# OneMain — Personal & Auto Loans

> Mobile app for managing OneMain personal and auto loans, including payments and credit monitoring. (iPhone/iPad app by One Main Financial.)

- Source: https://appshunter.io/ios/app/onemain/id727850116 (this page in markdown: same URL + `.md`)
- Developer: [One Main Financial](https://appshunter.io/developer/727850119)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.80/5 from 90,776 App Store ratings · 321 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 83 MB
- Languages: American English
- Released: 2013-10-24
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/onemain/id727850116/reviews.md

## What is OneMain?

Access the tools you need and all the best extras. Stay in control of your loan and keep tabs on your progress.

An active OneMain account is required to use this app. To apply for a new personal loan, visit OMF.com.

APP FEATURES

- Make loan payments on the go.
- Turn on AutoPay to schedule automatic payments.
- Sign up for paperless statements and payment alerts.
- Monitor your VantageScore (R) (updated monthly).
- Access OneMain (R) MyMoney to track your spending and even save some cash.
- View your loan details and OneMain BrightWay (R) credit card activity (if applicable).

Note: Deleting this app does not close or delete a OneMain or BrightWay account. As a regulated lender and financial institution, we must retain certain records under applicable law.

ABOUT ONEMAIN FINANCIAL

We provide personal loans that can help you get the money you need, for purposes such as:

- Debt consolidation
- Home improvement
- Auto purchase or repair
- Vacations
- Emergencies
- Major purchases

Our personal loan repayment periods range from 24 to 60 months with a maximum Annual Percentage Rate (APR) of 35.99%. Loan amounts range from $1,500 to $30,000.

Not all applicants qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than 10 years old that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly qualified applicants may be offered higher loan amounts and/or lower APRs. Loan proceeds cannot be used for postsecondary educational expenses, for any business or commercial purpose, to buy cryptocurrency or other speculative investments, or for gambling or illegal purposes. Active-duty military, their spouse or dependents covered by the Military Lending Act may not pledge a vehicle as collateral.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: $3,100. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.

Borrowers in these states are subject to these maximum loan sizes: North Carolina: $11,000 for unsecured loans to all customers; $11,000 for secured loans to present customers. Maine: $7,000. Mississippi: $12,000. West Virginia: $13,500. Loans to purchase a motor vehicle or powersports equipment from select ME, MS, and NC dealerships are not subject to these maximum loan sizes.

We charge loan origination fees. Depending on the state where you open the loan, the fee may be a flat amount or percentage of the loan amount. Flat fee amounts vary by state, ranging from $25–$500. Percentage-based fees vary by state, ranging from 1%–10% of the loan, subject to certain state limits on the fee amount.

Example Loan: A $6,000 loan with a 24.99% APR repayable in 60 monthly installments would have monthly payments of $176.07.

When refinancing or consolidating existing debts, total finance charges over the life of the new loan may be higher than your current debt because the interest rate may be higher and/or the loan term may be longer. Our loans include origination fees, which may reduce the amount of money available to pay off other debts.

State Licenses: OneMain Financial Group, LLC (NMLS# 1339418). CA: Loans made or arranged pursuant to Department of Financial Protection and Innovation California Finance Lenders License. PA: Licensed by Pennsylvania Department of Banking and Securities. VA: Licensed by Virginia State Corporation Commission – License Number CFI-156. OneMain Mortgage Services, Inc. (NMLS# 931153). NY: Registered New York Mortgage Loan Servicer. See more licensing information at nmlsconsumeraccess.org and onemainfinancial.com/legal/disclosures.

## Key features

- Make loan payments
- Set up AutoPay
- Sign up for paperless statements
- Monitor VantageScore
- Access spending tracker

## Chart rankings

- #120 in Top Free · Finance (US App Store)

## What do users think of OneMain?

Overall sentiment: mixed

**Pros**

- 👍 User-friendly app
- 🚀 Convenient payment processing
- 💡 Helpful customer service
- 🤝 Great company overall

**Cons**

- 🐛 Buggy app updates
- 🔒 Security issues with password entry
- 💰 Predatory lending practices
- 📞 Lack of self-service options

**Commonly reported bugs**

- App not fitting screen properly after updates
- Face ID/Touch ID authentication not working
- Incorrect payment information displayed
- Frequent app crashes and login issues

**Most requested features**

- Ability to make principal-only payments
- Biweekly payment scheduling
- Improved account management features
- Seamless integration between app and website

## Recent user reviews (10 of 321)

All indexed reviews: https://appshunter.io/ios/app/onemain/id727850116/reviews.md

### 5/5 — Customer Service

*2026-08-25, version 10.31.0*

The agent who secured and finalized my loan is a rockstar! Every customer should have the benefit of someone like her. I hope OneMain recognizes her service to the company…

### 1/5 — Service

*2026-08-21, version 10.31.0*

Very bad customer service

### 1/5 — Robbery

*2026-08-19, version 10.30.0*

Get your loan down , they rob you with some kinda fee .. unknown .. trying to figure it out … mine was at 3,200$ ….  9 days later 4,650$ … no one will tell you why ….   AVOID THIS PLACE LIKE THE PLAGUE !!!!!

### 1/5 — The road to financial freedom…

*2026-08-17, version 10.30.0*

Interest disgustingly high. I realize borrowing this money from OMF was not a benefit nor solution to my situation. Their “help” has cost me more in the long run.

### 1/5 — Over payment

*2026-08-17, version 10.30.0*

I made 2 payments on my account I contacted one main and spoke to the manager Stephanie and she stated she needed a statement that shows that the payments aren’t pending but they were settled the next day. I explained that my checking account is overdrawn and they didn’t care. So I regret trusting them with the customer service as of right now and there lack of customer service I don’t recommend one main

### 1/5 — Offer clearly said unsecured but it was not.

*2026-08-14, version 10.30.0*

Mathew call me, asked for car documents after it said unsecured loan was approved and then denied it because i did not want to give my car’s docs, fico score of 714

### 2/5 — Twig

*2026-08-14, version 10.30.0*

I have yet to have a good experience with this app!   It never wants to
Open when ai login!  The Face ID does not work!  It consistently refuses to open upon login!  Have to repeatedly try to login!  Then I go to change password & it says not to use original password! Then it opens!

I can’t tell you how aggravating this app is to try & use!

Got anyone who knows how to fix the problems?

Plus NEVER DIES THE DEVELOPER RESPOND TO CORRECT ISSUES!!   Really poor service!!

### 5/5 — Carol Harris

*2026-08-12, version 10.30.0*

One Main is very helpful and willing to help me get back on track

### 5/5 — Ruben is the Best

*2026-08-11, version 10.30.0*

Ruben had to be the nicest guy I’ve ever talked to! He knew what he was doing, even though I got a little confused he knew how to answer all my questions. Such a professional. Thank you Ruben!

### 5/5 — Very good

*2026-08-10, version 10.30.0*

I love the service

## Frequently asked questions about OneMain

### What does the OneMain app do?

The OneMain app allows existing customers to manage their personal and auto loans. You can make loan payments, set up automatic payments via AutoPay, and receive paperless statements and payment alerts. It also provides tools to monitor your VantageScore and track your spending.

### How do I get a loan through this app?

This app is for existing OneMain customers to manage their active loans. To apply for a new personal loan, you need to visit OMF.com. The app does not facilitate new loan applications.

### Is the OneMain app free to use?

Yes, the OneMain app is free to download and use for existing customers. There are no in-app purchases or advertisements mentioned.

### What are the loan terms and conditions?

Loan repayment periods range from 24 to 60 months, with a maximum APR of 35.99%. Loan amounts can range from $1,500 to $20,000. Specific loan amounts and terms depend on your creditworthiness, collateral, and state of residence. Loan origination fees may apply.

### Who is the target audience for this app?

The app is designed for individuals who already have a personal or auto loan with OneMain Financial. It provides them with convenient tools to manage their loan accounts, track payments, and monitor their financial progress.

## Version history (last 5 releases)

### 10.31.0 — 2026-08-20

- UI enhancements
- Performance enhancements
- Stability improvements
- Bug fixes

### 10.30.0 — 2026-08-05

- UI enhancements
- Performance enhancements
- Stability improvements
- Bug fixes

### 10.29.0 — 2026-07-21

- UI enhancements
- Performance enhancements
- Stability improvements
- Bug fixes

### 10.28.1 — 2026-07-02

- UI enhancements
- Performance enhancements
- Stability improvements
- Bug fixes

### 10.28.0 — 2026-07-01

- UI enhancements
- Performance enhancements
- Stability improvements
- Bug fixes

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*