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OneMain Financial Personal Loans: Rates, Terms and Fees (2026)
Short answer: OneMain works with borrowers who have fair or limited credit and offers in-branch help at more than 1,300 locations. A car can secure the loan for a lower rate.
| At a glance | OneMain Financial |
|---|---|
| APR range | 11.99% to 35.99% |
| Loan amounts | $1,500 to $30,000 |
| Terms | 24 to 60 months |
| Origination fee | 1% to 10%, or a flat $25 to $500, depending on state |
| Funding time | About 1 hour after closing to a debit card, or 1 to 2 business days |
| Minimum credit score | Not published |
| Late fee | Up to $30 or 15% of the payment, depending on state |
| Availability | Not available in AK, AR, CT, MA, RI, VT or D.C. |
| Credit check to pre-qualify | Soft pull through CLO |
Good to know
- Secured loans with a vehicle 10 years old or newer
- Co-applicants allowed, no co-signers
- Pays creditors directly for debt consolidation
- State limits on amounts, e.g. $7,000 maximum in Maine
How OneMain Financial reaches CLO
Offers from OneMain Financial come through CLO's partner network, powered by Flexxbuy. CLO is not a lender and doesn't make credit decisions. Lenders can't pay to change what this profile says.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
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OneMain Financial personal loan questions
What credit score do I need for OneMain Financial?
OneMain Financial doesn't publish a minimum credit score. Pre-qualifying through CLO shows whether OneMain Financial will make you an offer, without affecting your credit.
How much can I borrow from OneMain Financial?
OneMain Financial loan amounts: $1,500 to $30,000. The amount you're offered depends on your income, credit, existing debt and state.
What APR does OneMain Financial charge?
OneMain Financial's published APR range is 11.99% to 35.99%. Your rate depends on your credit profile, loan amount and term.
How fast does OneMain Financial fund loans?
About 1 hour after closing to a debit card, or 1 to 2 business days. Timing starts once your application and documents are complete.
Does checking my rate with OneMain Financial affect my credit?
No. Pre-qualifying through CLO uses a soft credit pull. A hard inquiry happens only if you accept an offer and complete OneMain Financial's application.
Sources: >NerdWallet review · >Bankrate review. Found an error? Report it.