Heard @OneMain: Getting the Money You Need, When You Need It

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By: Jessica Leshnoff

Dec 1, 2021

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4 minute read

Summary

Our customers are getting the money they need, when they need it. Hear from real-life customers who experienced our quick and easy loan process.

In this article:

There’s lots of reasons you may need money in a pinch: A flooded basement. A family medical issue. Unforeseen bills.

Whatever the reason, when you need cash quickly, there’s no time to spare. OneMain customers can often receive the funds needed in as little as one hour after loan closing.1

Hardworking people often need money for real-life situations. We get it. That's why millions of Americans have turned to OneMain for the money they need when time is tight.

In person, online or over the phone, our process isn’t just quick, it’s easy. But you don’t need to take our word for it. Here’s some of what customers are saying about our loan process – and just how fast they’re getting their money.

Speed when it counts

Ricky needed a loan “in the shortest time possible” to replace his vehicle. He got it fast, in what he describes as a “professional, caring and non-judgmental” environment.

Trustpilot review: OneMain Financial - 5 stars by Ricky S

Natalie and Julie needed money quickly, too. Both were thrilled with not only the speed they got funds, but the fact that they received them directly in their bank accounts.

Trustpilot review: OneMain Financial - 5 stars by Natalie C

Trustpilot review: OneMain Financial - 5 stars by Julie H

“Smooth and easy”

Time and time again, our customers rave about how easy we make the process of getting a personal loan.

Alyssa writes getting her loan “was easier and smoother” than she expected. “Thank you for making this an easy process,” Talitha adds. Linda did the entire process online, and “would recommend anyone to use this company.”

Trustpilot review: OneMain Financial - 5 stars by Alyssa

Trustpilot review: OneMain Financial - 5 stars by Talitha D

Trustpilot review: OneMain Financial - 5 stars by Linda J

Fast cash in a pinch

When emergency expenses hit, time is everything. That’s why our team members work hard to get customers money as quickly as possible.

Mitalene’s home was sweltering when she came to OneMain for a loan to fix her air conditioning. OneMain assisted her “with empathy (and) compassion,” she writes. “If it wasn’t for this branch...I wouldn’t have made it.”

Trustpilot review: OneMain Financial - 5 stars by Mitalene T

Kimberly was thrilled not only with how fast she got money, but the friendliness of OneMain team members. “It was as painless of a process that I have ever been through,” she raves.

Trustpilot review: OneMain Financial - 5 stars by Kimberly R

When Emily’s puppy needed surgery, her local branch got her a loan and treated her like family, making a difficult time much easier.

Trustpilot review: OneMain Financial - 5 stars by Emily B

Loan offers from $1,500 to $20,000

See offers, apply online and get a response in minutes

Check for offers Checking for offers won’t affect your credit score.

The money you need, when you need it most.

In a branch or online, we’re dedicated to getting you the money you need, when you need it most. Read more of our Trustpilot reviews, then keep us in mind when life happens and you need fast cash.


1Funding 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 can be accessed on the loan closing date by using a bank-issued debit card.

This article is for general education and informational purposes, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any purpose and is not intended to be and does not constitute financial, legal, tax, or any other advice. Parties (other than sponsored partners of OneMain Financial (OMF)) referenced in the article are not sponsors of, do not endorse, and are not otherwise affiliated with OMF.

Frequently asked questions

Here are a few things that 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 documents from you:

  • A copy of a valid, government-issued ID (driver’s license or passport)
  • Your Social Security card
  • Proof of residence (driver’s license with current address, utility bill, or signed lease)
  • Proof of income (pay stubs or tax returns)

We may ask for more info based on your unique situation. Take the next step and start your loan application today

  • From the start of the application to receiving the funds 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.1 Funds can also be paid out by direct deposit (ACH), which are available approximately 1-2 banking days after loan closing. A check can be issued as soon as the same day as the closing.

*Timing may vary based on: when you submit your application, how many documents are needed for approval, and how long it takes for OneMain to receive, review, and verify those documents, and whether your loan is secured by collateral, among other factors.

Are you still wondering "Is a personal loan right for me?" Don't worry – we're here to help. Just call (800) 961-5577 or find a branch near you.

If you're approved for a loan, you may see secured or unsecured next to your offer. A secured loan requires that you provide collateral, like a vehicle. An unsecured loan doesn't require any collateral from you.

Keep in mind that there are eligibility requirements such as the condition and age of your motor vehicle and proof of insurance. Also, if a borrower defaults on a secured loan, the lender has the right to take the collateral.