Loan Comparison

		Featured
Feature	LendingPoint LendingPoint, LLC	OneMain Financial OneMain Holdings, Inc.
Rating	4.1	4.3
Loan Type	personal	personal
APR Range	7.99% - 35.99%	11.99% - 35.99%
Loan Amount	$1,000 - $36,500	$1,500 - $30,000
Term Length	24 - 72 months	24 - 60 months
Pros	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check	Secured loan option available (lower rates with collateral) 1,400+ physical branches for in-person support Approves borrowers with credit scores in the 600s Same-day funding in many cases
Cons	Origination fee up to 10% deducted from loan proceeds Not available in 9 states and DC Longer terms mean more interest paid over time	Origination fees (flat or percentage, varies by state) Higher minimum APR than online-only competitors Requires verification appointment for many applications
Requirements	At least 18 years old Credit score typically 640 or higher (no published hard minimum) Verifiable annual income of $35,000+ Active US bank account	At least 18 (19 in some states) Photo ID and proof of residence Verifiable source of income In-person or virtual appointment for verification
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