OneMain Financial – Personal Loan
OneMain Financial offers secured and unsecured personal loans up to $20,000, accepting bad credit and even no credit history.
Applying does not obligate you to accept a loan offer.
OneMain Financial Personal Loan – 2026 Review
OneMain Financial specializes in lending to borrowers with bad credit or no credit history through its 1,300+ branches across 44 states. Both secured (collateral required) and unsecured loans are available.
Loan Terms
Loans range from $1,500 to $20,000 with terms of 24 to 60 months. APRs run from 18.00% to 35.99%, with origination fees ranging from a flat $25-$500 or 1%-10% depending on state.
✓ Pros
- No minimum credit score
- Branch and online application
- Same-day funding
- Secured option lowers APR
✗ Cons
- Higher APRs (starts at 18%)
- Maximum loan only $20,000
- Origination fees vary by state
Loan Example
Example: $6,000 loan for 48 months at 25.99% APR = monthly payment of $211.52, total payable $10,152.96.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident in service area
- ✓ Stable income
- ✓ Valid government ID
- ✓ Optional collateral for lower rate
Loan Features
- Bad credit accepted
- Secured option available
- 1,300+ branches in 44 states
- Same-day funding possible
- No minimum credit score
Frequently Asked Questions
Same day after submitting your application.
The minimum amount at OneMain Financial is $1,500 USD.