OneMain offers secured and unsecured loans for a fixed-rate. The largest loan you can apply for online is $9,999, although larger loans can be made in-person at the branch. If you secure your loan with collateral, such as your car, you can receive lower rates. Keep in mind that using your car as security places it at risk. If you default on your loan, you can lose your car. Your interest rate is based on your income, credit score, and payment history. Be sure that you understand the terms of the loan, including the size of your monthly payments and how many payments you'll need to make. OneMain offers a 14 day window to cancel your transaction.
OneMain was formerly CitiFinancial. OneMain offers unsecured and secured loans. Loans are available for debt consolidation, home improvement, and to cover unforeseen expenses or emergencies. OneMain has 1,300 branch locations nationwide. States they do not work in are Alaska, Arkansas, Connecticut, Massachusetts, Nevada, Rhode Island,and Vermont, as well as Washington D.C.
Fixed rates. No pre-payment penalty. 14-day window to cancel at no risk.
Loan rates can be high. Not able to get a rate quote until in the branch location.
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