OneMain Financial

Making a payment is easy. You can make a payment anytime by logging in to your account online or on the OneMain mobile app. We also accept payments by mail, at participating retailers or over the phone on our Customer Service line. Also, you can pay by check or debit by visiting us at the Hickory branch.

Our loan decisions are based on more than just a traditional credit score. Even though we don’t have a stated minimum credit score requirement, a low credit score may indicate a poor credit history that may impact your loan application. We make decisions based on a variety of factors, including income, expenses, availability and value of collateral (if applicable).

By filling out our online prequalification form, you will be able to see if you are prequalified for a personal loan without impacting your credit score. Please note that a hard credit pull will occur when you submit your loan application after prequalification, which may impact your credit score. Once you are prequalified and submit your loan prequalification form online, a team member from our Hickory branch will contact you and continue the loan process with you. You can also start the prequalification process at your local Hickory OneMain Financial branch. Please make sure to contact a local branch specialist to go over the list of documents you may need before your arrival. If you're unable to make it during regular business hours, we also offer after-hours appointments by request.

At the Hickory OneMain Financial branch, we offer secured and unsecured personal loans. Secured personal loans require collateral, such as a car, RV or boat, while unsecured loans don’t require any collateral. Our customers have used their loans to achieve all kinds of financial goals: debt consolidation, auto refinance, home improvement, moving and more. Check out onemainfinancial.com/personal-loans to learn more about what you can do with a personal loan from OneMain.

Yes

OneMain's minimum loan is $1500. They do not go by credit score, but by your actual credit report. They will look at your credit bureau, income, residence history, and employment history, and use those 4 factors plus your application to determine eligibility.

If you have an account, yes you can. All you need is your account number to register online at www.omf.com and you can make payments from there.

OneMain offers unsecured and secured loans. If you qualify, one of those products may require a vehicle as collateral. It depends on the value of the vehicle if OMF can use it as collateral or not. They use the NADA valuation system, and it needs to value at least $2000 to consider using it.