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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:

Calculator

Fixed interest rate

Calendar

Money as soon as same day if approved by noon3

Money

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.

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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

Want more info on how to handle financial emergencies? These might help:

Couple working under sink
How to Handle Unexpected Expenses
Money Jar
How to Build an Emergency Fund
Couple embracing
An Emergency Fund Can Be a Financial Lifesaver

Looking for something else? Check out these other uses for personal loans.2

Piggy Bank

Debt Consolidation5

Two People

Life Events

Boat

Recreation

Car

Auto Loans

Home

Home Projects

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1 Not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APR’s are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

2 OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university, or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal activities.

5 Important Notice About Refinancing or Debt Consolidation: When you refinance or consolidate your existing debts, your total finance charges over the life of the new loan may be higher than for your current debt(s) because your interest rate may be higher and/or your loan term may be longer.

For Housing Counselors in the State of Washington, please email us at the following link in regards to your customers loan modification status: REModifications@onemainfinancial.com. Please ensure your customer has provided us with authorization to work with you.

CA: OneMain Financial Group, LLC - Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. NH: OneMain Financial Group, LLC – NMLS # 1339418. PA: OneMain Financial Group, LLC – Licensed by the Pennsylvania Department of Banking and Securities.

For residents of the State of Washington only: OneMain Financial Group, LLC – Consumer Loan Company License – NMLS # 1339418. Click here for the NMLS Consumer Access Database.

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