OneMain Financial

OneMain Financial is the largest personal installment lender in the United States, providing personal and auto loans to nonprime customers who may not qualify for traditional bank lending. The company was founded in 1912, originally as Commercial Credit, and has operated for more than a century. It serves customers in 47 states through a network of more than 1,300 branches, and has served over 18 million customers since 2006.

Its core products are personal and auto installment loans of $1,500 to $20,000, offered with fixed rates and clear terms, with funds available as fast as one hour after loan closing. The company also issues the BrightWay credit card, which rewards customers for building positive payment history. A Customer Bill of Rights guarantees affordable payments and transparent pricing, and allows customers to cancel a loan within seven days under a satisfaction guarantee. Financial health services include free monthly credit score updates, financial education resources and personalised budgeting assistance.

OneMain Financial reports a 90% customer satisfaction rate and describes its approach as customer-first and centred on responsible lending. Its stated mission is to help Americans achieve better financial futures, and the company partners with local and national organisations on economic mobility. Roles span its branch network, lending operations and customer service functions across the United States.