OneMain Financial provides personal loans with mobile access for customers to manage their loan accounts. The mobile app allows users to service existing loans and submit applications to refinance loans, but new loan applications cannot be submitted through the app. The company operates customer service from Monday to Friday, 7 am to 8 pm CT, and on Saturdays from 8 am to 5 pm CT. Deleting the mobile app does not close or delete a OneMain loan account, as the company is required to retain certain records as a regulated lender and financial institution.

Personal loans from OneMain Financial have repayment periods ranging from 24 to 60 months, with a maximum Annual Percentage Rate (APR) of 35.99%. The minimum loan amount offered is $1,500, while the maximum is $20,000. Approval for larger loans or more favorable terms is subject to meeting credit standards, including a responsible credit history, sufficient income, and collateral availability. Highly qualified applicants may receive higher loan amounts and lower APRs. Loan proceeds cannot be used for specific purposes such as post-secondary education expenses, business or commercial activities, buying crypto, gambling, or illegal purposes.

Borrowers in certain states are subject to minimum and maximum loan sizes based on their location. For example, borrowers in Alabama may have a minimum loan size of $2,100, while those in North Carolina may have a maximum loan size of $11,000 for unsecured loans. Loan origination fees are charged, with the amount varying based on the state where the loan is opened. Fees can be a flat amount or a percentage of the loan amount, with flat fees ranging from $25 to $500 and percentage-based fees ranging from 1% to 10% of the loan, subject to state limits. It's important to note that when refinancing or consolidating existing debt, total finance charges over the life of the new loan may be higher due to a potentially higher interest rate or longer loan term.