How a Fixed Rate Personal Loan Can Help

A fixed rate personal loan for household bills from OneMain Financial can help you quickly get the money you need to pay for these important expenses. That can help you take control, giving you peace of mind.

Is a loan for household bills the right option for you?

A personal loan from OneMain Financial can help you get the money you need to pay important household bills.


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 Clearing 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.

The application is straightforward.

There are three convenient ways to apply—online, at your local OneMain Financial branch, or by phone at 855-757-MAIN so that you can choose what works best for you. If you have any questions while completing your application, we're ready to help.

Your rate and payment are fixed.

Knowing what your monthly payment is can make it easier to 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'll help build your credit.

When you make all your loan payments on time and payoff your loan, you'll build your credit score, an important step towards financial freedom.
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

Choose your payment date.


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

We are here to help.


Our Loan specialists are ready to answer your questions. From completing your application through paying off your loan, we're here to help. Get in touch with us in the way that's most convenient for you—online, by phone, or 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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