OneMain is a consumer-instalment lender, not a prime bank. Compare the published {rateAbbr} and fees on the live card. The floor of a range is not the typical rate.
Cost
8.2
Flexibility
8.8
Transparency
8.6
Service
8.4
Maya Chen · Editor, consumer credit · Scores are editorial and do not affect list order, which is set on published price.
Our review
Suits:An unsecured or secured personal instalment from a specialist lender with a working apply link.
What stands out
Consumer instalment lender
Published range
Branch and digital
Compare OneMain on personal loans in United States. Sketch the loan calculator with the offer APR. Supervision: OCC, FDIC and the CFPB. Editorial review — not a promise of approval.
Pros
Direct lender — you contract with OneMain, not a panel.
Terms sit on the live card; we do not invent a typical APR.
Browsing Bankmatch does not pull a credit file.
Cons
Specialist consumer credit is usually priced above a prime unsecured bank loan.
A rate on the card is not an approval.
Questions about One Main Financial
Is this a bank?
It is a consumer-finance lender. FDIC deposit insurance protects eligible deposits with a bank or credit union, not a loan balance you owe.
Will I get the lowest APR shown?
The lowest figure in a range is for strong files. Most offers sit higher.
Products you can apply for
3 products in this market
Credit cards
One Main Financial
•••• •••• •••• 1234
OneMain BrightWay 1.5% Cashback Mastercard
OneMain BrightWay 1.5% Cashback Mastercard
8.54.3(1)
from One Main Financial
Lowest APR
1.5% cashback
Rewards
n/a
Annual fee
35.99%
Purchase rate
Consumer
Cashback
Ongoing cashback on eligible purchases. Offer-code and eligibility requirements apply.
Annual fee up to USD 89, depending on the offer.
APR
35.99%
Available to selected customers; an offer code may be required. Issued by WebBank. Purchase, cash advance and balance transfer APR 35.99%. BrightWay+ has no annual fee; other BrightWay annual fees up to USD 89. Cash advance/transfer fee: greater of USD 10 or 3%. FX fee 1%; late fee up to USD 40; minimum interest USD 0.50. See your individual offer.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Ongoing cashback on eligible purchases. Offer-code and eligibility requirements apply.
Unlimited 1% cash back on purchases (1.5% on BrightWay 1.5% Cashback)
Annual fee $0–$89 depending on the offer; BrightWay+ is $0
Reports to the three major credit bureaus
Milestone path to a credit-limit increase or APR decrease after six on-time payments
APR
35.99%
Credit limit
$30,000
BrightWay cards are issued by WebBank. Standard BrightWay publishes unlimited 1% cash back; BrightWay 1.5% Cashback publishes 1.5%. Annual fee is $0–$89 by offer; BrightWay+ has no annual fee. Purchase APR 33.99% or 35.99%. Source: onemainfinancial.com/credit-cards and BrightWay Rewards Terms, 2026-08-27.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
One Main Financial: Available to selected customers; an offer code may be required. Issued by WebBank. Purchase, cash advance and balance transfer APR 35.99%. BrightWay+ has no annual fee; other BrightWay annual fees up to USD 89. Cash advance/transfer fee: greater of USD 10 or 3%. FX fee 1%; late fee up to USD 40; minimum interest USD 0.50. See your individual offer.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
One Main Financial: BrightWay cards are issued by WebBank. Standard BrightWay publishes unlimited 1% cash back; BrightWay 1.5% Cashback publishes 1.5%. Annual fee is $0–$89 by offer; BrightWay+ has no annual fee. Purchase APR 33.99% or 35.99%. Source: onemainfinancial.com/credit-cards and BrightWay Rewards Terms, 2026-08-27.
One Main Financial: Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
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