Comparison

OneMain Financial vs Avant

OneMain Financial and Avant both land on Depends.

OneMain Financial

Depends

Confidence: Medium

A legitimate last-resort lender for fair or poor credit borrowers who need $1,500+ fast and were declined elsewhere.

Avant is a legitimate online lender worth checking if you have fair credit and have been declined elsewhere, but its FTC settlement history and unresolved-fraud complaints justify comparing credit unions and rivals first.

Read the full report

OneMain Financial versus Avant
Compare	OneMain Financial	Avant
Verdict	Depends	Depends
Best for	Poor/fair credit borrowers declined elsewhere	Fair-credit borrowers declined elsewhere
Who it's not for	Good-credit borrowers . cheaper lenders abound	Good-credit borrowers hunting the lowest APR
Privacy	Formal security program exists, but NYDFS fined OneMain $4.25M for cybersecurity failures in 2023.^⁵	No known public vulnerabilities found in the sources reviewed.
Support quality	Split ratings: 4.6 vs 1.6	Fraud complaint unresolved; BBB complaints listed
Public sentiment	Reviews split sharply: 4.6/5 on Trustpilot (80,880 reviews) versus 2.1/5 on WalletHub and 1.6/5 on PissedConsumer.^¹	Reviews are split: WSJ rates Avant 4/5, but borrower forums and complaint boards flag trust and service problems.¹¹
Biggest gotcha	State AGs allege loans were packed with junk insurance add-ons . read final paperwork line by line.^⁶	Cardholder says fraud claim stalled with no resolution for months¹⁶

Pick OneMain Financial when

Poor/fair credit borrowers declined elsewhere
Borrowers needing same-day cash
People wanting a secured loan option
Small loans ($1,500+) with in-person support

When OneMain Financial is not a fit

Good-credit borrowers . cheaper lenders abound
Anyone who can wait and improve credit first
People who won't scrutinize add-on fees
Borrowers needing large loans

Pick Avant when

Fair-credit borrowers declined elsewhere
Debt-consolidation shoppers
People wanting a fully online application

When Avant is not a fit

Good-credit borrowers hunting the lowest APR
Anyone expecting responsive fraud support
Guess: small businesses . Avant lends to consumers only

Sources

OneMain Financial Reviews - Trustpilottrustpilot.com
review
OneMain Financial Reviews for 2026 - WalletHubwallethub.com
review
OneMain Financial Reviews - PissedConsumeronemain-financial.pissedconsumer.com
review
CFPB Orders OneMain to Pay $20M for Deceptive Sales Practicesconsumerfinance.gov
news
DFS Announces $4.25M Cybersecurity Settlement With OneMaindfs.ny.gov
security
OneMain Financial sued by 13 attorneys general - PBSpbs.org
news
Is OneMainFinancial bad? - Redditreddit.com
review
OneMain Financial: Fast Personal Loans for Poor Credit - Experianexperian.com
official
OneMain Financial Personal Loansonemainfinancial.com
official
Avant | Personal Loans & Credit Cardsavant.com
official
Avant Personal Loans Review 2026 - WSJ Buy Sidewsj.com
review
Avant Personal Loans & Debt Consolidation Review - Debt.orgdebt.org
review
Read Customer Service Reviews of avant.com - Trustpilottrustpilot.com
review
FTC Returns More Than $3.7 Million To Consumers Harmed by Online Lender Avantftc.gov
news
The Avant settlement: New financial platforms, established consumer protectionsftc.gov
news
Avant credit card fraud getting nowhere - AskAboutMoneyaskaboutmoney.com
review