OneMain Financial Review

OneMain Financial offers secured and unsecured personal loans even to bad credit applicants. The minimum amount starts at $1,500. You can get this sum as fast as the same day. You may need to visit a company’s branch. So, check at first if OneMain Financial is available in your state.

One Main Financial Similar Companies

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Instant Loans USA will help you get the cash you need when you need it. You can apply for Payday Loans, or Personal Loans online. Choose the best rates and terms and get the same-day financing.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
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  • $100 - $1000 Payday Loans
  • $5,000 - $35,000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High loan amounts up to $35,000. 
  • Minimal basic requirements.
  • No collateral or co-signer.
  • Bad credit is OK. 
Cons
  • High interest rates.

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

 

 

OneMain Financial offers Personal and Auto Loans as well as other money products at affordable rates online and in-store. 

  • MIN Loan Amount: $1500
  • MAX Loan Amount: $20000
  • Terms: 2 -5 years.
  • Rates and fees: 18% - 35.99% APR
  • Turnaround Time: Same day
Read Full Review
  • Personal Loans
  • Auto Loans
  • Established credit history
  • US citizen or permanent resident
  • Meet your state’s minimum age requirement
Pros
  • Same day funding.
  • Secured loans available. 
  • Poor credit is not a problem.  
  • About 1,700 branches in 44 states.
Cons
  • Strict penalties for late payments. 
  • Available not in all states. OneMain Financial doesn’t operate in the following states: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont and Washington D.C. 
  • Must complete the applying process at a branch store. 
  • If you take out a secured loan, you'll be required a full coverage on the vehicle you use as collateral.

 

Onemain Financial Rates And Fees

MAX Loan Amount

$20,000

MIN APR

18%

Collateral or Guarantor

None, Unsecured

MIN Loan Amount

$1,500

MAX APR

35.99%

Terms

2 - 5 years

Turnaround Time

Same Day

Looking for “One Main Financial Near Me”? One Main Financial Locations

OneMain Financial has nearly 1,600 branches in 44 states. Use the branch locator. Choose your state to find the closest store at your location. You'll get the address, directions, map, working hours, phone numbers of the branch.

  • Alabama
  • Colorado
  • Connecticut
  • Delaware
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Mississippi
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Mexico
  • North Dakota
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Vermont
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
  • District of Columbia

One Main Financial Apply Online

  1. Go to the official website of the company, fill out an application form and find out if you prequalify for the necessary amount.
  2. Go to the local OneMain Financial branch and verify the information.
  3. If you agree with the terms, submit the application and receive the funds.

Loan decisions are made after OneMain Financial reviews your application. Acceptance or denial is based on your financial situation, credit score, and ability to pay back the loan.

One Main Financial requirements

  • A copy of a valid, government-issued ID (e.g. driver’s license or passport)
  • Proof of residence (e.g. a driver’s license with your current address, a utility bill, or a signed lease)
  • Proof of income (e.g. pay stubs or tax returns)

Onemain Financial Loans

OneMain Financial offers unsecured and secured personal loans that can be used for a variety of purposes.

You'll have a fixed loan interest rate, payment, and loan term with no hidden fees.

Depending on your state of residence, you may be able to get a loan between $1,500 and $20,000. Higher loan amounts may be available if you have a good credit history and can support your loan by collateral.

Why Onemain Financial?

  • Clear terms - loans have fixed rates, fixed payments, and no prepayment fees.
  • No minimal credit score requirements.
  • Local branches nationwide, you can meet one-on-one to discuss your options.
  • 100+ years of personal service.
  • Same day money - нou could get your money as soon as the same day if you’re approved by noon.

Onemain Financial Hours

Most OneMain Financial stores operate by the following schedule:

Mon

Oct 14

8:30 AM – 5:30 PM

Tue

Oct 15

8:30 AM – 7:00 PM

Wed

Oct 16

8:30 AM – 5:30 PM

Thu

Oct 17

8:30 AM – 5:30 PM

Fri

Oct 18

8:30 AM – 5:30 PM

Sat

Oct 19

CLOSED

Sun

Oct 20

CLOSED

After-hours appointments are also available. Call your local store to find out the details.

Onemain Financial Phone Number

If you have questions about applying for a personal loan or the products OneMain Financial offers, there are several ways you can get in touch with them.

  • Send a message.
  • Call by phone:

General Account Support (800) 742-5465 (M-F 7am-7pm Central)

Technical Web Assistance (877) 520-6246 (M-F 7am-7pm Central)

For existing Insurance Questions call (800) 307-0048 (M-F 8am-4:30pm Central)

For existing Mortgage Account call (866) 698-8332 (M-F 7am-7pm Central)