OneMain Financial is the nation's largest personal installment lender, serving over 18 million customers since 2006 across more than 1,300 branches in 47 states. Founded in 1912, the company provides personal and auto loans ranging from $1,500 to $20,000 with fixed rates and clear terms, alongside the BrightWay® credit card designed to reward customers building positive payment history. The company targets nonprime customers with transparent pricing and fast funding - money can be available as soon as one hour after loan closing.
OneMain's approach emphasises responsible lending and customer protection. It operates under a comprehensive Customer Bill of Rights and offers a seven-day satisfaction guarantee allowing customers to cancel loans without penalty. The company maintains a 90% customer satisfaction rate and provides complementary financial services including monthly credit score updates, financial education resources, and personalised budgeting assistance.
The company's mission centres on helping working Americans access affordable credit and improve their financial prospects. It maintains partnerships with local and national organisations focused on economic mobility and community impact, reflecting a commitment to responsible lending practices alongside traditional consumer finance operations.