Applying for a Loan

Back

Log in to your OneMain online account to upload documents. If you haven't already, it's easy to set up an online account.

Once your online account is set up, you may have the option to connect your bank account. By connecting to the account where you get paid, it lets us easily verify your income, so you don't have to upload as many documents.

When taking photos to upload docs, make sure to:

Use a contrasting background

Don't crop or cut off doc edges

Make sure your photo is in focus and free of any obstructions like fingers or other objects

Upload only as a PDF or JPG/JPEG that's smaller than 25mb

Watch our photo and doc uploading guide here for more info.

Still need help? Call 833-390-2053
The application process is fast and easy from start to finish. If you’re approved, you could receive funds in as little as 1 day.*

You can check for offers to see if you prequalify and have a response in minutes. Then, it’s easy to apply.

Note: Checking for offers won’t impact your credit score but submitting a loan application may affect your score.

Completing the online loan application takes just minutes to complete and see your offers.*

After final loan approval, reviewing and signing your loan closing docs takes about 30-45 minutes.

After signing you can receive your funds one of the following ways and timing:

Debit card: Funds are available in your bank account as soon as an hour after loan closing.¹

Direct deposit: Funds are available in your checking or savings account approximately 1-2 business days after loan closing.

Check: Issued as soon as the same day as loan closing. Availability of funds depends on when and where you deposit your check.

*Timing may vary based on: when you submit your application, how many documents are needed for final approval, and how long it takes for OneMain to receive, review, and verify those documents, and whether your loan is secured by collateral, among other factors.

¹ Funding Options and Availability of Funds: Funds within 1 hour of loan closing via SpeedFunds® requires disbursement to a bank-issued debit card; if paid by check or ACH, availability may take approximately 1-2 business days after closing, subject to bank deposit policy. SpeedFunds® is a registered trademark of OneMain Financial Holdings, LLC.
OneMain is aware of an external advance fee scam using our name, logo and even fake branch details to offer fraudulent loans.

Here are a few things a OneMain team member will never do:

We'll never ask for upfront fees or payment via gift cards (like Google Play cards).

We'll never request your username(s) or password(s) for your bank account, OneMain account or any other account.

We'll never deposit money in your account and ask you to send it back.

We'll never use a Gmail account — if an email ends in @gmail.com, it’s not from OneMain.

Here’s what to do if you think you’ve been targeted:

Stop all contact and don’t respond or send money

Alert your bank if you shared financial details (account, PIN, credit card numbers, etc.)

Place a fraud alert or freeze your credit with Experian, TransUnion, or Equifax

Report the scam to:

Federal Trade Commission (FTC): www.ftc.gov or 877-438-4338

FBI Internet Crime Complaint Center (IC3): www.ic3.gov

Credit Bureaus:
    Equifax: 800-525-6285 | www.equifax.com
    Experian: 888-397-3742 | www.experian.com
    TransUnion: 800-680-7289 | www.transunion.com

Stay safe and always double-check details before sharing your personal info online or by phone.
Applying again with a co-applicant or using collateral might make it possible. Call 833-390-2053 to learn more, or you can contact your local branch.

Please note: OneMain evaluates all collateral to determine whether its value will adequately secure a loan. Vehicles used as collateral must be insured against physical damage for the term of the loan. Active duty military, their spouse and all dependents covered by the Military Lending Act may not pledge any vehicle as collateral.
Here are a few things that affect your eligibility

Credit history

Income and expenses

Loan purpose*

State of residence

To get your OneMain loan, you will need to provide the following:

Proof of identity (such as a driver’s license, state-issued ID card, passport, or available third-party verification service)

Proof of residence (such as a driver’s license with current address, utility bill, or signed lease)

Proof of income (such as pay stubs or tax returns)

We may ask for more info based on your situation. Take the next step and start your loan application today.

*Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
At OneMain, a secured loan may be able to boost your borrowing power. By using collateral (usually something of value like a vehicle), you “secure” your financing and may qualify for a lower interest rate, lower monthly payment or even a higher loan amount.

You keep the use of your vehicle while repaying your loan, but if you stop paying, we have the right to take the collateral.

Here's what we may accept as collateral:*

Automobiles

Trucks

Motorcycles

Boats, campers and RVs

Active duty military, spouses and dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

Take the next step and check for offers today.

*OneMain evaluates all collateral to determine whether its value will adequately secure a loan. Vehicles used as collateral must be insured against physical damage for the term of the loan.
Loan offers are based on individual factors including your ability to repay and allow each customer to choose what works best for their needs. Here are a few things that affect your loan terms:

Credit history

Income and expenses

Availability and value of collateral (for a secured loan)

Ability to repay

Where you live*

*Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: $3,100. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.

Borrowers in these states are subject to these maximum loan sizes: North Carolina: $11,000 for unsecured loans to all customers; $11,000 for secured loans to present customers. Maine: $7,000. Mississippi: $12,000. West Virginia: $13,500. Loans to purchase a motor vehicle or powersports equipment from select Maine, Mississippi and North Carolina dealerships are not subject to these maximum loan sizes.