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Emergency Loans

Emergency cash in a flash for the unexpected

When your immediate need for emergency cash starts calling, OneMain is in your corner. Apply for an emergency loan online from $1,500 - $20,000.1

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This won’t affect your credit score.

What you get with every OneMain personal loan for emergencies

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Money right when you need it

Quick decision. Money as fast as 1 hour after loan closing.2

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Loans that work for your budget

Fixed payments and clear, upfront terms.

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Simplify your finances

Stress less, with one predictable monthly payment to remember.

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For financial surprises big or small, find relief with a OneMain emergency loan

A flooded basement. A family medical issue. Unforeseen bills. No matter what your emergency is, you’ll need money, fast. A personal loan could be the answer – get a quick decision from OneMain and personalized support online, by phone, or in your local branch.

Don’t spend another day stressing the unexpected. See below if you qualify for a OneMain personal loan today.

Check for offers

This won’t affect your credit score.

What are emergency loans?

Emergency loans are personal loans that help pay for unexpected costs, like caring for a sick loved one, time-sensitive travel, or storm damage that your insurance simply won’t cover.

We know that in a pinch, most people can’t wait for relief. If your OneMain loan is approved, you can get the money for your emergency needs as soon as 1 hour after closing.2

Why should I choose OneMain for my emergency loan?

When we loan you money, your emergency is ours. We keep our terms simple to help you avoid another headache during an already stressful time. With predictable monthly payments and fixed interest rates, you can handle your emergency – and breathe easier.

We’ve helped others through ups and downs, and we can help you, too. We stay by your side after your unplanned expenses have passed, supporting you with financial education, tips and tools to help you reach your future goals.

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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Check for offers

This won’t affect your credit score.

Customers have relied on OneMain for over 100 years

Here are some of our favorite shoutouts.5

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Need more info on emergency loans? You’ve come to the right place:

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Answers to common customer questions

From a late-night vet visit to an unexpected car repair, and everything in between, here are some of the most common ways people use our emergency loans:

  • Medical bills
  • Vet visits
  • Funeral expenses
  • Storm, flood or fire damage
  • Car repairs

Check to see if you qualify for a personal loan to help you cover surprise expenses or if you’re still thinking “I need an emergency loan but I’m not sure if it’s right for me” call us at 844-859-5091. We’ll help you find the right fit for your situation.

At OneMain we offer personal loans that are paid back over time with predictable, monthly payments that fit your budget. Our loans can be secured (where you back it with collateral, like a motor vehicle) or unsecured (which doesn't need any collateral from you).

While searching for a solution, you may see some other ways to get cash fast in an emergency, like:

  • Credit card cash advances
  • Payday loans
  • Auto title loans

Each type of emergency loan has its own eligibility requirements, costs and associated risks. As always, it’s important to consider your needs and financial situation before deciding which option is best for you.

Whether you need a big or small emergency loan, you can take the next step and start your OneMain personal loan application today.

Life can be stressful, so we try to keep our loan requirements simple. Here are a few key things that can affect your eligibility:

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

You’ll need to be able to submit the following documentation before you close your loan (we may ask for more based on your unique situation):

  • 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)

Still not sure about how to get an emergency loan? Call us at 844-859-5091.

More questions? Check out more FAQs.