OneMain Financial vs OppLoans

	Featured	Featured
Feature	OneMain Financial OneMain Holdings, Inc.	OppLoans OppFi Inc.
Rating	4.3	4.0
Loan Type	personal	installment
APR Range	11.99% - 35.99%	129% - 195%
Loan Amount	$1,500 - $30,000	$500 - $5,000
Term Length	24 - 60 months	9 - 18 months
Pros	Secured loan option available (lower rates with collateral) 1,300+ physical branches for in-person support Approves borrowers with credit scores in the 600s Same-day funding in many cases	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty
Cons	Origination fees (flat or percentage, varies by state) Higher minimum APR than online-only competitors Requires verification appointment for many applications	APRs still very high vs traditional personal loans Not offered in about a dozen states (check eligibility) Higher loan amounts come with longer commitments
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 US citizen or permanent resident Active checking account Verifiable income (recurring direct deposit preferred)
	Review	Review

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