Empowering financial well-being for hardworking Americans since 1912
For over 110 years, OneMain Financial has been committed to serving customers who need financial solutions but may not qualify for traditional bank loans. We look beyond credit scores to understand each customer's unique situation, providing personalized lending solutions that help people achieve their financial goals.
Founded by Alexander E. Duncan as Commercial Credit Company in Baltimore, Maryland. Started as a lender providing capital to businesses with their accounts receivable as security.
Expanded into auto financing and personal lending, adapting to the changing financial needs of American families during the post-war economic boom.
Became a leader in consumer finance, offering innovative lending solutions and establishing a nationwide branch network to serve customers face-to-face.
Fortress Investment Group acquired American General Finance from AIG, later renamed to Springleaf Financial, continuing the legacy of community-based lending.
Springleaf Financial acquired CitiFinancial from Citigroup, creating today's OneMain Financial - combining over a century of lending experience under one trusted brand.
Enhanced digital capabilities while maintaining personal touch through 1,300+ branches. Continued commitment to financial education and responsible lending practices.
We put our customers at the center of everything we do. Every decision is made with their financial well-being in mind, ensuring we provide solutions that truly help improve their lives.
Clear, honest communication is fundamental to building trust. We explain every aspect of our loans upfront - no hidden fees, no surprises, no fine print that catches you off guard.
We believe in lending that customers can afford to repay. Our specialists work with each customer to create a realistic budget and loan structure that fits their unique situation.
With over a century of experience, we continuously strive to improve our services, products, and customer experience while maintaining the highest industry standards.
We're not just lenders - we're community members. Through financial education programs and local partnerships, we work to improve economic mobility in the communities we serve.
While honoring our heritage, we embrace technology and innovation to make the lending process faster, easier, and more accessible for modern borrowers.
Every loan we offer is designed with affordability in mind. We work with you to understand your income, expenses, and financial goals to ensure your monthly payment fits comfortably within your budget. Your financial success is our success.
Knowledge is power when it comes to personal finances. That's why we've invested millions in developing Credit Worthy by OneMain, a comprehensive financial education curriculum used by over 300,000 high school students across the country.
We operate under strict federal and state regulations to protect borrowers' rights. Our commitment to compliance ensures that every customer receives fair, legal, and ethical treatment throughout their lending experience.
In an increasingly digital world, we maintain the human touch that's been our hallmark for over a century. Whether you prefer to apply online, call, or visit one of our 1,300+ branches, you'll work with real people who care about your financial success.
NMLS #1339418
We are fully licensed and regulated in 47 states across the United States. Our lending practices comply with all federal regulations including the Truth in Lending Act, Fair Credit Reporting Act, and state-specific lending laws.
For specific state licensing information and disclosures, please visit our complete licensing page or contact your local OneMain Financial branch.
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