OneMain Financial Quick Cash Loans Review

Online and offline personal loans with one of the most widespread financial institutions in the country, with more than 1,400 stores in 44 states. It offers secured and unsecured quick loans that you can apply for even if you have a bad credit score.

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Loan benefits
Without Payroll: No
With Bad Credit: Yes
Cash: Yes
Loan limits
Minimum term: 24 months
Deadline: 60 months
Minimum amount: $ 1,500
Max amount: $ 20,000

More info about OneMain Financial

Personal loans are a flexible and convenient option for obtaining the financial support you need at certain times in your life. These funds can be used for a variety of purposes. Therefore, they are considered a great alternative to meet unforeseen expenses or to carry out personal projects.

OneMain Financial is one of the most outstanding options to obtain financing. With more than 100 years of experience in the industry, this financial institution has the trust of thousands of customers thanks to its commitment to their satisfaction and its ability to provide effective financial solutions.

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This lender offers personal loans that suit a wide variety of needs, with competitive interest rates and a simple application process. Plus, you can access their financing online or at one of their 1,400 branches in 44 states.

So if you're looking for a reliable option for your financing needs, OneMain Financial is a choice worth considering.

OneMain Financial

Features of OneMain Financial's personal loans.

At this bank, you can find financing that is right for you because they offer products with these features:

  • Amounts from $1,500 to $20,000.
  • Fixed rates ranging from 18.00% to 35.99% APR.
  • Terms from 24 to 60 months.
  • Secured and unsecured loan offerings.

What is the difference between a secured and unsecured loan?

Before taking a loan with this entity, it is important that you know the difference between these two options.

A secured loan requires you to provide some type of collateral, such as a vehicle, to back up the financing. If you are unable to make the payments, the lender can repossess the collateral.

An unsecured loan, on the other hand, does not require this collateral from you. However, you may have to meet stricter requirements to be approved or the interest rates may be higher.

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Offering collateral can improve your chances of getting the money you need, especially if your credit history is not strong. It may even give you access to lower rates or smaller monthly payments. Plus, making timely payments on a secured loan can benefit your credit score in the long run.

However, it's important to keep in mind that if you default on a secured loan, the bank can seize the collateral to collect what is owed. This is not the case with unsecured loans.

OneMain Financial Application Requirements

If you want to get a personal loan at OneMain Financial, you should know that there are some things that affect your eligibility such as:

  • Financial history. The bank doesn't just look at whether or not you've paid on time. They also consider your overall finances, such as how well you self-support your monthly expenses with your income.
  • Credit history. In addition to your credit score, they look at what type of credit you have had and how you have handled it. They also consider how often you apply for financing or whether you refinance often.
  • Income and expenses. It is key that your expenses do not exceed 40% of your income to reduce the risk of non-payment.
  • Purpose. Although you can use the money for different purposes, it is usually better seen if it is for something productive, such as education, rather than for consumption or leisure. They may ask for details to analyze feasibility.
  • If you have filed for bankruptcy. This is a strong risk factor, but may be waived after a certain amount of time after you have healed your finances and re-established credit.

What do you need to apply for a loan with OneMain Financial?

To apply for financing you will need the following documents:

  • A copy of a valid government issued ID (driver's license or passport).
  • Proof of income (pay stubs or tax returns).
  • Social Security Number (SSN)
  • Proof of residency (driver's license with current address, utility bill or signed rental agreement).

Please note that the bank may ask for more information depending on your situation.

Steps to apply for a personal loan at OneMain Financial

Here's how to apply for financing at OneMain Financial:

  1. Enter the entity's website and look for the 'Check for offers' option to review the available offers.
  2. Indicate the amount you need and select 'Continue' to continue with the process.
  3. Provide personal information such as your first and last name and address. You will also need to provide your email address and phone number.
  4. Submit the documentation. After providing your information, the bank will contact you to provide the necessary documentation.
  5. Review and sign the contract. Once you have submitted the necessary documentation, you will need to read the loan contract. If you agree, the next step is to sign the contract.
  6. Select the withdrawal method. Finally, you will be able to select your preferred withdrawal method. You can choose to receive the funds through your bank account, in cash or by check. Direct deposited funds (ACH) will be available approximately 1 to 2 banking days after loan closing.

OneMain Financial offers a solid and reliable solution for those seeking financing. With competitive interest rates, flexible terms and a simple application process, this financial institution stands out in the marketplace.

Whether you need funds for emergencies, personal projects or debt consolidation, OneMain Financial's personal loans can help you achieve your financial goals.

How to contact OneMain Financial


OneMain Holdings, Inc. - 601 N.W. Second Street -Evansville, IN 47708-1013


[email protected]



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