Eligibility Requirements:
- Must be 18 or older
- U.S. resident
- Valid ID
- Proof of income (employment or self-employed)
- Vehicle title and insurance (for secured loans)
Loan application steps:
- Go to onemainfinancial.com
- Click “Check for Offers” (no credit impact)
- Fill out personal and income details
- Upload ID, proof of residence, and income
- Review and accept your offer
- Receive funds by ACH, check, or SpeedFunds® debit network
Frequently Asked Questions
How long does it take to get approved for a OneMain Financial loan?
You can get a decision in minutes and receive funds as fast as 1 hour after signing.
Is it required to explain why credit is being used?
You need to select a loan purpose, but detailed explanations are not required.
Do I need to have a good credit score to be approved for a OneMain Financial loan?
No. OneMain is designed to work with applicants who have fair or poor credit.
Can I apply for a loan if I am self-employed?
Yes, as long as you provide proof of income such as bank statements or tax returns.