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How It Works

Applying for a personal loan with OneMain is simple

We take pride in providing a quick and easy application process. Here’s how it works:

Step 1: Complete our online application

Once you submit your application with your loan, personal, employment, and financial information, you will receive:

  • A quick decision on your loan request
  • An email with additional information

Step 2: Meet with your loan specialist

If approved, a OneMain loan specialist will contact you to:

  • Schedule an appointment at your local branch+
  • Discuss available loan options
  • Verify identity, income, employment, and collateral (if applicable)

Step 3: Sign and receive your funds

After you review and accept your loan terms:

  • Sign your contract
  • Receive your funds

Ready to apply for your loan?

Apply in minutes using our online application.

Why choose OneMain?

  • Convenient online loan application
  • Fast decision & fixed payment schedule
  • One-on-One Support in over 1,600 locations
  • No application fee

Find out more about us.

Prefer to talk to someone?

branch associate

You can speak with a branch associate, between the hours of 8am-8pm Central Time.

Call: 800-961-5577 or find a branch.

What could a monthly payment be?

Estimate monthly payments with our easy to use personal loan calculator.

What our customers are asking about the most

Looking for more information? Check out our FAQs.