Product from OneMain Financial

Personal Loan from OneMain Financial - see full info about rates, terms, credit score.

Updated November 29, 2022
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2.5 out of 5
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On partner's site

Check your personal loan rates

scorer
APR Range
18 - 35.99%
scorer
Amount
up to $20,000
scorer
Term
up to 60 months
scorer
Minimum credit score:
Poor (300-579)
scorer
No early payoff penalty
See full info about rates in different states

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Options

Fees

  • Origination fee
    $25 - $500
  • Late fee
    $5 - $30
  • Returned check fees
    $10 - $50

Pros & Cons

Pros:
  • Secured and unsecured options
  • Poor-credit applicants considered
Cons:
  • Origination fee
  • Extra Fees
  • High Rates

Rates

Rates
18 - 35.99%
Term
24 - 60 months
Loan Amount
$1,500 - $20,000
Special conditions in the states listed below:
  • Alabama have a minimum loan amount of $2,100
  • California have a minimum loan amount of $3,000
  • Georgia have a minimum loan amount of $3,100
  • North Carolina have a minimum loan amount of $1,500
  • Ohio have a minimum loan amount of $2,000
  • Virginia have a minimum loan amount of $2,600
List of states where OneMain Financial loan is not available:
  • Alaska
  • Arkansas
  • Connecticut
  • Massachusetts
  • Rhode Island
  • Vermont
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees

Requirements

  • What you need to get approved (Qualifications)
    689 or lower FICO score.
  • Ages

    To qualify, you must be at least 18 years old.

  • Requirements Description
    • Name
    • Address
    • Phone number
    • Email
    • Income details

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Description

  • OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

    You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

    OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

    The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

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