Citi vs OneMain Financial
Citi LOANS offers a lower rate at 9.99% APR versus OneMain Financial's 11.99% APR, with FDIC insurance protection. Both have $0 minimums and no monthly fees, but Citi's rate advantage results in meaningfully lower borrowing costs over the loan term.
Option B
OneMain Financial
11.99%
APR
- Min
- $1500
- Fee
- $0/mo
Best for: savers prioritizing brand familiarity
Open with OneMain Financial →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 8/23/2026.