See if you Prequalify for a Personal Loan

Name:

Don’t have an email address? Please visit your nearest OneMain Financial branch to fill out your application.

Address:

Contact Phone Number:

By providing my telephone number(s), I expressly consent and agree to receive voice calls using automatic telephone dialing systems, prerecorded or artificial voice messages and text messages by or on behalf of OneMain regarding the processing of my loan application, and if approved, for other transactional purposes, such as the collection and servicing of my account. This consent applies to any telephone number I provide to OneMain now or in the future, including a number for a cellular phone or other wireless device and a number that I later convert to a cellular phone or other wireless device.

Date of Birth:

Last 4 digits of Social Security Number

XXX - XX - Why do we ask for this?

We require the last 4 digits of your social security number to help verify your identity.

Monthly Net Income:

Did you enter your yearly income instead of monthly income? Please verify before continuing the application.

Not sure?

Monthly Net Income is your income each month after taxes and deductions, which may include your monthly salary, social security, pension or other sources of income. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying this loan.

By providing my mobile and/or home number and checking this box, I consent to receive calls, text messages and pre-recorded messages via automated technology, including via auto-dialers, by or on behalf of OneMain, regarding its products and services, including promotions. We may send you up to 5 text messages per week. SMS Terms of Use

Please note that if you later opt-out of receiving marketing calls/texts, we still reserve the right to send you communications relating to your account, such as administrative, collection and service announcements.

I authorize OneMain to obtain consumer report information on me to see if I have a prequalified offer available. I understand that checking for a prequalified offer will place an inquiry on my credit report but it will not affect my credit score because it is not a loan application. I will be asked to complete a loan application if I select an available prequalified offer or if no prequalified offer is available. This will result in an inquiry being placed on my credit report, which may affect my credit score.

(Required to proceed)

I have reviewed and agree to the terms of the Electronic Consent Agreement. I confirm that I have the necessary hardware and software to receive and access electronic records, including the ability to access PDF files, and an active email address.

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I have reviewed and agree to the Terms for using the website and have reviewed and acknowledge receipt of the Privacy Notice and Privacy Policy.

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Montana residents: Please read the following disclosures and mark the following checkbox to acknowledge receipt & understanding.

Montana Schedule of Charges – Fee Disclosure and Failure to Pay Statements for

Lender

OneMain Financial Group, LLC

OneMain Financial Services, Inc.

OneMain Consumer Loan, Inc.

License Number

1339418

1056

937358

Loan Type Offered: Closed-end interest bearing personal loans. Annual Interest Rate: 9.99% to 35.99%.

Examples of the Total Cost to the Consumer for a Personal Loan:

Example using the highest interest rate chargeable 35.99%:

Amount Financed	Agreed Rate of Interest	Term of Loan	Monthly Payment Amount	Payment Schedule	Total Cost of Loan
$1,500	35.99%	24	$88.56	24 @	$2,125.44
$2,500	35.99%	24	$147.60	24 @	$3,542.40
$4,000	35.99%	36	$183.19	36 @	$6,594.84

Example using the lowest available interest rate 9.99%:

Amount Financed	Agreed Rate of Interest	Term of Loan	Monthly Payment Amount	Payment Schedule	Total Cost of Loan
$15,000	9.99%	36	$483.93	36 @	$17,421.48
$20,000	9.99%	36	$645.24	36 @	$23,228.64
$30,000	9.99%	48	$633.94	48 @	$30,429.12

Fees:

Returned Check Fee - $25.00

Late Charge – the greater of 5% of amount in default or $15.00 but not to exceed $50.00

Lien Recording Fee – the amount paid to the recording office. As of October 6, 2017, this amount is $8.00. This fee is charged only on loans secured by an automobile.

Request for Title Fee - the amount paid to the recording office. As of October 6, 2017, this amount is $12.00. This fee is charged only on loans secured by an automobile, when a new certificate of title is issued in connection with the loan, such as in the case of an automobile purchase.

UCC Financing Statement filing and release fees - the amounts paid to the recording office.

Reasonable Attorney Fees for any judicial action filed by OneMain, if permitted under the terms of the loan agreement.

Insurance Premiums

Credit Life Insurance: For loan terms up to and including 63 months, the charges are based on gross coverage. The initial amount of coverage is based on the initial indebtedness (the sum of the total monthly payments). The following sample rates, used to determine the premium, are quoted as the rate per $100 of gross coverage and based on an example of 12 months of coverage. Other loan terms may change the premium cost which is disclosed on the Loan documents and Insurance Certificate.

Single Rate = $0.51
Joint Rate = 175% of the Single Rate

Credit Involuntary Unemployment Insurance: The charges are based on the sum of the total monthly payments (Initial Indebtedness) and the applicable premium rate provided below. The following rates, used to determine the premium, are quoted as the rate per $100 of Initial Indebtedness.

Single Rate = $2.71
Joint Rate = 175% of the Single Rate for insurance in connection with loans of all term lengths

Credit Disability Insurance: The charges are based on the sum of the total monthly payments (Initial Indebtedness), number of months of coverage, and the applicable premium rate provided below. The following sample rates, used to determine the premium, are quoted as the rate per $100 of Initial Indebtedness and based on an example of 12 months of coverage. Other loan terms may change the premium cost which is disclosed on the Loan documents and Insurance Certificate.

Single Rate = $1.43
Joint Rate = 180% of the Single Rate

Creditor-Placed Insurance: Lenders obtain Creditor-Placed Insurance (CPI) when the borrower fails to provide proof of or maintain insurance coverage required by the loan agreement. CPI provides limited coverage and protects the lender's and customer’s interest in the collateral property. Rates are set forth here. “Rating Basis” indicates the lesser of the value of the collateral or the outstanding principal balance of the loan. Values shown in the Term in Months columns indicate the premium amount. For example, if insurance were placed for 11 months with a Rating Basis of $5,000, the total premium would be $259.00

I have reviewed and agree to the above disclosures.

Check for Prequalified Offer

this won’t affect your credit score

Your privacy is important to us. See our privacy policy.

Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) and the availability of collateral. Loan amounts subject to state specific minimum or maximum size restrictions. Collateral offered must meet our criteria. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

CA minimum loan amount is $3,000. GA minimum loan amount is $1,500 for present customers and $3,100 for others.

If you are using a screen reader and are having problems using the website please call 800-742-5465 for assistance

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 and OneMain Financial Services, Inc. and OneMain Consumer Loan, Inc. – Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. NH: OneMain Financial Group, LLC - NMLS # 1339418 and OneMain Consumer Loan, Inc. - NMLS # 937358. PA: OneMain Financial Group, LLC and OneMain Financial Services, Inc. and OneMain Consumer Loan, Inc. – Licensed by the Pennsylvania Department of Banking and Securities. RI: OneMain Consumer Loan, Inc., Rhode Island Licensed Lender and Licensed Small Loan Lender.

For residents of the State of Washington only: OneMain Financial Group, LLC - Consumer Loan Company License - NMLS # 1339418, OneMain Consumer Loan, Inc. - Consumer Loan Company License - NMLS # 937358 and OneMain Financial Services, Inc. - Consumer Loan Company License - NMLS # 1056. Click here for the NMLS Consumer Access Database.

Find out if you are prequalified

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