OneMain

OneMain Financial, formerly known as CitiFinancial, was founded in 1912. In 2015 they combined with Springleaf Financial and rebranded as OneMain Financial.

OneMainFinancial is one of the leading providers in personal loans and have funded over $120 billion to more than 10 million consumers.

To apply, you can contact one of the OneMain branches in 44 states in person, online, or by phone. If you apply online, the form is sent to a OneMain branch in your location and a loan specialist will get in touch with you to discuss your options.

To qualify, you must be a US citizen or permanent resident. OneMain looks at your credit score by performing a soft credit pull, which does not affect your credit score. Those with good credit scores are eligible for the lowest rates and best terms. You must provide proof of your identification and income, recent bank statements, recent pay stubs, W-2, tax returns (two years for those who are self-employed), and a utility bill.

If you are pre-approved for a loan, a loan specialist contacts you and discusses your options with you by setting up an appointment at a branch. OneMain offers unsecured personal loans which allow you to have fixed rates and secured loans which require you to put up collateral. A little less than half of OneMain’s clients use secured loans, which allow you to have a lower interest rates and better terms. When you accept the terms, these loans are available anywhere from the same day to the next business day.

OneMain has flexible payment options, allowing you to pay online, over the phone, or at any of their branches. You can also choose your own due date for payments.

An added benefit for OneMain borrowers is that they have free access to their credit scores.

OneMain Financial has branches in 44/50 states: Alaska, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, West Virginia, and Wyoming.