OneMain Financial
Last updated July 2026 · Educational overview — not an endorsement
Relief Guardian is not a lender and does not recommend one lender over another. This page presents factual, publicly available information to help you evaluate OneMain Financial against other options before borrowing.
Company Overview
OneMain Financial offers both unsecured and secured personal installment loans, with amounts ranging from about $1,500 to $30,000 depending on your state. Loan terms typically run 24 to 60 months. Most lenders in this guide operate entirely online — OneMain is one of the few that also has physical branches, with locations in around 44 states. OneMain does not currently lend in Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont, or Washington, D.C.
Loan Products
- Unsecured personal installment loans
- Secured personal installment loans
Typical Loan Amount
$1,500 – $30,000 (varies by state)
Loan Term
24 to 60 months
Funding Timeline
OneMain states funding can happen as soon as the next business day, though secured loans and some unsecured loans may require an in-person branch visit to finalize.
Credit Review Process
OneMain offers a rate check that uses a soft credit inquiry, which doesn't affect your score. If you move forward with a full application, a hard credit pull is required. OneMain doesn't publish a minimum credit score — approval leans on income and overall financial picture rather than a score cutoff alone.
Soft Inquiry
Hard Inquiry
Alt. Underwriting
Income Check
State Availability
OneMain doesn't currently lend in Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont, or Washington, D.C. Confirm current state availability directly with OneMain before applying.
Potential Benefits
- No stated minimum credit score — one of the more accessible options in this guide for thinner credit histories
- Physical branch locations in around 44 states, for borrowers who'd rather talk to someone in person
- Rate check uses a soft credit inquiry that doesn't affect your score
Potential Considerations
- Rates on the lower end of approval (thinner credit history, lower income) tend to land toward the higher end of OneMain's APR range
- Secured loans and some unsecured loans may require an in-person branch visit to finalize
- Origination fee varies by state — either a flat fee (roughly $25–$500) or a percentage of the loan amount (roughly 1%–10%)
Frequently Asked Questions
Does OneMain Financial have a minimum credit score?
OneMain doesn't publish a minimum credit score. It's one of the more accessible options in this guide for borrowers with a credit score under 600, since approval leans on income and overall financial picture rather than a score cutoff alone.
Can I apply for a OneMain loan in person?
Yes — OneMain is one of the few lenders in this guide with physical branches, in around 44 states. Some secured loans may require an in-person step to finalize.
Learn More Directly From OneMain Financial
Always review current rates, fees, and state availability on the lender's own website before applying.
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