✓ Since 1912 ✓ 10M+ Customers ✓ Licensed Lender

Personal Loan Products & Services

Flexible financing solutions designed to meet your unique needs. From debt consolidation to major life expenses.

Loan Amounts & Terms

$1,500 - $20,000
Flexible loan amounts to fit your needs
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Repayment terms from 24 to 60 months
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Fixed monthly payments you can count on
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Same-day funding available
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No prepayment penalties - pay off early and save

Secured vs. Unsecured Loans

Secured Loans
Unsecured Loans
Collateral Required
Yes - typically your vehicle (car, truck, motorcycle, RV)
Collateral Required
No collateral needed
Interest Rates
Generally lower rates due to reduced lender risk
Interest Rates
Rates based on creditworthiness and other factors
Loan Amounts
May qualify for higher amounts based on collateral value
Loan Amounts
Based on income and creditworthiness
Best For
Those seeking lower rates who own a vehicle free and clear or with equity
Best For
Those who prefer not to pledge collateral or don't have eligible assets
Approval Process
Requires vehicle inspection and title verification
Approval Process
Faster approval with less documentation

How You Can Use Your Loan

OneMain Financial Online Loans can help you achieve a variety of financial goals

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Debt Consolidation

Simplify multiple payments into one manageable monthly payment

Perfect for:

  • Combining multiple credit card balances
  • Consolidating medical bills
  • Rolling together various high-interest debts
  • Creating one predictable monthly payment
  • Potentially lowering your overall interest rate
Real Example:
Sarah had $12,000 in credit card debt across 4 cards at an average of 24% APR. She consolidated with a $12,000 OneMain loan at 18% APR, saving over $2,500 in interest and reducing her monthly payments by $180.
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Home Improvement

Fund renovations, repairs, or upgrades to enhance your living space

Perfect for:

  • Kitchen or bathroom remodeling
  • Roof repairs or replacement
  • HVAC system installation
  • Flooring upgrades
  • Energy-efficient improvements
Real Example:
Michael needed $8,000 for urgent roof repairs. With a OneMain loan, he fixed the damage before it worsened, avoided expensive emergency repairs, and increased his home's value.
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Auto Repair & Purchase

Get back on the road with funds for vehicle repairs or purchases

Perfect for:

  • Major mechanical repairs
  • Engine or transmission work
  • Vehicle purchase or down payment
  • Body work and collision repair
  • Tire and brake replacements
Real Example:
Jennifer's transmission failed unexpectedly. A $4,500 OneMain loan helped her get her car repaired within 48 hours, so she didn't miss work or important commitments.
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Medical Expenses

Cover unexpected medical bills or planned procedures

Perfect for:

  • Emergency medical procedures
  • Dental work not covered by insurance
  • Elective procedures
  • Medical equipment or devices
  • Consolidating multiple medical bills
Real Example:
David needed $6,000 for dental work. Rather than delaying treatment or using high-interest payment plans, he got a OneMain loan with a fixed monthly payment that fit his budget.

Optional Insurance Products

🛡️ Credit Insurance

Protect yourself and your family from unexpected events that could impact your ability to make loan payments. These optional products provide peace of mind and financial security.

Coverage Options Include:

  • Life insurance coverage
  • Disability protection
  • Involuntary unemployment coverage
  • Personal property protection
Optional - Your Choice

⚙️ GAP Coverage

For secured loans with vehicle collateral, GAP coverage protects you if your vehicle is totaled or stolen. It covers the difference between your loan balance and the vehicle's value.

Benefits Include:

  • Covers loan balance if vehicle is totaled
  • Protection against depreciation
  • Peace of mind for your investment
  • Affordable monthly premium
Optional - Your Choice

Important: All insurance products are completely optional. Your loan approval does not depend on purchasing insurance. You may cancel at any time for a full refund within 60 days, or a partial refund thereafter.

How We Compare to Other Options

Feature OneMain Financial Traditional Banks Credit Cards Payday Loans
Loan Amount $1,500 - $20,000 $5,000+ Varies by limit $100 - $1,000
Credit Score Flexibility ✓ All credit types ✗ Good credit required ✗ Good credit preferred ✓ No credit check
Fixed Monthly Payment ✓ Yes ✓ Yes ✗ Variable ✗ Lump sum due
Repayment Term 24 - 60 months 12 - 84 months Revolving 2 - 4 weeks
Personal Service ✓ 1,300+ branches ✓ Branch locations ✗ Limited ✗ Minimal
Prepayment Penalty ✓ None Varies ✓ None N/A
Funding Speed Same day possible 1-7 business days Instant (existing) Same day
Typical APR Range 18% - 35.99%* 6% - 36% 15% - 29.99% 400%+ APR

*APR ranges are approximate and vary based on creditworthiness, loan amount, term, and state regulations. All rates subject to approval.

Find the Right Loan for You

See which loan products you qualify for in just 2 minutes