For Bad Credit Options

OneMain Financial review

Secured or unsecured personal loans for borrowers with thin or damaged credit.

Amount

$1,500–$20,000

Term

24–60 months

Cost

APR 18.00%–35.99%; origination may apply

Funding

Same-day in many cases

Source: OneMain Financial public terms, as of April 2026. Subject to change.

What it is

OneMain is one of the largest sub-prime personal-loan lenders in the US. They offer both unsecured loans and secured loans (with a vehicle title or other collateral) for borrowers who don’t qualify with prime lenders.

Many branches operate in person, which can make in-branch approval and same-day funding more practical than online-only lenders.

Pros

Accepts lower credit scores than prime lenders
In-person and online application options
Same-day funding common when applying in branch
APR capped at 35.99%

Cons

Higher APR floor (18%) than prime lenders
Secured loans put your vehicle (or other collateral) at risk
Origination fees in most states

Best for

Borrowers who can’t qualify for a prime personal loan and want a predictable installment over 2–5 years.

Bottom line

Reasonable choice in the bad-credit category — APR explicitly capped at 35.99%. Read the secured-loan terms carefully if collateral is offered.

External link

OneMain official site

Continue to OneMain

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