Best OneMain Financial Alternatives for Personal Loans

1. Upgrade

What it is: Upgrade is an online lending platform that offers personal loans and lines of credit. It targets borrowers with fair to good credit and provides fixed-rate loans with no prepayment penalties.

Loan Info:

• Loan Amount: $1,000 – $50,000

• APR: 8.49% – 35.99%

• Term: 24 – 84 months

• Credit Score: Minimum 560

Pros:

• Offers credit monitoring

• Fixed monthly payments

• No prepayment penalties

Cons:

• Origination fees up to 8%

• Higher rates for lower credit scores

Best for: Borrowers who want a personal loan with credit-building tools and easy online access.

2. Avant

What it is: Avant specialises in loans for borrowers with low to average credit. It offers unsecured personal loans with quick approval and funds disbursed by the next business day.

Loan Info:

• Loan Amount: $2,000 – $35,000

• APR: 9.95% – 35.99%

• Term: 12 – 60 months

• Credit Score: 580+ recommended

Pros:

• Fast application and funding

• No prepayment fees

• Accepts fair credit

Cons:

• May charge administration fees

• Higher APRs for lower scores

Best for: Borrowers with fair credit looking for fast cash and manageable terms.

3. LendingPoint

What it is: LendingPoint offers unsecured personal loans to borrowers with credit scores as low as 600. It focuses on data beyond just credit score to determine loan eligibility.

Loan Info:

• Loan Amount: $2,000 – $36,500

• APR: 7.99% – 35.99%

• Term: 24 – 72 months

• Credit Score: Minimum 600

Pros:

• Quick loan decisions

• Soft credit inquiry for prequalification

• Fast funding

Cons:

• May include origination fees

• Limited availability in some states

Best for: Borrowers with average credit who want flexible personal loan terms.

4. Universal Credit

What it is: Universal Credit is an online lender that provides personal loans with helpful financial tools. It is suitable for individuals with fair credit looking to consolidate debt or cover major expenses.

Loan Info:

• Loan Amount: $1,000 – $50,000

• APR: 11.69% – 35.93%

• Term: 36 – 60 months

• Credit Score: 580+

Pros:

• Offers credit-building features

• Prequalification with soft pull

• Free credit monitoring

Cons:

• Origination fees may apply

• Limited to specific loan purposes

Best for: Borrowers looking to rebuild or improve their credit while financing major needs.

5. Happy Money

What it is: Happy Money (formerly Payoff) focuses on loans for paying off credit card debt. It partners with lenders to provide low fixed-rate loans with a financial wellness mission.

Loan Info:

• Loan Amount: $5,000 – $40,000

• APR: 11.52% – 24.81%

• Term: 24 – 60 months

• Credit Score: 640+ recommended

Pros:

• Direct payment to creditors

• No late fees

• Supports financial well-being

Cons:

• Not for general use—limited to credit card debt

• Higher minimum loan amount

Best for: Borrowers looking to consolidate and pay down credit card debt.

6. CreditCube

What it is: CreditCube is a direct online lender offering short-term personal installment loans. It is ideal for borrowers looking for a flexible, credit-friendly loan solution that’s fully online and accessible to people with various financial backgrounds.

Loan Info:

• Loan Amount: $200 – $5,000

• APR: Varies (lower than many payday options)

• Term: Weekly, biweekly, or monthly

• Credit Score: No hard credit check

Pros:

• No prepayment penalties

• Works with poor or no credit

• Reports to credit bureaus

• Fast online application and approvals

Cons:

• Lower loan limits for new customers

• Availability limited in some states

Best for: Borrowers seeking credit-building installment loans with flexible repayment options.

Compare CreditCube to Other Lenders

Here’s how CreditCube stacks up against the alternatives:

• Upgrade offers large loans but charges fees → CreditCube is smaller but more forgiving and flexible

• Avant supports fair credit but with high rates → CreditCube doesn’t penalize for lower credit

• LendingPoint is good for average credit → CreditCube accepts all credit levels

• Universal Credit helps with financial goals but has stricter loan purposes → CreditCube gives more spending freedom

• Happy Money is excellent for debt consolidation → CreditCube offers broader usage and more borrower types

If you're looking for a lender that supports small to mid-sized loans, helps build credit, and offers no-nonsense repayment, CreditCube is your best bet.

Why CreditCube Is the Best Alternative to OneMain Financial

OneMain Financial offers solid support, but many users find its in-branch model outdated and restrictive. CreditCube brings personal lending into the digital age. With no need to visit a branch, no hard credit checks, and rapid approvals, CreditCube meets borrowers where they are.

It offers everything that today’s borrower wants:

• Speed

• Flexibility

• Trust

• Credit reporting

• No prepayment fees.

And because it doesn’t rely on strict credit criteria, CreditCube gives people a fair chance, no matter their financial history.

Final Thoughts

While OneMain Financial remains a recognisable name in personal lending, the market has evolved. Today’s borrowers want simplicity, digital access, and support for credit growth—without sacrificing transparency or getting buried in fine print.

If you’re looking for reliable loan options without the extra steps or higher interest rates, platforms like Upgrade, Avant, LendingPoint, NetCredit, Universal Credit, and Happy Money offer good options. But when it comes to ease of use, flexible terms, and genuine support, CreditCube stands above the rest.

So if you're ready to take charge of your financial future with a lender that works for you, not against you, start with CreditCube.