OneMain Financial
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- Fixed rates
- Offers secured and unsecured loans
- Accessible application process
- Strong customer support
- Mobile app
- Charges origination fee
- Higher interest rates compared to competitors
- Large loan amounts require a lien on an automobile
- Lower maximum loan amount
OneMain Financial, established in 1912 and headquartered in Evansville, Indiana, is a trusted provider of personal and auto loans for individuals with less-than-perfect credit. Specializing in unsecured and secured loans, they offer loan amounts ranging from $1,500 to $20,000, helping borrowers cover various financial needs, from debt consolidation to major purchases. Known for their customer-focused approach, they strive to make the lending process straightforward and transparent, offering both online and in-person services through their nationwide network of over 1,300 branches. Unique features include flexible repayment terms and the option for same-day funding. Customers frequently praised their personalized service and attentive loan specialists, though it's important to note that interest rates can be higher than industry averages, reflecting the company's target audience of higher-risk borrowers. They maintain an A+ rating with the Better Business Bureau (BBB) and have earned positive feedback for their responsive customer service, making them a reputable option for those looking for a reliable loan provider despite credit challenges. Read our review to learn all you need about OneMain Financial before making your call.
- Loan Terms : Between 24 and 60 months
- Minimum Accepted Credit Score : Undisclosed
- APR : Between 18% and 35.99%
- BBB Rating : A+
- Flexible credit requirements
- Low to no credit score requirements
- No prepayment penalties
- Lease Buyout—Undisclosed
- Loan Refinancing
- New Vehicle
- Private Party—Undisclosed
- Used Vehicle
- Extended Warranty—Undisclosed
- GAP Insurance—Undisclosed
- Limited Warranty
- Mobile Application
- Online Account Management
- Return Policy—Undisclosed
- Hard Credit Check
- Income
- Minimum Credit Score
- Pre-qualification With Soft Check
- Documentation/Processing Fee—Undisclosed
- Late Payment Fees
- Origination Fee
- Prepayment Penalties
- Title Transfer Fee—Undisclosed
- Upfront or Application Fees
- Automatic Payments
- Cash—Undisclosed
- Check
- Debit or Credit Cards
- In-Person Payments
- Mail-In Payments
- Online Payments
- Phone Payments
- Articles and Videos—Undisclosed
- FAQs
- Help Guides
- Live Chat
- Phone