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
Selling Points
- Offers small loan amounts
- No minimum credit score required
- Customized personal loans
Available Car Options
- Used—Undisclosed
Customer Support
- Articles and Videos—Undisclosed
- —Undisclosed
- Email Support
- FAQs—Undisclosed
- Help Guides—Undisclosed
- Live Chat—Undisclosed
- Phone—Undisclosed
- Phone Support
Eligibility (Credit Score)
- Accepts all Credit Types
- Doesn't Cover Bad Credit—Undisclosed
Features
- APRs (Annual Percentage Rate) Vary—Undisclosed
- Mobile Application
- Requires Minimum Credit Score—Undisclosed
- Test Drive—Undisclosed
Money-Back Guarantee
- Yes—Undisclosed
Multiple Financing Options
- Lease Buyout
- New Auto
- Private Party
- Refinance
- Used Auto
Payment Options
- Automatic Payments (ACH Transactions)
- Cash—Undisclosed
- Cash Payments
- Debit or Credit cards
- Mailed Payments
- Major Credit Cards—Undisclosed
Protection
- Extended Warranty
- GAP Insurance
- Limited Warranty
- Return Policy—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?