One Main Financial Personal Loan Review

“One Main Financial Personal Loan Review” is a topic that focuses on providing an assessment and evaluation of personal loans offered by One Main Financial. It serves as a valuable resource for individuals seeking information about the loan products and services provided by this particular financial institution.

One Main Financial is a lender that provides personal loans to individuals who are in need of quick cash for various reasons. In this review, we will be discussing the pros and cons of obtaining a personal loan from One Main Financial.

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One of the biggest advantages of getting a personal loan from One Main Financial is the fact that they cater to individuals who have poor or fair credit scores. This is because they don’t have strict credit score requirements, so people who have had financial struggles in the past can still be eligible for a loan.

Another advantage is the flexibility that they offer in terms of loan amount and repayment terms. They offer loans from $1,500 up to $20,000 with repayment terms that range from 24 to 60 months. This allows individuals to customize their loan according to their specific financial situation.


One of the main disadvantages of getting a personal loan from One Main Financial is the high interest rates that they charge. This is because they cater to individuals with lower credit scores, which they view as higher risk borrowers. The interest rates can range from 18% up to 35.99%, depending on the individual’s creditworthiness.

Another disadvantage is the fact that they charge origination fees on their loans. The origination fees can range from 1% to 10% of the loan amount, which can add a significant amount to the overall cost of the loan.


Overall, getting a personal loan from One Main Financial can be a good option for individuals who have poor or fair credit scores and need quick access to cash. However, the high interest rates and origination fees should be taken into consideration before making a decision. It’s important to shop around and compare rates and terms from different lenders to ensure that you are getting the best deal for your specific financial situation.

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