A personal loan can help you fit home improvements into your budget.

Whether you're adding a bathroom, updating the kitchen, re-carpeting the living room, or finally building that deck, a personal loan from OneMain Financial can help you pay for your home improvements.

Is a loan for home improvements the right option for you?

The costs for home improvements projects can add up, whether you're doing it yourself or working with a professional. A personal loan for home improvements can help you afford the updates you want to make to your home.


The application is straightforward.

There are several convenient ways to apply—online, at your local OneMain Financial branch, or by phone at 855-757-MAIN. If you have any questions while completing your application, we're ready to help.

Your rate and payment are fixed.

That makes it easier to fit your loan payment into your budget. You'll also have a clear date for when you should expect to pay off your loan. There are no hidden fees or penalties for paying off your loan early.

You can get your money quickly.

You can get your money as soon as same day if approved by noon."
Loan proceeds may be disbursed by check, Automated Cleadng House (ACH) deposit, and/or a Prepaid Card. Prepaid card disbursements may not be available in all states. ACH disbursements can take approximately 1 to 2 business days depending on the time of loan closing. Prepaid card disbursements are available immediately upon activation of the prepaid card.

You'll help build your credit.

When you make all your loan payments on time and pay off your loan as scheduled, you can help strengthen your credit.

You won't impact the equity in your home.

A OneMain Financial personal loan is different than a home equity loan. With a personal loan, you don't tap the equity in your home or increase your mortgage.
If you pay with a credit card, because various factors can influence the minimum monthly payment on a credit card, the minimum payment can change each month. A changing minimum payment can make it harder to budget. Because a personal loan with OneMain Financial offers a fixed rate and fixed monthly payment, budgeting can be easier.

Benefits of a Personal Loan

Flexibility That Fits Your Budget


A personal loan from OneMain Financial can make budgeting simpler because it offers a fixed rate and fixed payment. You can pick the payment option that works for you. Choose the monthly due date that fits your budget and make your payments online, by mail, AutoPay, or at your local branch.

Answers When You Need Them


Our loan specialists are ready to answer your questions. From the application process through paying off your loan, we're here to help. You can reach us in the way that's most convenient for you-online, by phone, or come see us at your local branch.

How much do you need to reach your goals?

Loan offers are subject to credit approval and other restrictions and requirements may apply. OneMain Financial loan proceeds cannot be used for college, university, or vocational expenses, including tuition, fees, and required equipment and supplies; for any business or commercial purpose; to purchase securities; or for gambling or illegal activities. The actual loan amount and rate you qualify for will depend on your ability to meet our credit criteria including credit history, income and debts.

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