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Compare sites like OneMain Financial

In business for over a century, OneMain Financial provides secured and unsecured loans for a variety of purposes.


Fact checked


  • Offers both secured and unsecured loans.
  • Low minimum loan amount.
  • Same-day funding available.
  • Considers all credit types.
  • No prepayment penalty.


  • High starting APR compared to other lenders.
  • Origination fees vary by state.
  • Low maximum loan amount of $20,000.
  • Not available in AK, AR, CT, MA, RI, VT or DC.

Looking for lenders with lower interest rates?

Alternative sites like NetCredit

Prosper logo

1. Prosper

A peer-to-peer lender, Prosper could get you up to $40,000 to consolidate your debt, start a business, improve your home and more.


  • Low starting APRs.
  • Quick turnaround time.
  • Loans starting at $2,000.
  • No prepayment penalty.


  • Loans capped at $40,000.
  • Origination fee of 2.41% to 5%.
  • 640 credit score required.
  • Not available in IA, ND or WV.
Get your rate

2. Monevo

Unlike OneMain Financial, Monevo isn’t a direct lender. It’s an award-winning connection service that allows you to quickly compare direct lenders offering personal loans with competitive rates.


  • Lower starting APR than OneMain.
  • Wider range of loan amounts from $500 to $100,000.
  • Open to all credit types.
  • Available in all 50 states.


  • No guaranteed approval with a direct lender.
  • May come with an origination fee.
  • Must use online contact form for questions, no customer service phone number.
Get your rate

lendingclub logo

3. LendingClub

Apply for an unsecured personal loan of up to $40,000 with LendingClub.


  • Lower starting APR than OneMain.
  • Loans start at $1,000.
  • Fast and simple application.
  • No prepayment penalty.


  • Origination fee of 1% to 6%.
  • Higher rates for poor credit borrowers.
  • Unavailable to Iowa and West Virginia residents.
Get your rate

Upstart logo

4. Upstart

This newer online lender considers things like your education and career path when considering you for its unsecured, fixed-rate loans.


  • Lower starting APR than Prosper.
  • Loans from $1,000 to $50,000
  • Good for younger borrowers with limited credit history.
  • Pay no fees for early repayment.


  • High origination fees of up to 8%.
  • Good or excellent credit required.
  • Additional fees for paper copy requests and late payments and more.
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sofi logo

5. SoFi

If you have a good to excellent credit score, SoFi can get you fast funding with low interest rates and no fees.


  • High maximum loan amount of $100,000.
  • Maximum APR lower than OneMain’s minimum rate.
  • Free credit counseling and unemployment protection.
  • No fees.


  • Strict eligibility requirements.
  • Loans start at $5,000.
  • Not available in Mississippi.
Get your rate

NetCredit personal loans logo

6. NetCredit

NetCredit offers unsecured personal loans that could help you rebuild your credit, even if you have a low credit score.


  • Quick turnaround time with flexible repayments.
  • Fair credit OK.
  • Loans start at $1,000
  • No early repayment fees.


  • High APRs.
  • Low maximum loan amount of $10,500.
  • Loans available in 14 states only.
  • Short terms.
Get your rate

Avant personal loan logo

7. Avant

Avant offers personal loans with funds deposited into your account as soon as the business day after approval. Learn about similar online lenders.


  • Quick approval and funding.
  • Lower starting APR than OneMain.
  • Pay no fee for early repayment.
  • Available to most credit types.


  • Maximum loan amount varies by state.
  • May not available in CO, IA, VT or WVA.
  • Potentially high origination fees if approved, depending on your state.
Get your rate

See how other top providers compare to different lenders by checking out A-to-Z directory.

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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

    • 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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