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OneMain Financial Reviews: Does Offer Online Loans with No Credit Check with Legit APR Rates?

by Arthur Zuckerman

onemainOneMain Financial was formerly CitiFinancial and changed its name in 2011 to get a new identity befitting its nature of business. OneMain Financial offers personal loans at neighborhood branches. It works with customers one-to-one to offer customized solutions. This lender has been in business since 1912 and has been supporting its customers and communities since then.

How is the lender different?

OneMain Financial offers unsecured and secured personal loans to fit your needs and budget.

  • Personal loan amounts up to $15,000. Maximum loan amounts vary by state.
  • Clear terms and multiple payment options
  • Fixed rates for the length of the loan
  • Money the same day, if approved by noon
  • No collateral or homeownership needed for unsecured personal loans. You could get a lower rate with a secured personal loan if you use your car as collateral.
  • Fixed rates: Your rate won’t change for the life of your loan.
  • Risk free, 14-day guarantee: If you are not happy with the loan, cancel it and return the money within 14 days. There are no penalties.
  • No prepayment penalties: Pay off your loan early without penalty fees.

OneMain Financial Benefits:

  • One-on-one personal service: OneMain Financial has branches nationwide, so they are just a local call or short drive away.
  • Straightforward approach: The loan application process is simple and the terms are clear. Your payment and rate will be fixed.
  • Flexible payment options: Choose a convenient due date and pay online, at a branch or by phone.

How to apply for a loan?

  • Visit a branch
  • Call 877-540-6246
  • Apply online

Lender Details

Most recurring positive comments

  • Good option for emergencies
  • Happy with the service received
  • Like the fact that there are no prepayment penalties

Most recurring negative comments

  • Interest rates are high
  • Company should be more transparent about its rates


Loan amount: $300-$15,000 – Maximum loan amounts vary by state

APR: Interest rates are based on various factors including your income, credit score and payment.

Areas being served: OneMain Financial does not accept applications from residents in Alaska, Arkansas, Connecticut, Massachusetts, Nevada, Rhode Island, Vermont and Washington D.C.

Eligibility Criteria

  • You are a U.S. resident. Note: OneMain Financial cannot accept applications from residents in Alaska, Arkansas, Connecticut, Massachusetts, Nevada, Rhode Island, Vermont and Washington, D.C.
  • You are at least 18 years old. (Alabama and Nebraska residents must be at least 19 years old.)
  • You have not filed for bankruptcy
  • You have some established credit history (based on OneMain Financial’s minimum standard credit criteria).
  • You have the ability to make monthly payments to pay off your loan.
  • You need the loan for personal, family or household purposes.

Personal information required

  • Basic personal information
  • Home address
  • Email address
  • Home phone number
  • Cell phone number
  • Date of birth
  • Social Security number
  • Employment and financial information

Contact details

Phone: 1-877-550-MAIN (6246)
Email: Fill in a contact form on the lender’s website
Office address: OneMain Financial Customer Care, NTBS-2320, 6801 Colwell Blvd., Irving, TX 75039

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