OneMain Financial vs Personify Financial

	Featured
Feature	OneMain Financial OneMain Holdings, Inc.	Personify Financial Applied Data Finance, LLC d/b/a Personify Financial
Rating	4.3	3.9
Loan Type	personal	installment
APR Range	11.99% - 35.99%	36% - 179.5%
Loan Amount	$1,500 - $30,000	$500 - $15,000
Term Length	24 - 60 months	12 - 48 months
Pros	Secured loan option available (lower rates with collateral) 1,300+ physical branches for in-person support Approves borrowers with credit scores in the 600s Same-day funding in many cases	Looks beyond your credit score at income and banking history No application fee, and no penalty for paying off a loan early Funds available as soon as the next business day after you sign Reports payment history to the credit bureaus, plus monthly FICO Score access at no added cost
Cons	Origination fees (flat or percentage, varies by state) Higher minimum APR than online-only competitors Requires verification appointment for many applications	APRs run up to 179.50%, at the top of the range for any installment lender Origination fee of up to 5.99% is added to the balance on most loans, so you pay interest on it too Only active in 27 states — many of the largest states aren't on the list Uses a bank-partner structure that consumer advocates and at least one lawsuit have challenged
Requirements	At least 18 (19 in some states) Photo ID and proof of residence Verifiable source of income In-person or virtual appointment for verification	At least 18 years old Valid, active checking account Verifiable income Valid email address and government-issued ID for identity verification
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