Our mission is to improve the financial well-being of hardworking Americans.
OneMain Financial is the leader in offering nonprime customers responsible access to credit. We are committed to being the partner of choice and empowering our customers to reach a better financial future. Our team helps customers meet critical financial needs, including debt consolidation, home and auto repair, medical procedures, and other major expenses.
We set our customers up for success.
Our loan specialists work with our customers to develop a monthly budget. This empowers our customers to choose the best borrowing options for their individual situation, as well as helps ensure they can repay their loan successfully. We also report to major credit bureaus to help our customers build their credit.
Customer Bill of Rights
We are committed to serving our customers and protecting their rights.
Your loan will have an affordable monthly payment that fits your unique situation and household budget.
We will help you understand every aspect of your loan before you sign, including terms, pricing and interest rate, monthly payment, and total cost.
You can choose to buy optional products such as insurance to help you through unexpected events. Your choices will be made in a pressure-free environment and have no bearing on your loan approval. You may cancel any of your optional products at any time for a full refund of the unused products before 60 days or a partial refund after 60 days, no questions asked.
We will try our best to answer any questions and resolve any concerns. Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within seven calendar days and cancel their loan.
Life brings unexpected events and challenges, and we will work with you on repayment options if your situation changes.
Learn how we prioritize our customers, communities and team members in our Impact Reports.
Download 2023 Report
We provide critical access to safe and affordable credit options to meet customer needs.
Access to responsible credit is increasingly vital — almost 40% of American adults wouldn’t be able to cover a $400 emergency with cash, savings or a credit-card charge that they could quickly pay off, a Federal Reserve survey finds. When a financial emergency strikes or a need arises, most people have to borrow. However, most of the 100 million Americans with nonprime credit scores aren’t candidates for a loan from a traditional bank or credit union. At OneMain Financial, we provide access to responsible loans that are designed to be successfully repaid so that Americans don’t have to take on a high-cost loan that can lead to a cycle of debt. We always provide safe and trusted financial products and we adhere to state and federal regulations—including the Truth in Lending Act.
We take pride in helping our customers build successful financial futures.
Our customers turn to OneMain for many reasons, including the opportunity to strengthen their financial health, build or repair their credit history or cover an unexpected, emergency expense.
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I was not looked at as a credit score.
I was looked at as a person.
Commitment to Diversity and Inclusion
At OneMain, we value and strive for diversity of gender, race, ethnicity, expertise and thinking. We are committed to building and maintaining an inclusive environment for our team members and customers. To reflect our increased emphasis on diversity and inclusion across the company, we expanded our Diversity Council, which helps set priorities and measures success. And, diversity doesn’t stop inside our walls, we engage and track diversity among our suppliers as well.
We give back to the communities where we live and work.
We strongly believe in breaking down the barriers to economic mobility, and we partner with and support local and national organizations that share these values too. We award grants, engage with community leaders and provide volunteer opportunities for our team members.
Financial Tools and Resources
Explore financial education resources and learn more about our community involvement.