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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.

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Anna Serio
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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.

Its rates start at a high 18% APR, including an origination fee as high as 10%. 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 companies similar to OneMain Financial

Alternative for a limited credit history

Upstart personal loans


4.15 / 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 10%.

  • Not available in: West Virginia
Pros
  • Uses alternative data to help you get a lower rate
  • Loans start at $1,000
  • Most loans funded in one day
Cons
  • Origination fee as high as 10%
  • Not all states accept 300 credit scores
  • Limited to 36- or 60-month terms
Loan Amount$1,000 to $50,000
APR5.6% to 35.99%
Interest Rate TypeFixed
Min. Credit Score300
Turnaround Time1 to 3 business days
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 penalties fees for paying off the loan early, but there is an origination fee between 2.9% to 8%, and APRs (factoring in the origination fee) that range from 7.46% to 35.97%. Loan amounts can be between $1,000 and $50,000

  • Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia
Pros
  • Online application
  • Quick approval process
  • No early payoff fees
  • Coapplicants accepted
  • Bitcoin reward program
  • Credit line products as well
Cons
  • Origination fee can reach 8%
  • APR can be as high as 35.97%
  • High DTI ratio requirement
Loan Amount$1,000 to $50,000
APR7.46% to 35.97%
Interest Rate TypeFixed
Min. Credit Score600
Turnaround Time1 to 4 business days
Maximum Loan Term7 years
Minimum Loan Term2 years

Alternative for self-employed borrowers

Avant personal loans


3.45 / 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 that have higher credit requirements.

  • Not available in: Colorado, Hawaii, Iowa, Nevada, New York, Vermont, West Virginia
Pros
  • Accepts self-employed applicants
  • Fair credit OK
  • Check rates without
Cons
  • Administrative fee of 4.75%
  • 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 Term5 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 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.

  • Not available in: Colorado, Connecticut, Idaho, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, Vermont, West Virginia, Wisconsin, Wyoming
Pros
  • Repayments line up with biweekly paycheck
  • Accepts fair credit
Cons
  • Must be at current job for a year
  • Origination fee as high as 6%
Loan Amount$2,000 to $36,500
APR7.99% to 35.99%
Interest Rate TypeFixed
Min. Credit Score585
Turnaround TimeAs soon as 1 business day
Maximum Loan Term5 years
Minimum Loan Term2 years

Alternative for bad credit

CashNetUSA Loan

3.6 / 5
★★★★★

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An online lender, CashNetUSA offers payday loans with same-day funding. Loan amounts start at $500 and reach up to $3,000. However, loan terms, amounts and lending options vary by state. Expect to need a credit rating of at least 500 to 640, depending on your state and loan amount. CashNetUSA shines with lending decisions made almost immediately after submitting your application. Watch out for high APRs, but there’s no origination fee unlike OneMain Financial.

  • Available in: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
  • Online lender
  • One-day turnaround time
  • No origination fee
  • Amounts between $500 and $3,000
Cons
  • High APRs
  • Terms and rates vary by state
  • APRs vary by state
Loan amount$500 – $3,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Alternative for borrowers with high DTI ratios

Prosper personal loans


3.42 / 5
★★★★★

Read Review

Prosper offers lower rates than OneMain Financial if you've got good credit (above 640). For borrowers with lots of debt and/or 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 2.4% to 5%.

  • Not available in: Iowa, North Dakota, West Virginia
Pros
  • Offers loans up to $40,000
  • Competitive interest starting at 7.95%
  • Accepts debt-to-income ratio of 50%
Cons
  • Long turnaround of at least four days
  • Origination fee between 2.4% to 5%
  • Requires credit score of 640+
Loan Amount$2,000 to $40,000
APR7.95% to 35.99%
Interest Rate TypeFixed
Min. Credit Score640
Turnaround TimeUp to five business days
Maximum Loan Term5 years
Minimum Loan Term3 years

Alternative for debt consolidation

Discover personal loans


4 / 5
★★★★★

Read Review

While you may need a decent credit score to qualify, Discover’s debt consolidation loans can be a great option. Its debt consolidation loans start at a low 5.99% rate, and come with no origination fees — whereas OneMain Financial has an origination fee up to 10%. Discover also offers a 30-day loan return policy, and loan amounts range from $2,500 to $35,000 and terms from 36 to 84 months. However, watch out for the high late fees of $39 with no grace period.

  • Available in all states
Pros
  • Competitive rates
  • High max loan amount
  • No origination fee
  • 30-day return policy
Cons
  • Steep late fee
  • Mixed customer reviews
  • No joint applicants
Loan Amount$2,500 to $35,000
APR5.99% to 24.99%
Interest Rate TypeFixed
Min. Credit ScoreGood to excellent credit
Turnaround Time1 to 7 days
Maximum Loan Term7 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. If you have good credit, it's likely to can find a more affordable lender.

  • 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

  1. 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

    Reply
    • 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.

      Cheers,
      Danielle

      Reply
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