Loans

How to apply for the OneMain Financial personal loan?

Do you need to get approved for a loan even though you have low credit? The OneMain Financial loan can help you! So, keep reading to know how to apply!

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by Victória Lourenço

10/02/2021 | Updated on 10/25/2021

Applying for OneMain Financial personal loan

Find out how to apply for OneMain Financial loan! Source: Wikipedia
Find out how to apply for OneMain Financial loan! Source: Wikipedia

The OneMain Financial loan is a personal loan company that offers great loan options for people with low credit scores. Also, it can de relatively fast to get approved for a loan with this lender. And OneMain sends your payment reports to all three major credit bureaus.

Moreover, with this lender, you can get approved for loan amounts ranging from $1,000 to $20,000, depending on your credit. In addition, you do not get a hard credit inquiry in your application process. This company only does a soft credit check. So, if you want to know how to apply for a loan with this lender, keep reading our post!

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Get loan options for low credit scores Payment flexibility

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Apply online

Check out how to make your online application for a loan with this lender! Source: Gettyimages
Check out how to make your online application for a loan with this lender! Source: Gettyimages

Before applying for a loan with this lender, be sure to check out if you pre-qualify and have all the requirements. So, after you have done this, you can apply online by going to OneMain’s website. On their website, you can provide your personal financial information in the required fields. After that, they will send you an email with a response.

Apply using the app

Find out if you can apply for a loan using this lender's mobile app. Source: Gettyimages
Find out if you can apply for a loan using this lender’s mobile app. Source: Gettyimages

You can manage your account on OneMain Financial mobile app. However, you will need to open an account and apply for loans only through the website. So, the app can be very useful to manage and check your loan payments and repayments, but you need to have an account to log in and use the app.

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OneMain Financial vs. Upstart personal loan

In case you need more research about different personal loan companies, we can help you by providing some information about another lender option. So, here is a comparison between OneMain Financial and Upstart personal loan!

OneMain FinancialUpstart
APRIt varies between 18.00 and 35.99%From 4.37% to 35.99%
LOAN PURPOSEThis loan may be used for a lot of options, such as home improvements, weddings, debt consolidation, and unexpected expenses.You may use loans to pay down debt, pay off credit cards, and more.
LOAN AMOUNTS$1,500 to $20,000Loans can be obtained in amounts ranging from $1,000 to $50,000.
CREDIT NEEDEDThere is no minimum point credit requirement.A minimum credit score of 580 is required.
TERMSYou have the option of repaying the loan in 24, 36, 48, or 60 months.You may choose between a 3- or 5-year repayment plan with this lender.
ORIGINATION FEEThe origination fee varies per state, ranging from $425 to $500.
In other states, this fee might range from 1% to 10% of the loan amount.
The fees charged might be somewhere between 0% to 8% of the loan amount.
LATE FEEPenalties for late payments can vary from $10 to $30, or 15% of the amount owed.There will be a late fee of 5% of the late amount, or $15, whichever is higher.
EARLY PAYOFF PENALTYWith this lender, there is no penalty for paying it off early.There is no penalty for paying off your loan early.

How to apply for Upstart personal loan?

Are you looking for a good online personal loan platform? If so, Upstart loan can be a good choice. So, read more to know how to apply!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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