Discover vs OneMain Financial
Discover Loans charges 7.99% APR compared to OneMain Financial's 11.99% APR, making Discover significantly cheaper for borrowers. Discover also offers FDIC insurance protection, while OneMain does not. Both require $0 minimum balance and charge no monthly fees.
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.