What is a personal loan?

A personal loan is one way to take care of the range of expenses life can bring your way - from debt consolidation to vacations to medical costs. A personal loan from OneMain Financial offers fixed rates and fixed payments. The rate you qualify for depends on various factors including credit history, income and other financial obligations. Need more details? Watch this short video to learn more.

Benefits of a Personal Loan

Fixed Payments and Interest Rates

Your monthly payments are fixed over a set period of time. A OneMain Financial personal loan comes with a fixed rate and flexible payment options. It's a predictable way to manage your budget. Plus making timely payments each month shows how well you can control your finances. That can help your credit score. Get the money you need when you need it with a loan from OneMain Financial.

Reasons to Consider a Loan with OneMain Financial


Your personal loan should take the word "personal" seriously, matching your needs and terms. In addition to fixed rates, here's what you'll get with OneMain Financial:

  • A simple process and clear terms
  • The attention of loan specialists who approve and service loans locally
  • Access to members of the community dedicated to helping you meet your budget and make your timeline
  • No hidden fees, rate expiration periods or early payoff penalties

Use a Personal Loan for What Matters Most


Personal loans are used for a variety of needs, such as debt consolidation and unexpected expenses. How you use a personal loan is up to you. Here are a few examples of what it can cover:

  • Kitchen renovation
  • Wedding celebration
  • Large appliance replacement
  • Major automobile repair
  • Vacation

What Our Customers Are Asking the Most




Have questions of your own?

Speak to one of our knowledgeable loan specialists.

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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