Emergency Loans

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. If you’re still thinking “I need an emergency loan,” we’ll help you find the right fit for your situation.

From the start of the application to receiving the funds, your loan turnaround could be as quick 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 docs.x Funds can also be paid out by direct deposit (ACH) and are available approximately 1-2 banking days after loan signing. A check can be issued as the same day as the signing.

*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.

If you're still wondering whether an emergency loan is right for you, don't worry. We're here to help. Find a branch near you to get started.

At OneMain we offer personal loans that are paid back over time with predictable, monthly payments that fit your budget. If you're approved for a loan, you may see “secured” or “unsecured” alongside your offer. A secured loan requires collateral, typically a vehicle, to back the loan. A secured loan can boost your borrowing power and help you qualify for a lower interest rate, lower monthly payment, or even a higher loan amount. To qualify, the motor vehicle must meet certain requirements, like being within a specific age range and properly insured. If the loan isn't repaid, the lender may reserve the right to take the collateral.

A unsecured loan doesn't require any collateral, and eligibility and approval are based on factors like your ability to make payments, credit history and income.

Both secured and unsecured emergency loans have their 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.

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

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