Fixed-rate personal loan from OneMain Financial.
OneMain Financial Personal Loan
OneMain Financial ·
- APR
- 11.99% to 35.99%
- Loan amount
- $1,500 to $35,000
- Term
- 24 to 60 months
Borrowers who want money fast or prefer applying by phone or in a branch
- Money as soon as one hour after signing
- Secured and unsecured offers
- Apply online, by phone or in a branch
- APRs start at 11.99%
Our verdict
OneMain Financial Personal Loan scores 4.1 out of 5 (81.1 of 100 points) in our method, which ranks it #6 of 10 verified personal loans we compare. Best for: borrowers who want money fast or prefer applying by phone or in a branch.
Key terms
| APR | 11.99% to 35.99% |
|---|---|
| Loan amount | $1,500 to $35,000 |
| Term | 24 to 60 months |
| Terms verified | 11/03/2026 |
Pros and cons
Pros
- Money as soon as one hour after signing
- Secured and unsecured offers
- Apply online, by phone or in a branch
Cons
- APRs start at 11.99%
Who it is for
- A good fit: Borrowers who want money fast or prefer applying by phone or in a branch.
- Look at other options if any of these is a dealbreaker: aPRs start at 11.99%.
How it compares
| Loan | APR | Loan amount | Term | Origination fee | Our rating |
|---|---|---|---|---|---|
| Wells Fargo Personal Loan | from 6.74% | $3,000 to $100,000 | 12 to 84 months | none | 5.0 |
| SoFi Personal Loan | 6.99% to 35.49% | $5,000 to $100,000 | 24 to 84 months | none | 4.9 |
| Discover Personal Loan | 6.99% to 24.99% | $2,500 to $40,000 | 36 to 84 months | none | 4.6 |
| Upstart Personal Loan | 6.30% to 35.99% | $1,000 to $75,000 | 36 to 60 months | — | 4.5 |
| Citi Personal Loan | from 10.24% | $2,000 to $30,000 | — | none | 4.2 |
| OneMain Financial Personal Loan | 11.99% to 35.99% | $1,500 to $35,000 | 24 to 60 months | — | 4.1 |
| Upgrade Personal Loan | 7.74% to 35.99% | $1,000 to $50,000 | 24 to 84 months | up to 9.99% | 3.6 |
| Prosper Personal Loan | 8.99% to 35.99% | $2,000 to $50,000 | 24 to 72 months | up to 9.99% | 3.5 |
| Best Egg Personal Loan | 6.99% to 35.99% | $2,000 to $50,000 | 36 to 60 months | up to 9.99% | 3.4 |
| Avant Personal Loan | 9.95% to 35.99% | $2,000 to $35,000 | 24 to 60 months | up to 9.99% | 3.2 |
See it in our full comparison: Personal Loans: Lenders Compared.
How we scored it
The score uses only the loan’s published terms. Whether a provider pays us, or whether we have any agreement with it, plays no part. Read the full method.
| Part | Weight | This loan |
|---|---|---|
| APR | 35 | 80 / 100 |
| Origination fee | 20 | not scored |
| Amounts and terms | 15 | 59 / 100 |
| Funding speed | 10 | 100 / 100 |
| Soft-check prequalification | 10 | 100 / 100 |
| Credit requirement | 10 | not scored |
Frequently asked questions
What is the APR on the OneMain Financial Personal Loan?
OneMain Financial advertises an APR of 11.99% to 35.99% (verified 11/03/2026). The rate you are offered depends on your credit and the loan you choose, and the lowest rates usually go to the strongest applicants.
Does checking my rate affect my credit score?
OneMain Financial says that checking your rate does not affect your credit score. Read its terms for what happens when you accept an offer.
How fast can I get the money from OneMain Financial?
OneMain Financial says funds can arrive as soon as the same day after approval or signing. Timing depends on your bank and on verification.
What could a $10,000 loan cost per month?
At the lowest advertised APR (11.99%) over 36 months, the payment on $10,000 would be about $332 a month, or $11,955 in total. This treats the APR as the interest rate, so your real payment will differ with your offer and any origination fee. Use the loan calculator for your own numbers.
Sources
- OneMain Financial product page, read 11/03/2026
Terms change; confirm them on the provider’s site. Not financial advice.