OneMain Financial: personal loan terms and fees
Secured and unsecured offers with state-specific fees and collateral conditions.
Product details and conditions
Amounts, terms and APR
OneMain advertises $1,500–$30,000, 24–60 months, and fixed APRs of 11.99%–35.99%. State limits and individual qualification can change the available amounts and terms.
Personal loan — official product terms ↓Collateral
Larger amounts generally require a first lien on an eligible insured vehicle no more than ten years old. Secured and unsecured offers differ; covered military borrowers cannot pledge a vehicle.
Personal loan — official product terms ↓Origination and other fees
Depending on the state, origination charges are $25–$500 or 1%–10%, subject to state limits. Late, returned-payment and title-related charges may also apply.
OneMain loan amounts and fees ↓Funding conditions
One-hour funding requires SpeedFunds disbursement to a bank-issued debit card after closing. Check or ACH availability may take about 1–2 business days and depends on the receiving bank.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24
- OneMain loan amounts and fees ↗
Checked 2026-09-24