OneMain Financial personal loans: APR, fees and requirements
What OneMain Financial publishes about its personal loans (11.99% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Online lender |
|---|---|
| APR range | 11.99% to 35.99% |
| Loan amounts | $1,500 to $30,000 |
| Repayment terms | 24 to 60 months |
| Origination fee | Varies; check the lender's rates and terms |
| Minimum credit score | Not published |
| Funding time | Within 1 hour of loan closing via SpeedFunds (requires disbursement to a bank-issued debit card); about 1-2 business days by check or ACH |
| Availability | State minimums: Alabama $2,100; California $3,000; Georgia $3,100; North Dakota $2,000; Ohio $2,000; Virginia $2,600. State maximums: North Carolina $11,000 (unsecured, and secured for present customers); Maine $7,000; West Virginia $13,500. Larger loan amounts require a first lien on a motor vehicle no more than ten years old. |
How the lender states its rates: “Fixed rates ranging from 11.99% to 35.99% APR”
How the starting rate compares
The lowest advertised APR, 11.99%, ranks 30 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
Achieve
Online lender
- APR
- 6.25% to 35.99%
- Loan amounts
- $5,000 to $50,000
- Origination fee
- 1.99% to 9.99%
Avant
Online lender
- APR
- 9.95% to 35.99%
- Loan amounts
- $2,000 to $35,000
- Origination fee
- Varies
Best Egg
Online lender
- APR
- 6.99% to 35.99%
- Loan amounts
- $2,000 to $50,000
- Origination fee
- 0.99%-9.99%
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. onemainfinancial.com/personal-loans · onemainfinancial.com/legal/loan-fees