OneMain Financial: quick loan with poor credit but…

OneMain Financial: quick loan with poor credit but…

OneMain Financial provides quick loan to borrowers with poor credit, but are willing to pay a higher interest rate — up to 35.99%.

The financial platform unlike many other lenders, doesn’t have a minimum required credit score — which means you might be able to qualify for a quick loan even with poor or no credit. With your credit, OneMain Financial will also consider your financial history, credit history, expenses, income, and loan purpose to determine creditworthiness.

You can borrow from $1,500 to $20,000 with repayment terms from two to five years. Keep in mind that collateral might be required in some cases.


  • No minimum credit score
  • Quick loan funding
  • Previous customers might qualify for larger loans


  • Rates can be higher than other lenders
  • Might require collateral
  • You Will have to visit a branch location to discuss your options if you’re approved

Best for:

  • Below-average credit
  • Debt consolidation
  • Small loan amounts

OneMain Financial interest rates and loan details

OneMain Financial offers both secured and unsecured quick loan of up to $20,000, with repayment terms ranging from 2 to 5 years. There are no prepayment fees, but OneMain charges origination fees that vary from state to state. In New Mexico, for example, OneMain may charge a loan processing fee of up to $200.

Loan size       

$1,500 to $20,000 (may require collateral)

Loan terms   

2 to 5 years

Min. credit score      


Time to get fund

As soon as the same day, but usually requires a visit to a branch office


  • Origination fees vary by state
  • No prepayment penalty

Loan use

  • Debt consolidation
  • Home improvement
  • Any quick expense or purchase

Key benefits

  • Available to borrowers with less than prime credit
  • In-person “ability-to-pay evaluation”
  • Previous customers may qualify for larger loans


Photo I.D. issued by U.S. federal, state or local government required.

Best for

  • Below-average credit
  • Debt consolidation
  • Smaller loan amounts

How to Qualify and Quick loan Appraisal

When evaluating your loan application, OneMain looks at your financial history, income and expenses, credit history, and loan purpose to see if you’re eligible. The company’s “ability-to-pay” evaluation looks at your net income, and a loan specialist reviews your outstanding debts and quick living expenses.


OneMain offers repayment terms of two to five years, this will enable you to be able to choose a loan with a monthly payment that’s the best fit for your budget. The interest rate and monthly payment on all OneMain quick loan are fixed, and there are no prepayment penalties.

How to apply

You can apply for a OneMain quick loan online. Then after your approval, you’ll meet with a OneMain loan specialist at one of the company’s 1,600 branch offices to discuss your options.

You can apply for a LendingPoint Quick Loan from HERE

To learn more about LendingPoint, CLICK HERE

Quick Loan Arena is not a loan agency and we do not give out loan to anybody. We are a quick loan review blog that seeks to inform and educate individuals and small  businesses about instant loan opportunities to help them take informed decisions. Book A Call TODAY and speak with any of our Loan Consultants for more information! Call or Whatsapp +234 (0)803 385 7245.

Do remember to give us a feedback about your quick loan experience after the lending process is executed.

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About the Author: Susan Adeyemi


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