✓ 110+ Years Experience ✓ 1,300+ Branches ✓ 10M+ Customers

Why Choose OneMain Financial?

Experience the difference of working with America's trusted personal loan leader since 1912

What Sets Us Apart

🏛️

110+ Years of Experience

A legacy of trust since 1912

  • Over a century of helping Americans achieve financial goals
  • Survived and thrived through every economic era
  • Deep understanding of diverse financial situations
  • Time-tested lending practices and policies
Why It Matters: Our longevity proves we're stable, trustworthy, and committed to responsible lending. We've helped millions of customers through generations.
🤝

Personal Service

Real people, real relationships

  • 1,300+ local branches across 47 states
  • Dedicated loan specialists in every location
  • Face-to-face consultations available
  • Personalized solutions, not one-size-fits-all
Why It Matters: Unlike online-only lenders, we offer the human touch. Talk to real people who understand your unique situation and care about your success.
✅

Flexible Credit Requirements

Credit challenges? We can help.

  • Work with all credit types, including limited credit
  • Look beyond just your credit score
  • Consider your whole financial picture
  • Solutions when traditional banks say no
Why It Matters: Nearly 100 million Americans have nonprime credit. We specialize in helping people who might not qualify at traditional banks.
⚡

Fast Funding

Get money when you need it

  • Same-day funding available after approval
  • Quick pre-qualification in 2 minutes
  • Streamlined application process
  • Multiple funding options (direct deposit, check, branch pickup)
Why It Matters: Financial emergencies don't wait. When you need funds quickly, we work to get you approved and funded as fast as possible.
💰

No Prepayment Penalties

Pay off early and save

  • Zero penalties for paying off your loan early
  • Save money on interest by paying ahead
  • Flexible payment options when finances improve
  • Rewards responsible financial behavior
Why It Matters: Many lenders charge hefty fees if you pay early. We encourage you to get out of debt faster without any penalties.
📊

Transparent Pricing

No hidden fees or surprises

  • All costs disclosed upfront before you sign
  • Clear explanation of APR, fees, and terms
  • Fixed monthly payments that never change
  • Written loan agreement you can review and understand
Why It Matters: We believe in complete transparency. You'll know exactly what you're paying before making any commitment.

OneMain by the Numbers

110+
Years in Business
Serving Americans since 1912
10M+
Customers Served
Millions trust us with their financial needs
1,300+
Branch Locations
Conveniently located nationwide
47
States Served
Coast to coast coverage

How We Stack Up Against the Competition

See why customers choose OneMain Financial over other options

Feature OneMain Financial Traditional Banks Online Only Lenders Credit Cards
Works with All Credit Types ✓ Yes ✗ Good credit only Limited ✗ Good credit preferred
Local Branch Access ✓ 1,300+ locations ✓ Yes ✗ None Limited
Personal Loan Specialists ✓ In every branch Limited ✗ No ✗ No
Same-Day Funding ✓ Available 1-7 days 1-5 days ✓ Instant (existing)
Fixed Monthly Payment ✓ Always ✓ Yes ✓ Yes ✗ Variable
No Prepayment Penalty ✓ Never Varies Varies ✓ N/A
Loan Amount Range $1,500 - $20,000 $5,000+ $1,000 - $50,000 Varies by limit
Years in Business 110+ years Varies 5-15 years Varies
Customer Service Phone, online & in-person Phone & in-person Phone & online only Phone & online

What Our Customers Say

"

"I had been turned down by three banks before finding OneMain. They took the time to understand my situation and worked with me to get approved. The branch manager was incredibly helpful and patient throughout the entire process."

MJ
Maria J.
Phoenix, AZ
★★★★★
"

"Fast and professional. I needed money quickly for an emergency home repair, and OneMain came through. I got approved the same day and had my funds within hours. They saved me from a much worse situation."

DT
David T.
Atlanta, GA
★★★★★
"

"I consolidated $15,000 in credit card debt with OneMain and I'm finally seeing the light at the end of the tunnel. My monthly payment is lower and I know exactly when I'll be debt-free. Best financial decision I've made."

SC
Sandra C.
Dallas, TX
★★★★★
"

"The personal service made all the difference. Rather than just being a number, I felt like they actually cared about helping me succeed. My loan specialist explained everything clearly and made sure I was comfortable with the terms."

JR
James R.
Miami, FL
★★★★★

Recognition & Awards

🏆

Top 100 Most Loved Workplace®

Recognized by Newsweek in 2022 for exceptional employee satisfaction and company culture

⭐

BBB Accredited Business

Maintaining high standards of trust and ethical business practices

🎖️

NYSE Listed Company

Publicly traded (OMF) with transparent financial reporting and governance

📜

Fully Licensed & Regulated

NMLS #1339418 - Licensed in 47 states with full regulatory compliance

Our Customer Guarantee

🛡️ Affordable Loans

We work with you to create a monthly payment that fits your budget. We'll review your income and expenses together to ensure you can comfortably afford your loan.

  • Personalized budget analysis
  • Payments you can actually afford
  • No pressure to borrow more than needed

📝 Clear Terms

Everything in writing, everything explained. Before you sign, you'll understand your exact rate, payment, term, and all fees. No hidden charges or fine print surprises.

  • All terms disclosed upfront
  • Time to review before signing
  • Questions encouraged and answered

🤝 Fair Treatment

Respectful, pressure-free service. We never use high-pressure sales tactics. Optional products like insurance are truly optional and never affect your loan approval.

  • No pressure sales tactics
  • Respectful communication
  • Your decision is always respected

💬 Satisfaction Promise

We want you to be completely satisfied. If you have concerns or questions at any point, we're here to help resolve them quickly and fairly.

  • Responsive customer service
  • Issues resolved promptly
  • Multiple ways to contact us

Ready to Experience the OneMain Difference?

Join over 10 million satisfied customers who chose OneMain Financial