Onemain
OneMain
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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
- Charges origination fee
- Interest rates are higher than other lenders
- Large loan amounts require a lien on an automobile
Quick Stats
- Loan Terms : 60 Months
- Minimum Accepted Credit Score : None
- APR : 18%
Selling Points
- Offers small loan amounts
- No minimum credit score required
- Customized personal loans
Multiple Financing Options
- Lease Buyout
- Loan Refinancing
- New Vehicle
- Private Party
- Used Vehicle
Additional Services
- Extended Warranty
- GAP Insurance
- Limited Warranty
- Mobile Application
- Online Account Management
- Return Policy—Undisclosed
Eligibility Requirements
- Hard Credit Check—Undisclosed
- Income
- Minimum Credit Score—Undisclosed
- Pre-qualification With Soft Check—Undisclosed
Fees & Costs
- Documentation/Processing Fee—Undisclosed
- Late Payment Fees—Undisclosed
- Origination Fee—Undisclosed
- Prepayment Penalties—Undisclosed
- Title Transfer Fee—Undisclosed
- Upfront or Application Fees—Undisclosed
Payment Options
- Automatic Payments
- Cash—Undisclosed
- Check—Undisclosed
- Debit or Credit Cards
- In-Person Payments—Undisclosed
- Mail-In Payments
- Online Payments—Undisclosed
- Phone Payments
Customer Support
- Articles and Videos—Undisclosed
- —Undisclosed
- FAQs—Undisclosed
- Help Guides—Undisclosed
- Live Chat—Undisclosed
- Phone—Undisclosed
FAQs
How will I receive my money?
Can I lower my monthly payments?
How can I make a payment?
Which documents will I be asked for before closing a loan?
How long does it take to apply and receive my loan?
What is the maximum loan amount I can get?
Why has my loan been declined?
How are my loan terms decided?