If you cannot meet the credit score minimums of LendingPoint, Onemain loan may be an option. This provider works with all credit profiles, but this does come at a cost – OMF rates are higher. So, if you do have a credit score of 585 or more, LendingPoint is the better choice. However, Onemain does allow you to use collateral to back your loan and help you to qualify for a lower rate. But, there is an origination fee of up to 10% that you’ll need to consider.