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PERSONAL LOANS

For whatever’s ahead,we’re right here with you.

A personal loan from OneMain can help you take control of your finances. From debt consolidation to home improvements to vacations, you can plan for both the expected and unexpected.

What is a personal loan anyway?

Personal loans are installment loans with fixed interest rates that you can use for a variety of reasons.2 If approved, you’ll borrow a set amount of money and pay it off with monthly payments over a scheduled period of time. Personal loans can offer an alternative to credit cards by giving you a predictable and fixed repayment plan. They can even be a tool for building credit if you make your payments on time.

At OneMain, we’ve been a trusted loan company for over 100 years. You can apply for our simple and convenient personal loans online, or talk to one of our loan specialists over the phone or at your local branch.

How’s it work at OneMain?

One

Find out if you are prequalified

Enter some basic personal and financial information, tell us your desired loan amount, and get a quick decision on your request.

Two

Meet with your loan specialist

If approved, we’ll have you visit a branch to verify your identity, income, expenses, employment and collateral (if applicable) and discuss your options.

Three

Sign and receive your funds

After you review and accept your loan terms, you’ll sign your loan documents and receive your money.

Say you’re approved, now what?

You may be offered a secured or unsecured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

Our rates and terms1

$1,500 - $20,000
Loan Amount Range
18.00% - 35.99%
APR Range
24, 36, 48 or 60 Months
Term Lengths

Your terms vary based on personal information like credit history, income, expenses, debts and available collateral. As an example, if you borrowed $6,000 with a 24.99% APR and 60 month term, your payments would be $176.07 per month. This example is based on an average customer with good credit.

Get an idea of estimated monthly payments for different loan amounts with our personal loan calculator 3

Important information about our Loan Amounts and Fees

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Most commonly asked questions

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