Although OneMain and Avant offer similar loan products, there are some crucial differences. Generally speaking, applicants with a decent score are likely to enjoy a more favorable rate with Avant, but if your score isn’t great, OneMain’s flexibility could offer you a great deal. Avant also offers a higher lending potential. Which is better will depend on your circumstances. If you have a credit score below 620 or you can put up some collateral for your loan, OneMain is likely to be the better option. But, if your score is above 620 and you want an unsecured loan, opt for Avant.