OneMain Financial offers personal installment loans up to $20,000, catering to a variety of financial needs such as debt consolidation, home improvements, or unexpected expenses. They provide flexible repayment terms ranging from 6 to 60 months, allowing borrowers to choose a plan that fits their budget. The application process can be completed online or at one of their branch locations, and they consider applicants with less-than-perfect credit. Funding is typically available the next day after approval. Interest rates and fees vary based on creditworthiness, loan amount, and state regulations. While they offer larger loan amounts and longer repayment terms compared to payday lenders, the interest rates can still be higher than traditional bank loans, especially for those with poor credit. Borrowers should carefully review the loan agreement and understand all terms and conditions before proceeding to ensure the loan meets their financial needs and repayment capabilities.