Loans (US)
How to apply for the OneMain Financial Loan?
Looking for a personal loan? OneMain Financial is here to help. Learn how to apply for a loan and get the money you need today.
OneMain Financial Loan: You can apply regardless of your score!
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!
Apply online
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.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Apply using the app
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.
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 Financial | Upstart | |
| APR | It ranges between 18.00% – 35.99%. | The APR ranges from 5.42% – 35.99% |
| LOAN PURPOSE | This 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 $20,000 | Loans can be obtained in amounts ranging from $1,000 to $50,000. |
| CREDIT NEEDED | There is no minimum credit requirements. | Not disclosed. |
| TERMS | From 2 to 5 years. | This lender offers the option to choose between a 3 or 5-year repayment term. |
| ORIGINATION FEE | The origination fee ranges between $25 to $500 or 1% to 10%. | The fees offered can range from 0% to 10% of the amount of the loan. |
| LATE FEE | Late penalties can range from $5 to $30, or 1.5% to 15%. | A late fee of 5% of the late amount or $15 of this amount, whichever is greater. |
| EARLY PAYOFF PENALTY | With 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 the Upstart Personal Loans
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!
Victória Lourenço
Aline Barbosa
Senior Editor
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