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Personal Loans

The money you need, as soon as one hour after closing1

Apply online for personal loans both big and small, from $1,500 - $20,0002.

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Explore predictable loan payments that can boost your finances by using our personal loan calculator.

Find a personal loan that’s right for you

  • Loan amounts from $1,500-20,0002
  • Loan terms from 24-60 months2
  • Fixed rates ranging from 18.00%-35.99% APR2
  • Secured and unsecured loan offers

Your path to a brighter future begins here. Apply online, by phone or in one of our more than 1,300 branches.

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See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.3,4

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Clear and easy from start to finish

Let’s run through the basics of getting a personal loan, so you can get one step closer to your goals.

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  1. 5
  3. 1

Customers have relied on OneMain for over 100 years — here’s why6

Video Transcript

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Answers to common customer questions

Here are a few things that affect your eligibility

  • Financial history / Credit history
  • Income and expenses
  • Loan purpose
  • Whether you have filed for bankruptcy
  • State of residence

Before you close your loan, OneMain will need the following documentation from you:

  • 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 unique situation. Take the next step and start your loan application today

From the start of the application to receiving the funds could be as quick as one day.*

  • Completing the online loan application: Takes just minutes to complete and see your offers*
  • Signing your loan documents: After final loan approval, signing your closing documents takes about 30-45 minutes.
  • Receiving your funds: When using your debit card to receive funds, you can get your money as soon as an hour after signing the loan docs.1 Funds can also be paid out by direct deposit (ACH), which are available approximately 1-2 banking days after loan closing. A check can be issued as soon as the same day as the closing.

*Timing may vary based on: when you submit your application, how many documents are needed for 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.

Are you still wondering "Is a personal loan right for me?" Don't worry – we're here to help. Just call (800) 961-5577 or find a branch near you.

If you're approved for a loan, you may see secured or unsecured next to your offer. A secured loan requires that you provide collateral, like a vehicle. An unsecured loan doesn't require any collateral from you.

Keep in mind that there are eligibility requirements such as the condition and age of your motor vehicle and proof of insurance. Also, if a borrower defaults on a secured loan, the lender has the right to take the collateral.

Precomputed interest is calculated up front when a loan is opened, while daily simple interest adds up (accrues) every day on the amount of the loan (current unpaid principal balance) until the loan is repaid.

Other key differences between the two types of loans:

Precomputed interest loan

  • Uses the original payment schedule to calculate interest, even if the borrower makes payments early.
  • If you miss a payment or pay late, your lender may charge you late fees, and your credit report may show missed or late payments.
  • If paid off early, the borrower may be able to get an interest refund or rebate.

Daily simple interest loan

  • Uses the amount or actual balance outstanding on the day a payment is due.
  • To avoid paying additional interest, you should regularly and consistently make your standard monthly payment amount on or before your payment due date.
  • If the borrower pays more than the monthly payment, this amount should get smaller as the loan is paid down.

Here are some of the fees you can expect to see, depending on your loan terms, state where you open your loan, and loan standing.

Origination fee:

  • A one-time fee for processing an application and setting up the loan.
  • This fee could either be a flat amount, ranging from $25 to $500, or a percentage of the loan amount, ranging from 1% to 10%. ( Percentage-based fees are subject to certain state limits. In some cases, OneMain limits these fees, even when state law allows us to charge more.

Late payment fees:

  • Fees applied when payments are made after a grace period.
  • This fee can either be a flat amount, ranging from $5 to $30 per late payment, or a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.
  • Fees subject to certain state limits.

Non-Sufficient Funds (NSF) Fees:

  • Fees applied when a payment made by check or electronic ACH debit is returned due to insufficient funds.
  • The amount varies depending on state law and ranges from $10 to $50 per payment returned.

Governmental Fees:

  • Fees for adding OneMain as lienholder on collateral, such as a motor vehicle’s title. ( The borrower is responsible for any amount OneMain is charged by the state or county in this process.

Exact fees are subject to state law and can change – please read read your loan agreement carefully before signing. Our loan specialists are here to help answer any questions you may have. Call us at (800) 961-5577 or find a branch near you.

It depends on the lender and your loan agreement. If you choose a OneMain loan, you can pay off your personal loan early without penalties at any time.

To pay off your loan early, you can:

  • Make a one-time payment for the total outstanding balance.
  • Pay an extra amount each time you make your regularly scheduled monthly payment.

You can visit your online account to see pay off options or call (800) 961-5577 us for help

More questions? Check out more FAQs.

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