OneMain Financial
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OneMain Financial specializes in lending to people with lower credit scores or limited credit history, offering both secured (collateral-backed) and unsecured personal loans from $1,500 to $30,000. Secured loans typically come with lower rates since they're backed by an asset, while unsecured loans are available but carry higher interest. The company has physical branch locations plus online application, and approvals can happen in a day or two. Founded in 1912, it's one of the oldest consumer finance lenders in the US.
It's a practical choice if you've been turned down elsewhere or have poor credit but need to consolidate debt. The collateral option can lower your cost if you own something valuable, though it does carry risk. OneMain's long history and branch presence offer reassurance if you prefer working with an established lender, though you'll want to compare rates carefully since they tend to be higher than alternatives for prime borrowers.