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Overall Score

219 User Reviews

OneMain Financial has been offering financial solutions since 1912 and has nearly 1,700 local branches in 44 states. OneMain Financial was formerly CitiFinancial. Springleaf Financial acquired OneMain Financial in 2015 and the combined companies are now known as OneMain.

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#4 OneMain Financial Logo OneMain Financial



219 User Reviews

The Good

  • Availability
  • Receive Funds by Next Day
  • Industry Pioneer


OneMain Financial has branches in 44 states, providing a large portion of the country the opportunity to take advantage of its services. In total, there are nearly 1,700 branches. OneMain Financial offers three ways to apply for a personal or auto loan: online, over the phone, or in person. It is one of only a few loan companies to offer three application options, as many newer providers only offer an online option. For those customers who like a personal touch, OneMain can provide it.

Receive Funds by Next Day

After discussing your particular case with a professional, qualified loan processor, if you are approved by noon, you can receive your money by as soon as the same day. OneMain loan proceeds may be disbursed by check, Automated Clearing House (ACH) deposit or a prepaid card. Receipt and availability of loan proceeds varies based on the funding option selected. You can contact a OneMain loan specialist for additional information about funding options and funds availability.

Industry Pioneer

Originally established back in 1912 under the name Commercial Credit, OneMain Financial touts itself as a pioneer in the finance industry. Just four years after its founding, the company began offering installment loans for automobiles, which was an exciting new phenomenon at the time. Since 1944, the company has been operating a credit insurance unit known as OneMain Solutions. The company is an experienced player in the financial industry.

The Bad

  • Limited Max Loan Amount

Limited Max Loan Amount

With OneMain Financial, the maximum loan amount available is $25,000, which is relatively low when compared to loan amounts offered by other top companies in the industry. You have the option to take out a higher amount of loan with OneMain if this loan is a car loan. Consumers who need to borrow more than $25,000 for their loan will most likely have better luck with a different lender.

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The Bottom Line

OneMain Financial allows consumers to apply for a loan online, over the phone, or in person, making the process simple and convenient for many individuals. However, due to the low maximum amount and varying rates and terms, OneMain Financial doesn't give you much information about your loan prior to applying.

*Annual percentage rate (APR) of 18.49 percent represents maximum APR for top 10 percent of loans booked in June and July 2017. Maximum APR is 35.99 percent, subject to state restrictions.

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