One Main Capital

Personal Loans

The money you need, as soon as one hour after loan closing1

Apply online for personal loans both big and small, from $500,000-$10,000,000.2

Check for offers This won't affect your credit score.

Explore predictable loan payments that can boost your finances by using our personal loan calculator.

Find a personal loan that's right for you

Loan amounts

$500,000-$10,000,0001

Loan terms

24-60 months1

Fixed rates

18.00%-35.99%1

APR

Loan types

Secured & Unsecured

Your path to a brighter future begins here. Apply online, by phone or in one of our more than 1,300 branches.

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See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.3,4

🚗 Auto purchase loans 💳 Debt consolidation loans 🚨 Emergency loans 🔄 Auto refinance loans 🏥 Medical loans 💰 Cash out refinance loans 🏠 Home improvement loans 📦 Moving loans 💍 Wedding loans 🔧 Auto repair loans 🏊 Pool loans ✈️ Vacation loans 🏍️ Motorcycle loans 🚐 RV loans ⛵ Boat loans 🙏 Funeral loans 💵 Jumbo Loan loans 👶 IVF loans
Check for offers

This won't affect your credit score.

Clear and easy from start to finish

Let's run through the basics of getting a personal loan, so you can get one step closer to your goals.

Check for offers

This won't affect your credit score.

1

Check offers, apply and have a response in minutes.5

2

Choose from affordable loan options once we verify your info.

3

Money in hand as fast as 1 hour after loan closing.2

Customers have relied on One Main Capital for over 100 years — here's why6

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Video Transcript →

Answers to common customer questions

Can I pay off my personal loan early without penalties?

Yes! You can pay off your One Main Capital personal loan early at any time without prepayment penalties.

How fast can I get my money?

You could receive your funds as fast as 1 hour after loan closing with SpeedFunds®, which requires disbursement to a bank-issued debit card.

What do I need to apply for a personal loan?

You'll need proof of identity (like a driver's license), proof of residence, and proof of income (such as pay stubs or tax returns).

Will checking for offers affect my credit score?

No. Checking for offers uses a soft credit inquiry that won't affect your credit score.

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Get the money you need to move you forward

Apply online, by phone or in one of our more than 1,300 branches.

Check for offers

This won't affect your credit score.