OneMain

Company Summary

OneMain Financial is a popular financial institution that has both physical branch locations in addition to a large online presence. They’ve served as a direct lender for more than 100 years, offering both personal and auto loans between $1,500 and $30,000. They offer fixed interest rates so you don’t have to worry about your payment fluctuating each month. You can get pre-qualified online without impacting your credit score and view offers for your desired loan type.

The loan application process with OneMain differs slightly compared to lenders that operate strictly online. You’ll start off with an online application, including information on your employment and finances. At that point, you’ll receive a quick financing decision on your loan request. Here’s where things get interesting. Part of the process involves talking to a loan specialist in person at one of OneMain’s 1,600 branch locations across the country. There you’ll verify your identity, income, and other pertinent details relevant to the loan. Once your application is approved, you’ll sign your paperwork and receive your loan funds. If you’re approved by noon, you may even qualify for same-day funding.