![]() ![]() an established financial services firm with a history dating back to 1912 - and it provides secured and unsecured personal loans in addition to two types of consumer credit cards.Ĭustomer reviews of OneMain Financial are mixed. It also will provide you with fast access to funds.Founded in 2010, OneMain Financial is the consumer finance arm of OneMain Holdings, Inc. Upstart may be a good fir if you need a small loan size or have low credit, then Upstart is a good fit. You also cannot get a joint loan, while the mobile app will not allow you to manage your personal loan. However, there is an origination fee in place when it comes to an Upstart personal loan, which can be as much as 8% of the loan. Finally, you have access to flexible repayments. It also has a fast application process and plans to credit funds to borrowers within a single business day. It also deals with people who might not have much of credit history, even considering applications from people who do not yet have a credit score. Upstart offers a very low minimum loan size, starting at just $1,000. It even deals with people who have no credit history as a result of this AI system. Upstart brings a different approach to the table, as it utilizes artificial intelligence in order to assess the applications it receives for personal loans. It also provides a great range of repayment options. OneMain Financial may be a good fit if you are looking to have the ability to manage your loan through a mobile app and be able to get your hands on secured loans. In certain states, this can be a fixed charge, while in other states the origination fee can be between 1% and 10% of the loan. However, OneMain does not currently offer any form of autopay discounts and it has an origination fee in place. These branches are found across 44 states. ![]() It usually provides funds to borrowers within a day or two, while you have the option to visit a physical branch if you have any issues. OneMain is one of the few online lenders that will provide both secured and unsecured loan options, as well as joint loans. It is often well-suited to those people who might be struggling to get a personal loan from a traditional bank due to their lower credit scores. OneMain Financial is a provider of personal loans both in an online and offline setting, as it has more than 1,500 physical branches. All products are presented without warranty. Learn more about how we review products and read our advertiser disclosure for how we make money. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. This website does not include all card companies or all card offers available in the marketplace. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The product offers that appear on this site are from companies from which this website receives compensation. This website is an independent, advertising-supported comparison service. ![]()
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