12 Best Personal Loan Lenders — Ranked for Speed and Low Rates

11. Ranked Lender - OneMain Financial

OneMain Financial secures the ninth position through its extensive branch network, personalized service approach, and willingness to work with borrowers across the entire credit spectrum, including those with poor credit who may not qualify elsewhere. With APRs ranging from 18.00% to 35.99% and origination fees that vary by state and loan amount, OneMain focuses on providing access to credit for borrowers who may have been declined by other lenders, emphasizing personal relationships and flexible underwriting criteria. The lender's combination of online applications and local branch support provides borrowers with multiple ways to apply and manage their loans, with approval decisions often available the same day and funding typically completed within one to two business days. OneMain offers both secured and unsecured personal loans with amounts ranging from $1,500 to $20,000, providing options for borrowers with different collateral situations and credit profiles while maintaining manageable loan sizes. Their underwriting approach considers factors beyond credit scores, including income stability, employment history, and overall financial situation, enabling them to approve borrowers who might not qualify with automated underwriting systems. The company's long history in consumer lending, dating back over 100 years, provides stability and experience in working with diverse borrower needs and economic conditions. OneMain's branch network offers face-to-face service for borrowers who prefer personal interaction, while their online platform provides convenient account management and payment options for tech-savvy customers.