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6 sites like OneMain Financial

Compare lenders with lower rates than this not-entirely-online lender offers — even with bad credit.

OneMain Financial offers secured and unsecured loans to borrowers and carries no strict credit score requirement. Its loans start at a low $1,500, which can be available as soon as the same day you apply. It also has high rates starting at a high 18%, including an origination fee as high as 10%.

It has locations in 44 states and offers online applications — but to fully apply, you may need to visit a brick and mortar. If there’s not a OneMain Financial location near you, or you’re in search of a lender offering lower costs for various lending situations, we’ve gathered a list of top-pick alternatives.

Our 6 top picks for companies similar to OneMain Financial

Alternative for a limited credit history

Upstart personal loans

4.2 / 5 ★★★★★

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Upstart looks at factors like your career and level of education to help borrowers with fair credit qualify for a better rate than they might find elsewhere. This makes it a good choice if you have fewer than three years of credit history. But that credit history shouldn’t have minimal negative marks — you still need a credit score of 300 or 600, depending on where you live. It also charges a relatively high origination fee of up to 12%.
  • Not available in: Iowa, West Virginia
  • Uses alternative data to help you get a lower rate
  • Loans start at $1,000
  • Most loans funded in one day
  • Origination fee as high as 12%
  • Not all states accept 300 credit scores
  • Limited to 36- or 60-month terms
Loan amount$1,000 to $50,000
APR7.80% to 35.99%
Interest Rate TypeFixed
Min. credit score300
Turnaround TimeAs soon as 24 hours
Maximum Loan Term5 years
Minimum Loan Term3 years

Alternative for quick turnaround

Upgrade personal loans

4 / 5 ★★★★★

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Upgrade is known for its quick turnaround and fast application process. The application can be done online, and in some cases, you could get a loan approval and the funds within one day. There are no penalty fees for paying off the loan early, but there is an origination fee between 1.85% to 9.99%, and APRs (factoring in the origination fee) that range from 8.49% to 35.99%. Loan amounts can be between $1,000 and $50,000
  • Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia

Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at

  • Online application
  • Quick approval process
  • No early payoff fees
  • Coapplicants accepted
  • Bitcoin reward program
  • Credit line products as well
  • Origination fee can reach 9.99%
  • APR can be as high as 35.99%
  • High DTI ratio requirement
Loan amount$1,000 to $50,000
APR8.49% to 35.99%
Interest Rate TypeFixed
Min. credit score620
Turnaround Time1 to 4 business days
Maximum Loan Term7 years
Minimum Loan Term2 years

Alternative for self-employed borrowers

Avant personal loans

3.4 / 5 ★★★★★

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Avant is one of the few lenders that makes it easy to apply if you work for yourself — most providers want to see your most recent pay stub. It also accepts credit scores as low as 580 and allows you to check your rates without impacting your credit. But while its rates start lower than what you’ll find at OneMain, they’re still higher than you’ll find with lenders with higher credit requirements.
  • Not available in: Colorado, Hawaii, Iowa, Nevada, New York, Vermont, West Virginia
Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.
  • Accepts self-employed applicants
  • Fair credit OK
  • Check rates without
  • Administrative fee of 9.99%
  • Recently settled FTC lawsuit
  • Not available in every state
Loan amount$2,000 to $35,000
APR9.95% to 35.99%
Interest Rate TypeFixed
Min. credit score580
Turnaround TimeAs soon as the next business day
Maximum Loan Term4 years
Minimum Loan Term1 year

Alternative for borrowers with a biweekly paycheck

LendingPoint personal loans

3.3 / 5 ★★★★★

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LendingPoint charges repayments every 28 days, rather than every month. This makes it easier to line up your repayments with your paycheck if you get paid every two weeks. It also accepts credit scores as low as 620. But it charges a relatively high origination fee of up to 8% compared to other providers. And you have to be at your current job for at least a year to qualify.
  • Not available in: Colorado, Connecticut, Idaho, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, Vermont, West Virginia, Wisconsin, Wyoming
  • Repayments line up with biweekly paycheck
  • Accepts fair credit
  • Must be at current job for a year
  • Origination fee as high as 8%
Loan amount$2,000 to $36,500
APR7.99% to 35.99%
Interest Rate TypeFixed
Min. credit score620
Turnaround TimeAs soon as 1 business day
Maximum Loan Term5 years
Minimum Loan Term2 years

Alternative for bad credit

Integra Credit installment loans

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Integra Credit is an online lender that specializes in bad credit financing. It offers small-dollar installment loans from $500 to $3,000 with short terms from 6 to 24 months. Unfortunately, like most bad credit options, it's much more expensive than OneMain Financial, with rates starting at 99% and going as high as 299%. There's no prepayment penalty, and the shorter terms mean that the total cost of the loan may be comparable to borrowing from OneMain Financial. But it will have a higher monthly cost, which can make a noticeable difference in your budget. It also isn't available in all states — check to make sure you're eligible before you apply.
  • Only available in: Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah, Wisconsin
  • Online lender
  • Accepts bad credit
  • No prepayment penalties
  • High APRs
  • High monthly cost
  • No loans over $3,000
Loan amount$500 - $3,000
Interest rate typeFixed
Loan Term6 months to 2 years

Alternative for borrowers with high DTI ratios

Prosper personal loans

3.4 / 5 ★★★★★

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Prosper offers lower rates than OneMain Financial if you've got good credit (above 640). For borrowers with lots of debt or a high debt-to-income (DTI) ratio, Prosper can allow for a DTI as high as 50%. You can use the loan to consolidate your debt, start a business, improve your home and more. However, there's a chance you could be stuck with an origination fee between 1% to 7.99%.
  • Not available in: Iowa, North Dakota, West Virginia
  • Offers loans up to $50,000
  • Competitive interest starting at 8.99%
  • Accepts debt-to-income ratio of 50%
  • Long turnaround of at least four days
  • Origination fee between 1% to 7.99%
  • Requires credit score of 640+
Loan amount$2,000 to $50,000
APR8.99% to 35.99%
Interest Rate TypeFixed
Min. credit score640
Turnaround TimeAs soon as 1 business day
Maximum Loan Term5 years
Minimum Loan Term3 years

How does OneMain Financial compare?

OneMain Financial is more flexible with credit histories and credit scores than other personal lenders and, as such, is known as one of the only providers that can work with bad credit borrowers.

If you qualify, there are secured and unsecured lending options, but the origination fee is pretty high. But it’s less expensive than other bad credit options and could spell savings if you use it to consolidate high-interest debt. If you have good credit, it’s likely to can find a more affordable lender.

Read our review to learn more about how OneMain works. Or compare our picks for the best bad credit loans available today for even more options.

Compare other personal loans

Name Product Filter Values APR Min. credit score Loan amount
Upstart personal loans
Finder Score: 4.2 / 5: ★★★★★
Upstart personal loans
7.80% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
SoFi personal loans
Finder Score: 4.4 / 5: ★★★★★
SoFi personal loans
8.99% to 29.99%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no required fees.
Best Egg personal loans
Finder Score: 3.8 / 5: ★★★★★
Best Egg personal loans
8.99% to 35.99%
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Finder Score: 4 / 5: ★★★★★
8.49% to 35.99%
$1,000 to $50,000
Check your rates with this online lender without impacting your credit score.
LendingPoint personal loans
Finder Score: 3.3 / 5: ★★★★★
LendingPoint personal loans
7.99% to 35.99%
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
Happy Money
Finder Score: 3.8 / 5: ★★★★★
Happy Money
11.72% to 24.50%
$5,000 to $40,000
Pay down your debt with a fixed APR and predictable monthly payments.

Written by

Anna Serio

Anna Serio was a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY. See full profile

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2 Responses

    Default Gravatar
    jaimeOctober 25, 2017

    Currently have a loan with one main finacial owe $ 7000 have a vehicle as partial collateral, need more money around $3500 who can help me or refinance

      Default Gravatar
      DanielleOctober 25, 2017

      Hi Jaime,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to the list of options to see which may suit your needs. You may review and compare the offers available and once you have selected one, you may proceed by clicking the green “Go to Site” button.

      I hope this helps.


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