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OneMain Financial Personal & Debt Consolidation Loan

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About OneMain Financial Personal Loans

The OneMain Financial Personal & Debt Consolidation Loan from OneMain Financial is one of the top-rated Personal Loans options evaluated on MoneyCompared, earning an overall product score of 8.7/10. OneMain Financial (NYSE: OMF) is the largest non-prime personal and auto-secured lender in the United States, operating 1,300+ nationwide branches alongside digital same-day funding via SpeedFunds for borrowers rebuilding or establishing credit.
Key highlights include 18.00% - 35.99% Fixed APR, a fee structure of 1% - 10% State-Capped Origination, and Same-day SpeedFunds payout + 7-day penalty-free cancellation guarantee.

Features

Annual Fee	1% - 10% State-Capped Origination
Regular APR / Rate	18.00% - 35.99% Fixed APR
Intro Offer / Welcome Bonus	Same-day SpeedFunds payout + 7-day penalty-free cancellation guarantee
Savings APY / AER	Unsecured or auto-secured options with co-applicants allowed
Minimum Deposit	$1,500 - $20,000 Loan Amounts
Foreign Transaction Fee	$0 (None)
Deposit Insurance	FDIC / NCUA Insured ($250k+)
Mobile App Rating	4.8 / 5.0
Overall Rating	8.7 / 10

About Product

Annual / Monthly Fee: 1% - 10% State-Capped Origination
APR / APY Rate: 18.00% - 35.99% Fixed APR
Intro Offer / Bonus: Same-day SpeedFunds payout + 7-day penalty-free cancellation guarantee
Key Benefits: Unsecured or auto-secured options with co-applicants allowed
Minimum Requirement: $1,500 - $20,000 Loan Amounts
Institution: OneMain Financial (Evansville, IN, USA)

Pros

Rate / APY / APR: 18.00% - 35.99% Fixed APR
Fee Structure: 1% - 10% State-Capped Origination
Welcome Offer / Highlight: Same-day SpeedFunds payout + 7-day penalty-free cancellation guarantee
Key Perks: Unsecured or auto-secured options with co-applicants allowed

Cons