trusted formLendingClub vs OneMain | Several.com
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LendingClub vs OneMain

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Pros
  • No origination fees
  • Easy pre-qualification with no hard credit inquiry
  • Instant rate checking without waiting
Pros
  • Doesn't require a minimum credit score
  • Offers secured and unsecured personal loans
  • OneMain prequalification doesn't affect credit score
  • Offers small loan amounts
  • Loans can be received in the same day if approved by noon
Cons
  • Vehicle restrictions
  • Membership requirement
  • Refinancing services only (no new car loans or lease buyouts)
  • Not available nationwide (restricted in certain states)
Cons
  • Charges origination fee
  • Interest rates are higher than other lenders
  • Large loan amounts require a lien on an automobile
Quick Stats
  • Loan Terms : 84 months or 7 years
  • Minimum Accepted Credit Score : 600
  • APR : 6.34%
Quick Stats
  • Loan Terms : 60 Months
  • Minimum Accepted Credit Score : None
  • APR : 18%
Selling Points
  • Flexible loan terms tailored to your financial situation
  • Transparency and fair lending practices
Selling Points
  • Offers small loan amounts
  • No minimum credit score required
  • Customized personal loans
Multiple Financing Options
  • Undisclosed
    Lease Buyout
  • Loan Refinancing
  • New Vehicle
  • Undisclosed
    Private Party
  • Used Vehicle
Multiple Financing Options
  • Lease Buyout
  • Loan Refinancing
  • New Vehicle
  • Private Party
  • Used Vehicle
Additional Services
  • Undisclosed
    Extended Warranty
  • Undisclosed
    GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Mobile Application
  • Undisclosed
    Online Account Management
  • Undisclosed
    Return Policy
Additional Services
  • Extended Warranty
  • GAP Insurance
  • Limited Warranty
  • Mobile Application
  • Online Account Management
  • Undisclosed
    Return Policy
Eligibility Requirements
  • Hard Credit Check
  • Undisclosed
    Income
  • Minimum Credit Score
  • Undisclosed
    Pre-qualification With Soft Check
Eligibility Requirements
  • Undisclosed
    Hard Credit Check
  • Income
  • Undisclosed
    Minimum Credit Score
  • Undisclosed
    Pre-qualification With Soft Check
Fees & Costs
  • Undisclosed
    Documentation/Processing Fee
  • Undisclosed
    Late Payment Fees
  • Undisclosed
    Origination Fee
  • Undisclosed
    Prepayment Penalties
  • Undisclosed
    Title Transfer Fee
  • Undisclosed
    Upfront or Application Fees
Fees & Costs
  • Undisclosed
    Documentation/Processing Fee
  • Undisclosed
    Late Payment Fees
  • Undisclosed
    Origination Fee
  • Undisclosed
    Prepayment Penalties
  • Undisclosed
    Title Transfer Fee
  • Undisclosed
    Upfront or Application Fees
Payment Options
  • Undisclosed
    Automatic Payments
  • Undisclosed
    Cash
  • Undisclosed
    Check
  • Debit or Credit Cards
  • Undisclosed
    In-Person Payments
  • Undisclosed
    Mail-In Payments
  • Online Payments
  • Undisclosed
    Phone Payments
Payment Options
  • Automatic Payments
  • Undisclosed
    Cash
  • Undisclosed
    Check
  • Debit or Credit Cards
  • Undisclosed
    In-Person Payments
  • Mail-In Payments
  • Undisclosed
    Online Payments
  • Phone Payments
Customer Support
  • Undisclosed
    Articles and Videos
  • Undisclosed
    Email
  • Undisclosed
    FAQs
  • Undisclosed
    Help Guides
  • Live Chat
  • Undisclosed
    Phone
Customer Support
  • Undisclosed
    Articles and Videos
  • Undisclosed
    Email
  • Undisclosed
    FAQs
  • Undisclosed
    Help Guides
  • Undisclosed
    Live Chat
  • Undisclosed
    Phone