OneMain Financial

4.7K reviews
Content rating
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About this app

OneMain Financial offers personal loans. With mobile access, customers can log in to get loan account details. We respond Monday-Friday: 7 am-8 pm CT; Saturday: 8 am-5 pm CT.

Our mobile app can be used by customers to service existing loans and to submit applications to refinance existing loans. New loan applications can’t be submitted using the mobile app. Deleting the mobile app on a device does not close or delete a OneMain loan account. As a regulated lender and financial institution, we must retain certain records under applicable law.

Our personal loans have minimum and maximum repayment periods of 24 months and 60 months, respectively. The maximum Annual Percentage Rate (APR) for a personal loan is 35.99%. Minimum loan amount offered is $1,500 and maximum is $20,000.

Not all applicants qualify for larger loans or most favorable loan terms. Larger loans require a first lien on a motor vehicle no more than 10 years old, meets our value requirements, titled in your name with valid insurance. Approval and actual loan terms depend on your state of residence and ability to meet our credit standards, including a responsible credit history, sufficient income after monthly expenses, and availability of collateral. APRs are generally higher on loans not secured by a vehicle. Highly qualified applicants may be offered higher loan amounts and/or lower APRs. Loan proceeds can’t be used for post-secondary education expenses, business or commercial purposes, buying crypto or other speculative investments, gambling or illegal purposes. Active-duty military, their spouse or dependents covered by the Military Lending Act may not pledge a vehicle as collateral.

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 Carolina: $11,000 for unsecured loans to all customers. $11,000 for secured loans to present customers; Maine: $7,000; Mississippi: $12,000; West Virginia: $13,500. Loans to purchase a motor vehicle or powersports equipment from select dealerships in NC, ME, and MS are not subject to these maximum loan sizes.

We charge loan origination fees. Depending on the state where you open the loan, there may be no origination fee or it may be a flat amount or percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of the loan subject to certain state amount limits.

Representative loan cost example: A principal amount of $6,000 at an APR of 24.99% over 60 months results in a monthly payment of $176.07. The principal and APR include any financed origination fees. The total amount paid for this loan, including principal, interest, and financed fees, would be $10,564.20. Example based on customer with average credit. Actual loan terms depend on your credit profile, including credit history, income, debts, and for secured loans, ability to provide collateral.

When refinancing or consolidating existing debt, total finance charges over the life of the new loan may be more than current debt because the interest rate may be higher and/or loan term may be longer. Loans include origination fees, which may reduce the amount of money available to pay off other debts.

State Licenses: OneMain Financial Group, LLC (NMLS# 1339418)- CA: Loans made or arranged pursuant to Department of Financial Protection and Innovation California Finance Lenders License. PA: Licensed by Pennsylvania Department of Banking and Securities. VA: Licensed by Virginia State Corporation Commission – License Number CFI-156. OneMain Mortgage Services, Inc. (NMLS# 931153). NY: Registered New York Mortgage Loan Servicer. See more licensing information at and

Need help with a screen reader? Call 800-290-7002.
Updated on
Apr 10, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 3 others
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

4.54K reviews
Christopher Buckman
September 5, 2023
The One Main app is convenient to use. I appreciate being able to see where I am in my repayment process. The site is pretty user friendly and helps me accomplish what I need to easily with little trouble. The only thing I would change is the coloring and font on some of the options (mainly making "buttons" and "bold" font) to make things faster to find and accomplish. Overall good site and I recommend downloading.
90 people found this review helpful
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OneMain Financial
September 8, 2023
We're delighted to read your 4-star review. -SG
A Google user
February 26, 2019
App is ok, but doesn't give all the features of the website. I rate it as 1 star because I would NEVER recommend this place for a loan! Not even to my worse enemy! 😠 They are the biggest rip offs there is! You can make a $200. payment & not even half goes to the balance!!! Made a $60. payment & only a few cents was credited to my account!!! If I didn't need a car as bad as I did at the time I wouldn't of took the loan! They take advantage of people with bad credit!
402 people found this review helpful
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Derrick Nelson