score.

Does OneMain Financial hurt your credit score?

Yes. OneMain Financial performs a hard credit check when funding a loan. This credit report query will most certainly lower your credit score by 5 to 10 points, but you can improve your scores by on-time monthly payments.

Does OneMain Financial require proof of income?

Yes, OneMain Financial will require your proof of income as a relevant part of the eligibility criteria.

Offers
OneMain Financial
OneMain Financial Brightway+℠
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Recommended FinScore™
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300
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1000
Rate
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Interest rate

to 28.49 %
OneMain Financial
OneMain Financial Brightway℠ credit card
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Recommended FinScore™
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300
650
1000
Rate
i

Interest rate

to 28.49 %
OneMain Financial
OneMain Financial Brightway℠+
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Recommended FinScore™
0
300
650
1000
up to $3,000
Rate
i

Interest rate

up to 28.49%
OneMain Financial
OneMain Financial Brightway℠
Rating by Finanso®
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300
650
1000
up to $1,000
Rate
i

Interest rate

up to 28.49%
Rating by Finanso®
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3.846
(21 Ratings)
Recommended FinScore™
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650
1000
1500.00 – 20000.00 $
Rate
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Interest rate

18.00 – 35.99 %
Term
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Loan term for the financial product

24 months – 60 months
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4.25
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Calculate loan payments in OneMain Financial

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

OneMain Financial calculator
Interest rates are given in accordance with the rates of the OneMain Financial of 21.06.2024
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OneMain Financial reviews 2024
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4.4
Pros
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout. Overall, it was a positive experience.
Complain
4.6
Pros
Their customer service is truly outstanding, characterized by remarkably swift response times. I will unquestionably reach out to them again when the need arises.
Complain
4.4
Pros
Dealing with them is hassle-free, and their customer service is commendable. However, it's crucial to note that their interest rates are exorbitantly high. If you're considering a substantial loan, I would strongly advise giving it careful thought, although if the need is pressing, the interest rates might not leave much room for choice.
Complain
4.4
Pros
I've taken out several loans with OneMain Financial in the past year, and I must say that they stand out as one of the top financial companies I've dealt with. They are not only reputable and highly reliable but also offer absolutely outstanding customer service. My interactions with this company have been consistently positive, and based on these experiences, I can confidently say that they've earned my loyalty as a long-term customer. I'm truly grateful for everything they do to help individuals like me who rely on their services.
Complain
2.4
Cons
OneMain offers loans with exceptionally high interest rates, and while the borrowing process itself is relatively straightforward, they declined my application when I needed a loan for something important. I'm not entirely convinced that I would consider returning to them as a lender unless they significantly improve their terms and rates, which are currently quite disappointing.
Complain
4.4
Pros
One Main has incredibly helpful agents who have consistently been there for me, especially during a series of unexpected crises that occurred while I've been their customer. Their support has made difficult times a bit more manageable, and I am truly thankful for their assistance.
Complain
2
Cons
I requested to defer a payment, but instead, they raised my monthly payment from $470 to $570. I was struggling with the original payment, so this increase puts me in a more challenging financial situation. It feels like my concerns are not being addressed or taken seriously by anyone at the company.
Complain
4.4
Pros
One Main Financial provide outstanding service! I was approved on the same day, and the money was in my bank account within the hour—truly remarkable! Their customer service is top-notch.
Complain
2.2
Cons
Extremely disappointing experience. Their APR rates are unreasonably high, and their customer service leaves much to be desired. They made an error by withdrawing funds from my account a month early, causing it to go into the negatives, and they refused to cover the overdraft fees, despite it being entirely their fault.
Complain
4.4
Pros
This marked my first experience with a personal loan, and the ladies in the office made the entire process exceptionally smooth. They demonstrated remarkable patience in answering all my questions, which made me feel at ease throughout.
Complain
Company rating
3.0
/ 5
55 reviews
Application
3.2
Support service
3.0
Mobile App
3.0
Service quality
3.0
Your satisfaction level
3.0
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