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7 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 with credit scores as low as 300. Its loans start at a low $1,500, which can be available as soon as the same day you apply. But you to visit a requires a branch, which aren't available in every state.

Its rates start at a high 18% APR, including an origination fee as high as . We reviewed over 130 personal loan providers to help you find a lender available online, in your state and at a lower cost.

Our 7 top picks for sites like OneMain Financial

  • Best for peer-to-peer loans:Peerform
  • Best for self-employed borrowers:Avant
  • Best for borrowers with a biweekly paycheck:LendingPoint

Upstart personal loans

4.15 / 5

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on Upstart Personal Loans's secure site

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 580 or 600, depending on where you live. It also charges a relatively high origination fee of up to 8%.

  • 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 8%
  • Not all states accept 580 credit scores
  • Limited to 36- or 60-month terms
Loan Amount$1,000 – $50,000
APR7.68% to 35.99%
Interest Rate TypeFixed
Min. Credit Score580 or 600 depending on state of residence
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term3 years

NetCredit personal loans

2.7 / 5

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on NetCredit's secure site

This online lender offers loans and lines of credit with one of the lowest minimum credit scores available. Unlike OneMain, there’s no origination fee or penalty for repaying your loan early. But it’s not available in every state and rates are high, even compared to OneMain. This makes it a better option for those who have struggled to qualify with OneMain.

  • Accept credit scores starting at 400
  • No origination fees
  • No prepayment penalty
  • Higher APRs than OneMain
  • Not available in every state
  • Mixed customer reviews
Loan Amount$1,000 – $10,500
APR34% to 155%
Interest Rate TypeFixed
Min. Credit ScoreNo minimum
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term0.5 years

LoansUnder36 personal loans

3.6 / 5

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on LoansUnder36's secure site

This online connection service specializes in helping borrowers with bad credit find a loan with a rate under 36% APR. You can compare multiple offers from its partners by filling out a quick online form. But like with other connection services, you might have to field calls and emails from its partners, even after you get your loan. Try a direct lender if you’re uncomfortable with widely sharing your contact information.

  • Accepts bad credit
  • Specializes in loans under 36% APR
  • Loans as low as 500
  • Doesn’t disclose requirements
  • Terms prevent you from suing your lender
  • Might get lots of phone calls
Loan Amount$500 – $35,000
APR5.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreAll credit types welcome
Maximum Loan Term6 years
Minimum Loan Term0.17 years

Monevo personal loans

4.4 / 5

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on Monevo's secure site

Monevo is an award-winning connection service that can help you find a personal loan as low as $500. Terms range widely from 3 to 144 months with options for all credit types. But since it’s not a direct lender, you have to agree to share your information with its partners when you sign up.

  • Loans as low as $500
  • Terms from 3 to 144 months
  • List of partners available online
  • Might receive calls from lenders
  • Long turnaround with some partners
Loan Amount$500 – $100,000
APR3.49% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreNone
Turnaround TimeVaries by lender
Maximum Loan Term12 years
Minimum Loan Term0.25 years

Peerform personal loans

3.2 / 5

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on Peerform's secure site

Peerform is a peer-to-peer platform that connects borrowers with funding from individuals investors. It has low credit requirements compared to other platforms, like LendingClub or Prosper. Where most lenders on this list cap out at 36%, rates don’t go any higher than 29.99% at Peerform. But loan amounts start at a high $4,000, and it can take days to receive your funds.

  • Maximum APR of 29.99%
  • No origination fees over 5%
  • Loans start at $4,000
  • Long turnaround compared to OneMain
Loan Amount$4,000 – $25,000
APR5.99% to 29.99%
Interest Rate TypeFixed
Min. Credit Score600
Maximum Loan Term5 years
Minimum Loan Term3 years

Avant personal loans

3.45 / 5

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on Avant's secure site

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 that have higher credit requirements.

  • Accepts self-employed applicants
  • Fair credit OK
  • Check rates without
  • Administrative fee of 4.75%
  • Recently settled FTC lawsuit
  • Not available in every state
Loan Amount$2,000 – $35,000
APR9.95% to 35.99%
Interest Rate TypeFixed
Min. Credit Score600
Turnaround TimeAs soon as the next business day
Maximum Loan Term5 years
Minimum Loan Term2 years

LendingPoint personal loans

3.3 / 5

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on LendingPoint's secure site

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 585. But it charges a relatively high origination fee of up to 6% compared to other providers. And you have to be at your current job for at least a year to qualify.

  • Repayments line up with biweekly paycheck
  • Accepts fair credit
  • Must be at current job for a year
  • Origination fee as high as 6%
Loan Amount$2,000 – $36,500
APR9.99% to 35.99%
Interest Rate TypeFixed
Min. Credit Score585
Turnaround TimeAs soon as 1 business day
Maximum Loan Term4 years
Minimum Loan Term2 years

Pros and cons of OneMain Financial

  • Accepts credit scores starting at 300
  • Loans as low as $1,500
  • Secured and unsecured options
  • High APRs of 18% to 35.99%
  • Origination fees as high as 10%
  • Application requires a branch visit in most cases

Compare our picks for the best bad credit loans available today for even more options.

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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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