Skip to main content

Emergency Loans

Financial help for the unexpected.

Check for Offers

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 electronically deposited to the borrower’s bank account through the Automated Clearing House (ACH) or debit card (SpeedFunds) networks. ACH funds are available approximately 1 to 2 business days after the loan closing date. Funds through SpeedFunds are available on the loan closing date.

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 had family emergency and called for a fast loan and worried would I qualify? I was told over the phone in about 10 mins I could get my loan! Happy and by that afternoon I was done with my application and money was deposited into my account the next morning!! Later that week the money I budgeted was not enough for the news I got on a home repair. So back I went to OneMain and true to their word they approved me for the additional $1,000. OneMain makes the loan process so easy and their staff is awesome!”4

— Gail C., 3/12/20

“Victor and Michael were wonderful helping us at a time of needing emergency money. They made the process easy and quick. The paperwork was completed very fast. We would definitely recommend OneMain Financial.”4

— Romeo A., 2/11/20

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