OneMain Holdings is a financial services company that provides consumer credit products to nonprime borrowers with limited access to traditional banking, operating through more than 1,300 branch locations and digital platforms across the United States. The company generates revenue primarily through personal loans, auto finance, credit cards, and optional insurance products like credit life and disability insurance, along with its free financial wellness platform. OneMain serves a large market of underserved consumers by leveraging disciplined underwriting, proprietary risk assessment models, and an omnichannel distribution model that combines local branch expertise with digital lending capabilities.