See if you Prequalify for a Personal Loan

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We may email you to process your application, for account servicing or collections, to tell you about financial products and services and for other business purposes.

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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.

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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.

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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

I authorize OneMain to obtain my credit report to check if I have a prequalified offer. Checking for prequalified offers will place a soft inquiry on my credit report which will not impact my credit score.

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I have reviewed, agree to and acknowledge receipt of the Terms of Use, Electronic Consent Agreement, Privacy Notice, and Privacy Policy. I confirm that I can receive and access electronic records, including the ability to receive email and access PDF files.

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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 Consumer Loan, Inc.

License Number

1339418

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
$25,000	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 charged by the recording office, which will increase from time to time as the amount charged by the recording office increases. As of January 1, 2018, this amount is $8.24. This fee is charged only on loans secured by an automobile.

Request for Title Fee - the amount charged by the recording office, which will increase from time to time as the amount charged by the recording office increases. As of January 1, 2018, this amount is $12.36. 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 charged by 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

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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 eight 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: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

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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