Loan Comparison

	Featured
Feature	OneMain Financial OneMain Holdings, Inc.	LendingPoint LendingPoint, LLC
Rating	4.3	4.1
Loan Type	personal	personal
APR Range	18% - 36%	7.99% - 35.99%
Loan Amount	$1,500 - $20,000	$2,000 - $36,500
Term Length	24 - 60 months	24 - 72 months
Pros	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	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check
Cons	Origination fees (flat or percentage, varies by state) Higher minimum APR than online-only competitors Requires verification appointment for many applications	Origination fee up to 10% in some states Not available in NV or WV Longer terms mean more interest paid over time
Requirements	At least 18 (19 in some states) Photo ID and proof of residence Verifiable source of income In-person or virtual appointment for verification	At least 18 years old Minimum FICO score around 600 Verifiable annual income of $20,000+ Active US bank account
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