Personal loans might be called different things, but they’re all designed to provide you with temporary financial relief.
All we require you to:
1. Be employed in your current position for approximately 90 days or have another source of adequate and predicable income;
2. Be at least 18 years old, and a US citizen or a permanent resident;
3. Have an income of approximately $1,000 per month after tax withholdings; and
4. Have a valid email address, work phone number and home phone number
If you receive a guarantee from us, then yes. The guarantee will be subject to either the terms and conditions on this website or to the terms of any signed agreement between you and our company. If you also receive a separate guarantee from one of our partners, then they will provide you with their guarantee details and terms.
Any guarantee that is made will be based on you, and you alone, for personal loans and/or lines of credit. No co-signers, home ownership or collateral is usually necessary.
The interest rates we show are based on the credit situation selection that you have made. But ultimately it is based on your actual credit situation and is up to the individual lender to make that determination.
Once One Finance approves your loan and you accept the loan terms, your loan will be deposited directly in your bank account, usually as soon as the next day.
Yes, even if you have a bed credit score we still approves ypur loan reqest on basis of your current financial situation. You can also call us to proceed further
It should only take a few minutes to complete our secure online form. After we receive your information, we immediately start process with one finance that is willing to work with you. You should have a response from one of our loan executive within minutes. Final approval and funding is often done in as little as 24 to 48 hours.
If you receive a guarantee, then a personal loan can usually be funded within a day or two, sometimes the same day. Lines of credit may take longer. Funds are usually issued directly into your bank account by check and the first payment is usually due 30 days after funds are received. Lenders will report your monthly payments to the credit bureaus.
The actual cost of your loan may vary by loan credit. You will be provided information on the rates and fees before you accept the loan. Personal loans are not designed as long term financial solutions but are often less costly than late charges, NSF fees or reconnect fees for overdue utilities. Please only accept a loan if you believe you have the ability to repay it.
If you have selected the convenient and secure ACH payment option, your loan payment will be withdrawn from your bank account on its due date. This option is designed for convenience and helps you avoid potential late fees or default! If you need an extension on your loan, please contact your lender or lending partner before you miss a payment (additional fees may be involved).
One Finance has its own late payment policy and fees. Check your loan documents for details or contact us directly. Some states may regulate or limit late fees.
We use industry-recognized security and advanced encryption technology to protect your personal information. Your information is transmitted and stored securely in an encrypted format. Please review our privacy policy for additional details.
If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.
If you can’t make your payments on time, don’t ignore it! Talk to your lender or lending partner ahead of time and see what they can do to help you make the best of the situation.