$3,000 Personal Loan

Here are a few things that could affect what you qualify for:

• Financial/Credit history
• Income and expenses
• Reason for the loan
• Whether you have filed for bankruptcy
• State of residence

Before you get 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 situation. Take the next step, and start your loan application today.

From starting your application to receiving the funds, your OneMain loan could happen as fast 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 documents.1 Funds can also be paid out by direct deposit (ACH) and are available approximately 1-2 banking days after loan closing. A check can be issued as soon as the same day of the closing.

*Timing may vary based on when you submit your application, how many documents are needed for approval, how long it takes for OneMain to receive, review and verify those documents, and whether your loan is secured by collateral, among other factors. Still asking yourself, “Is a personal loan right for me?” We’ve got you covered. Give us a call at (800) 290-7002 or stop by a branch near you.

Are you still wondering, "Is a personal loan right for me?" Don't worry — we're here to help.

Here are some of the fees you can expect to see from OneMain, depending on your loan terms, the 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 are 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 return payment.

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 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.