The OneMain Financial Bad Credit is a personal loan from OneMain Financial. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 11.99% to 35.99% APR, fixed. Approval typically requires a credit score of No minimum or higher. Rewards: Get rewarded for paying on time with BrightWay ® — the credit card that grows with you.. Typical credit limit: $1,500 to $30,000. Funding speed: Money as fast as 1 hour after loan closing.. Loan terms: Fixed-rate loan with terms of 24 to 60 months. This product reports activity to your personal credit report. Secured and unsecured options. In-branch and online. Accepts bad credit. Origination fee varies by state. Has 1,400+ branches. Terms 2-5 years.