Rated 4.73 out of 5 stars, 461 reviews

OneMain Financial personal loans

OneMain Financial helps applicants who don't have excellent credit borrow with flexible terms, no pre-payment penalties and funding as soon as the same day.

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Alabama
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All ratings (300-800+)

3 partner offers

Lowest est. monthly payment
OneMain Financial logo.
Est. APR18.00 - 35.99%
Term36 mo
Monthly payment$612
  • A+ from BBB, 4.8 Trust Pilot (48,000 reviews)
  • 100+ years responsible lending
  • Affordable, simple fixed terms, no prepayment penalty
  • Complete our online application in minutes
  • Money as fast as 1 hour after loan closing
  • We're here online or in person at more than 1,300 community branches across 44 states
OneMain Financial logo.
Est. APR18.00 - 35.99%
Term60 mo
Monthly payment$458
  • A+ from BBB, 4.8 Trust Pilot (48,000 reviews)
  • 100+ years responsible lending
  • Affordable, simple fixed terms, no prepayment penalty
  • Complete our online application in minutes
  • Money as fast as 1 hour after loan closing
  • We're here online or in person at more than 1,300 community branches across 44 states
OneMain Financial logo.
Est. APR18.00 - 35.99%
Term48 mo
Monthly payment$514
  • A+ from BBB, 4.8 Trust Pilot (48,000 reviews)
  • 100+ years responsible lending
  • Affordable, simple fixed terms, no prepayment penalty
  • Complete our online application in minutes
  • Money as fast as 1 hour after loan closing
  • We're here online or in person at more than 1,300 community branches across 44 states

No offers available

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Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral) and your state of residence. If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB�s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: $3,100. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.

Borrowers in these states are subject to these maximum loan sizes: North Carolinaa:$9,000 for unsecured loans to all customers, $9,000 for secured loans to present customers. Maine: $7,000. Mississippi: $12,000. West Virginia: $14,000. Loans to purchase a motor vehicle or powersports equipment from select Maine, Mississippi, and North Carolina dealerships are not subject to these maximum loan sizes.

Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.

Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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