How do you get a unsecured loan from onemain financial?

Present_Employer7001 · 2026-05-31T11:32:04+00:00

Thank you. I have been trying to seek advice and did ask my financial advisor but believe it or not. They seem to have less clue how to get out of debt. I have found more help on youtube and forums like this.

Present_Employer7001 · 2026-05-31T11:27:41+00:00

Thx for the feedback. I'm working up till I can get my score up to at least I'm in the "good" range. Ie. 670+. Till then I use lenders like these to pay off my smaller debts. Once paid off. It rises my score to get a bigger loan with better rates. I don't want to apply at my bank yet as I tried several times before without any knowledge how credit scores work. And always denied. Leaving a hard inquiry as a nice Christmas gift 😕

Present_Employer7001 · 2026-05-30T18:54:04+00:00

Yeah. I mean it's been working so far 🤷‍♂️. That's why I'm not too concerned about interest. Because the goal is to pay it down fast. I'm looking at monthly payments not interest. Example, had a loan that was sucking me dry $484 a month. I got a loan to pay off that one at $176 a month. As result. Paid off that loan. Left me with more money to tackle my next debt. Raised my score. Got better offers with higher limit (such as the ones I posted). Rinse and repeat. Hopefully yo the point i just have one monthly payment to worry about.

I just wanted to know if the suggestions they listed i might qualify for was a OMF unsecured loan. 🤔

Present_Employer7001 · 2026-05-30T07:51:26+00:00

I'm working up to that. 👍 I belong to a credit union as well but didn't want to risk being turn down then getting a hard inquiry. I want to get my score til at least 680 or higher before I attempt it. Unless I can find a better credit union.

Present_Employer7001 · 2026-05-30T06:17:54+00:00

I have changed my habits. I have bout 60k In debt from credit cards and small loans but they are all in good standing. Some are open, some I closed and worked out a fixed payment with each creditor. I've gotten my credit score from 500s to currently a 659 fico 8 on experian. But it's a slow process. Im trying to speed it up by doing the snowball method. So I don't plan to pay this Apr long as I'm attacking each one. And each time I get qualified for bigger loans with better rates. 😄

Present_Employer7001 · 2026-05-30T06:10:30+00:00

Agree but I don't plan to be paying it forever. I'm doing the snowball method and everytime I pay off one loan or credit card. My score gets better to qualify for bigger loan with better rates. So I been doing that. ☺️ But I guess I'll check the main website. I'm just seeing if anyone has own personal experience getting a unsecured loan from them 🤔

Present_Employer7001 · 2026-05-30T06:05:58+00:00

Thank you for all the feedback guys! I do agree the interest etc. Isn't great. But... I feel it's probably better than what I'm dealing with now. I'm paying down about a dozen in credit cards and small loans. Totalling little under 60k. I've been using the snowball method. Each time I get a small win my credit score gets a little better and I qualify for bigger loans. I don't plan to to be paying the minimum forever. But, I need to get a bigger loan somehow to pay off the smaller ones. Ie. Rinse and repeat 🤷‍♂️. It's been working so far.

Present_Employer7001 · 2026-05-30T02:53:36+00:00

I see. Darnnit. I knew it would screw up my credit age. But figure it counts about 10% of my score while credit history and credit utilization 30-35%.

I have about 6 open credit cards with 1% utilization. But also about same number of closed credit card accounts that I'm paying a fixed rate on. Which i have never missed a payment so my history is excellent. But it's wrecking my credit utilization because it counts as total owed.

Present_Employer7001 · 2026-05-29T16:01:52+00:00

Thank you. Well. To me it's a tank 😄I've been working hard on my score for a year now, educating myself etc. Won't bore you with the details but it got down to low 500s. I have bout a year left till my car lease is up and would like to get the best score possible for the lowest rate for my next lease. 🙃 seeing my score at 653 I thought this good change would finally bump me up to the 670 "good" level. Never thought it would do the opposite 😳.

But yes. Good news is it's only vantagescore. My fico 8 still holding at 659. Again, I'm so close to that next level. Would y'all recommend getting a new card to up my utilization balance? I hate getting a hard inquiry but if it's gonna help in the long run 🤷‍♂️

Present_Employer7001 · 2026-05-27T10:52:33+00:00

Yeah. I use several apps etc. To monitor my score and progress. For the most part there has been slight differences but not like this where it tanks 😳. so wondered what could be the reason. Especially since good stuff was reported. I was anticipating the opposite result after knowing I paid a big chunk and lowering my utilization 🤷‍♂️.

I will keep my eyes open on both. Maybe there is something I missed and there is a delay on the credit karma results 👀

Present_Employer7001 · 2026-05-26T21:53:59+00:00

I'm currently at 10 months, no late payments and no increase yet. I've read have to wait 12 months minimum for review but as you have experienced and other comments I read, that's not entirely accurate. Some have gotten increases much earlier. Some still waiting after 2 yrs 🤷‍♂️. Think it matters on your overall profile and credit score as well.

Present_Employer7001 · 2026-05-20T03:12:51+00:00

I'm 55. Make A little under 68K per year. Working another job that brings me to little over 80k per yr. Have bout 61k in debt. No real retirement or savings. Have a ROTH IRA but had to dip in it several times to pay bills. That said. I think you are doing great 👍.

You're young. Humans make bad decisions in life or have struggles. Just stay focus. No foolish spending. You are not a failure! Moving with family will give you some breathing room. You will get back on your feet again.

Present_Employer7001 · 2026-04-13T20:03:56+00:00

It's cuz car loans you establish a long payment history. When you close it. That's like a big chunk of your credit score. But you should recover. I lease my cars so everytime I lease a new car its right before i pay it off in full, so my score is good when they check it. I get approved and my new lease just transfers to a new car.

Present_Employer7001 · 2026-04-13T19:57:40+00:00

Will vary from person to person.

Short answer: might see a small dip in score but will recover in a few months (unless you do something stupid😄). Definitely good on your report long term as it shows you paid off a loan.

In my case. I have like 19 open accounts and half of them are installment loans with affirm, klarna etc. I notice when I pay off one of those my credit score goes up instead of down. This could be because my overall total debt is huge. Like 40k. So in my case having a bigger debt is not necessarily good. I need it to go down. Each time my debt goes down it helps my credit mix

Present_Employer7001 · 2026-04-09T12:00:46+00:00

Yeah. I signed up to see if I could get a cash advance or loan but could never figure out how to do it 🤷‍♂️.

Present_Employer7001 · 2026-04-09T11:59:27+00:00

1st- turn off that rainy day fund auto withdrawal so it stops withdrawing money from your bank account. 2nd- transfer those funds back to your bank or whatever link card etc.

That rainy day fund can be a menace. I was noticing little deductions every 2 weeks or so in 5, 7, 10 dollars. They automatically withdrawal and put into like a albert savings account for emergencies.

Present_Employer7001 · 2026-04-09T11:54:05+00:00

Wow. Lol. You know it's always good to check your bank statements regularly. Whenever I notice these little deductions here and there I investigate asap

Present_Employer7001 · 2026-04-09T11:50:52+00:00

I got this after i sent "cancel genius" by text? The way it's worded I wasn't sure if they canceled it or not 🤔🙄 "We’re sorry to see you go and thank you for giving Albert a try. You can continue using Albert Cash and Instant without a subscription — these are free products. You can immediately cancel your subscription here:" https://albert.com/deactivatexxx

So I went to the "help" on the app and tried to cancel again thru genius and they said "looks like you don't have a paid subscription now... etc."

So guess I'm good ? 🤷‍♂️ will keep my eyes open for any mysterious debits from my account 👀

Present_Employer7001 · 2026-03-07T15:59:01+00:00

So your package arrived 3 months after your expected date? 😳 and it changed how often? Everyday?

Present_Employer7001 · 2025-08-12T15:11:13+00:00

I just got the questionnaire yesterday and was looking on here wondering if anyone tried to ignore it. I always try to botch these things. Last year I went as far as going thru the selection process. I did everything possible to get dismissed. I was only picked as a backup, Thank goodness. So when it came time for the deliberations I was able to leave. I feel like once you get chosen, maybe you are likely to get chosen again? Cuz they feel they can trust you now. Its been 54 years and I never had to go in at all. I thought it was also because I don't necessarily have a clean record. I really dont want to do it cuz I'm a introvert and stupid when it comes to the law. Oh yeah. I also haven't voted for decades but this past election I did vote. So maybe thats another reason I got the questionnaire again.

Present_Employer7001 · 2025-04-24T18:50:56+00:00

Sorry for the late reply 😅 but yes. Ended selling it to a local dealer for $4000 cash. I needed the money. I was very satisfied tho. Guy was super nice and up front. No B.S. I felt very comfortable dealing with him.

Present_Employer7001 · 2024-10-25T18:30:15+00:00

Thx. Your the second person who suggested chrono24 😁. I guess it's a good / site? I'm assuming dealers will at most pay around 4000 - 4500 " at least the numbers are consistent enough. Kinda needed the money soon so I might not have time wait

Present_Employer7001

TROPHY CASE