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Emergency Loans

Financial help for the unexpected.

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This won’t affect your credit score.

Get the money you need for emergencies or unexpected expenses with a personal loan.1

Urgent home repairs. Medical emergencies. Unforeseen bills. When a financial emergency strikes, a personal loan could be the answer.2 And if you need money right away, you could get a quick decision on your loan request.

How does an emergency loan work?

Emergency loans are personal loans that help pay for financial emergencies or provide extra cash to cover unforeseen expenses. For example, if you have a sudden health complication, it can assist with your medical bills. Or, if your basement floods, it can help cover the repair costs. By taking out a personal loan, you can handle what needs attention now and repay the loan over time.

Why should I choose OneMain for my emergency loan?

As a trusted lender for more than 100 years, we understand that applying for a loan in stressful times can be hard. That’s why we take the time to ask questions, listen and find a personal loan that fits your needs. Plus, our loans come with a fixed monthly payment and fixed interest rate. So once your situation is resolved, you can enjoy a little more peace of mind.

We’re here to help. See if you prequalify for a OneMain personal loan now!

Benefits of an emergency loan include:


Fixed interest rate


Money as soon as same day if approved by noon3


No prepayment fees

3 Funding Options; Availability of Funds: Loan proceeds may be disbursed by check or Automated Clearing House (ACH) deposit. ACH disbursements can take approximately 1 to 2 business days depending on the time of loan closing.

Don’t wait to get the funds you need. Check to see if you prequalify for a personal loan today.

Check for Offers

This won’t affect your credit score.

Real stories of how OneMain customers used a personal loan to pay for unexpected expenses.4

“I was in a very tight spot and needed help right away. OneMain said they could help me and help me they did. Service was direct and immediate. After a few initial calls I visited the office, and after a short time everything was done and my immediate problem was no more.”4

— Sharon C., 5/14/19

“OneMain Financial helped us in time of need. The process was quick and easy. Since we were on time payment clients they gave us another emergency loan in times of crisis. Very easy to talk to also.”4

— Janet S., 4/23/19

4 These customer testimonials reflect individuals' personal experiences, so you may not have the same results