How to Apply
Applying for a OneMain Financial loan is straightforward — starting with an online loan application. Click on the short video to learn more.
Step 1: Complete our one-page application.
You only need to enter three types of information to complete our one-page online application form: your contact information, the amount and purpose of your loan and employment and income information.
Step 2: Submit your application.
Once you complete and submit your application, you'll receive an email that provides you with a status of your application and your local branch's contact information, should you have questions. If you prefer, you have the option to apply in person or over the phone.
Step 3: Meet with your loan specialist if you're approved.
If approved, one of our loan specialists will contact you to discuss the loan options available for you and set up an appointment for your loan closing. When you come to your local branch for your closing, you will review the loan terms, verify documents you were asked to bring and set up payment options.
Step 4: Achieve your dreams.
Whether you're planning a wedding, updating your kitchen or meeting some other important goal, you'll receive your money as soon as the same day you apply if you're 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.
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.
What Our Customers Are Asking the Most
WHAT'S REQUIRED TO APPLY?
DO YOU CHECK MY CREDIT SCORE?
HOW AND WHEN WILL I RECEIVE MY LOAN?
HOW DO I MAKE PAYMENTS?
WHAT IF I CAN'T MAKE PAYMENTS?
HOW DO I QUALIFY?
Have questions of your own?
Speak to one of our knowledgeable loan specialists.