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OneMain Financial personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 30.0%

• APR11.99%–35.99% onemainfinancial.com, 2026-10-12
• Origination feenot found onemainfinancial.com, 2026-10-12
• Terms24 months–60 months onemainfinancial.com, 2026-10-12
• Loan amounts$1,500–$30,000 onemainfinancial.com, 2026-10-12
• Minimum credit scorenot published (not found) onemainfinancial.com, 2026-10-12

Note: APRs include origination fees (amount varies by state; not found)

Complaint record (CFPB)

• Complaints, last 12 months3,848
• Trend▲ 22.7% (last 12 mo 3,848 vs prior 12 mo 3,135)
• Timely response (last 36 mo)100.0%
• Top issueImproper use of your report
• Insurance statusNot an FDIC/NCUA-insured institution itself

Company-level (OneMain Finance Corporation, ONEMAIN FINANCIAL HOLDINGS, LLC., ONEMAIN FINANCE CORPORATION), all products, as of 2026-10-12. OneMain Financial complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 4.0/10Lowest APR 11.99%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 0.0/10Max APR 35.99%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 2.0/10not found — unknown, scored 2.0/10 (lower of neutral 5 and comparison median)
• Term range 6.0/10Terms 24–60 months. Score = span/6 months, max 10.
• Max loan amount 3.0/10Up to $30,000. Score = max/$10k, max 10.

0.200×4.0 + 0.200×0.0 + 0.200×2.0* + 0.200×6.0 + 0.200×3.0 = 3.00 → 30.0% (* unknown, imputed)

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FAQ

What APR does OneMain Financial charge?

11.99%–35.99% onemainfinancial.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.