The funds you
need for your
next step

A OnePay Personal Loan lets eligible customers borrow between $1,000 and $50,000 directly through the OnePay app. You can use it to consolidate higher-interest debt, cover large expenses, or handle unexpected costs.

You can check your rate in the OnePay app by going to Personal Loans, selecting “See if you pre-qualify,” and following the prompts. If you qualify, you’ll be able to view your loan offers.

No. Checking your rate uses a soft credit inquiry, which does not affect your credit score. If you accept a loan, a hard inquiry will be performed, which may impact your credit score.

To apply, open the OnePay app, go to Personal Loans, and follow the steps to see if you pre-qualify. If you pre-qualify, you can review your offer and complete the application directly in the app.

Loan amounts range from $1,000 to $50,000. If approved, the amount depends on factors like your credit profile and financial history.

Annual Percentage Rates (APRs) typically range from 7.74% to 35.99%. Loans may include an origination fee (usually 1.85% to 9.99%), and late or returned payment fees may apply.

Repayment terms typically range from 24 to 84 months. If approved, your specific terms will be shown in your offer before you accept.

After completing your application, if you’re approved and complete any required verification, funds are typically delivered within 1–3 business days. Some customers may receive funds sooner.

No. You can pay off your loan early or make extra payments at any time without penalty.

If a payment is late, a late fee may apply. Interest will continue to accrue, and missed payments may be reported to credit bureaus, which could impact your credit score.

OnePay Personal Loans provide access to larger loan amounts and longer repayment terms. OnePay Later is designed for purchase made at Walmart or after you shop when you bank through OnePay. OnePay Later offers shorter term plans for purchases $50-$6,000.