Having less-than-perfect credit can reduce your options when you need a personal loan, and sometimes you need a loan in an emergency or to cover other expenses. Fortunately, both OneMain and Reprise are willing to work with people with bad credit, although one lender may be less expensive.
Reprise Financial |
OneMain Financial personal loans |
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| Finder score | 3.4★★★★★ | 3.4★★★★★ |
| APR | 9.99% to 36% | 11.99% to 35.99% |
| Origination Fee | Up to 6% | 1% to 10% |
| Loan amount | $2,500 to $25,000 | $1,500 to $20,000 |
| Turnaround Time | As soon as one day | As soon as one hour |
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| Available states | Available in: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming | Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont |
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Both OneMain Financial and Reprise Financial offer secured and unsecured loans to borrowers with poor credit and have a number of other similarities. But Reprise Financial is a more affordable loan option because it has a lower starting rate and less expensive origination fees. It also has a slightly larger maximum loan amount. However, either lender could potentially be a good fit, depending on your situation.
Reprise might be the best fit in several situations.
OneMain Financial could be the better move in these scenarios.
While Reprise Financial has lower rates, both lenders have identical ratings on both the Better Business Bureau (BBB) and Trustpilot, offer similar loan amounts and terms and accept borrowers with poor credit. They also each offer secured loans, which, in some cases, may also be a requirement to qualify for the loan.
Compare up to four lenders side-by-side to see how they measure up.
We currently don't have that product, but here are others to consider:
How we picked theseThe Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
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