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OneMain Financial Personal Loan

11.99% to 35.99% APR, $1,500 to $30,000, secured and unsecured offers, funds in as little as 1 hour

Rates verified October 14, 2026
Personal Loans
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The Bottom Line

APR range
11.99%-35.99% (verified Oct 14, 2026). All rates and fees

Key facts

  • Loan amount: $1,500-$30,000
  • Origination fee: 1%-10%
  • Term: 24-60 mo

Pros

  • Funds as fast as 1 hour after closing to a debit card
  • A vehicle lien can allow larger amounts
  • No penalty for paying off early
  • Looking at offers does not affect your credit score

Cons

  • APRs are generally higher on loans not secured by a vehicle
  • Origination fees of 1% to 10%, or a flat $25 to $500, depending on your state
  • Late fees can reach 15% of the payment depending on your state
  • Capped at $30,000, with lower limits in some states

At a glance

Rates verified October 14, 2026
APR range
11.99%-35.99%
APR basis
Generally higher on loans not secured by a vehicle.
Loan amounts
$1,500-$30,000
Terms
24-60 months
Origination fee
1%-10%. In some states a flat fee of $25 to $500 applies instead; the amount varies by state.
Funding speed
As fast as 1 hour after closing to a bank-issued debit card; about 1 to 2 business days by check or ACH
Prepayment penalty
None
Soft-pull rate check
Yes
Eligibility
Larger loans require a first lien on a motor vehicle no more than ten years old
State restrictions
Minimum loan sizes: Alabama $2,100, California $3,000, Georgia $3,100, North Dakota $2,000, Ohio $2,000, Virginia $2,600. Maximums: North Carolina $11,000, Maine $7,000, West Virginia $13,500.
Lender
OneMain Financial Group, LLC

Sources: onemainfinancial.com/personal-loans, onemainfinancial.com/legal/loan-fees, read October 14, 2026

Read before you apply

  • Origination fees depend on your state: a flat $25 to $500, or 1% to 10% of the loan.
  • APRs are generally higher on loans not secured by a vehicle, and larger amounts require a car as collateral.
  • Late fees can run $5 to $30 flat or 1.5% to 15% of the payment, depending on your state.
  • A 35.99% ceiling is very expensive. Compare other lenders before taking a high-APR offer.

Where these numbers come from

Read on the lender's own pages on October 14, 2026. Your offer can differ: the lender sets your APR and fee when you apply.

Is it worth it?

$1,955 to $6,487 in interest and fees on $10,000 over 36 months

To receive $10,000 and repay it over 36 months, the lowest published APR (11.99%) works out to about $332 a month and $1,955 in total interest and fees. At the highest (35.99%) it is about $458 a month and $6,487. The gap between the two is $4,532, so the rate you are actually offered matters more than the headline. Estimated from the published APR range, which already includes any origination fee. The lowest rates are reserved for the best-qualified borrowers.

What is OneMain Financial Personal Loan?

Sources read on the date shown
OneMain mixes secured and unsecured offers. Its fixed APRs run from 11.99% to 35.99% for loans of $1,500 to $30,000 over 24 to 60 months. Larger amounts require a first lien on a motor vehicle that is no more than ten years old, and OneMain says APRs are generally higher on loans not secured by a vehicle. Active-duty military covered by the Military Lending Act may not pledge a vehicle. Fees are layered and depend on your state. OneMain's loans include origination fees that its fee page describes as either a flat amount of $25 to $500 or a percentage of 1% to 10% of the loan. Late fees can run $5 to $30 flat or 1.5% to 15% of the payment, and a returned payment can cost $10 to $50. OneMain says you can pay off a loan early without penalties at any time. Its example, a $6,000 loan at a 24.99% APR over 60 months, costs $176.07 a month. Funding speed is the draw: as fast as 1 hour after loan closing when the money goes to a bank-issued debit card, or about 1 to 2 business days by check or ACH. Looking at offers does not affect your credit score. State rules change the numbers: minimum loan sizes are higher in Alabama, California, Georgia, North Dakota, Ohio and Virginia, and maximums are capped in North Carolina, Maine and West Virginia. OneMain publishes no minimum credit score and does not say whether co-applicants are allowed.
Sourceonemainfinancial.com ↗

Key details

APR 11.99% to 35.99%Loans from $1,500 to $30,000Terms from 24 to 60 monthsSecured and unsecured offersFunds in as little as 1 hour after closingNo penalty for paying off early

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OneMain Financial Personal Loan FAQ

What APR does OneMain charge on personal loans?

OneMain states fixed rates from 11.99% to 35.99% APR for loans of $1,500 to $30,000 with terms of 24 to 60 months. APRs are generally higher on loans not secured by a vehicle.

What fees does OneMain charge?

OneMain's loans include an origination fee that is either a flat amount of $25 to $500 or 1% to 10% of the loan amount, depending on your state. Late fees range from a flat $5 to $30 or 1.5% to 15% of the payment, and a returned payment can cost $10 to $50, subject to state limits.

How fast does OneMain fund a loan?

As fast as 1 hour after loan closing when the money goes to a bank-issued debit card. By check or ACH it takes about 1 to 2 business days.

Can I pay a OneMain loan off early?

Yes. OneMain says that if you choose a OneMain loan you can pay it off early without penalties at any time, with a one-time payment or by adding to your monthly payment.

Source: onemainfinancial.com