To apply for a personal loan, you'll need proof of identity (such as a driver's license, state-issued ID card, or passport), proof of residence (such as a utility bill or signed lease), and proof of income (such as pay stubs or tax returns).
No. When you check for offers, we use a soft credit inquiry that won't affect your credit score. A hard inquiry is only made if you decide to proceed with a full application.
Most applications receive a decision within minutes. Once approved, you could have your money as fast as 1 hour after loan closing with SpeedFunds®.
One Main Capital offers personal loans from $1,500 to $20,000, depending on your state of residence and creditworthiness. Some states have minimum and maximum loan limits.
Yes! You can apply online, by phone, or visit one of our more than 1,300 branch locations.
You can make payments online through your account, by phone, at a branch, by mail, or set up automatic payments from your bank account.
Yes! You can pay off your One Main Capital personal loan early at any time without prepayment penalties.
Log in to your account online and navigate to the payment settings. You can set up automatic payments from your bank account or debit card.
If you miss a payment, late fees may apply depending on your state. We encourage you to contact us if you're having trouble making payments—we're here to help find solutions.
Log in to your online account to view your current balance, payment history, and upcoming payment due dates.
You can update your address, phone number, and email in your online account settings or by contacting customer service.
Yes, you can access your loan documents through your online account or by contacting your local branch.
Click "Forgot Password" on the login page. Enter your email address and we'll send you a link to reset your password.
Your username is typically your email address. If you've forgotten which email you used, contact customer service for assistance.
Visit our website and click "Log in," then select "Register" to create a new account. You'll need your loan account number and Social Security number to verify your identity.
Our customer service team is here to help.
1-800-961-5577
Mon-Fri: 8am-9pm ET
Sat: 8am-5pm ET
This won't affect your credit score.