OneMain Financial Reviews

Extremely disappointed, particularly with how this company handled my military service and income. I am a 20-year Army veteran and current Army Reservist, and I have successfully done business with this company before and made all payments on time. I applied for a debt-consolidation loan and was initially told my application looked great and that I qualified for more than I requested. That's important; I was already qualified for more than the requested amount. I was promised a callback that never came. I finally called them myself near closing on Friday before a 3-day weekend, only to be denied by different agents than one I started with.

I was very fortunate to work with Antonique who handled the whole transaction with ease and professionalism. She was prompt, attentive, informative and diligent. I highly recommend her as well as the company.

If you become disabled, like medically per the SSA, they will still force you to pay off the full loan, including non modified payments for your new income and just tell you to get a lawyer when you tell them you can not afford it because you make less than minimum wage now.

Horrible so far. Never received money. Trying to get out as soon as possible.

I called the One Main Financial bankruptcy department in order to surrender a car back to them. The department said no problem, call the Hemet, CA office to make arrangements and if they have any issues to call them. I called the Hemet office on Friday, July 31, 2026 and spoke with Morgan. Explained everything to her, discussed paperwork and told her the main office said that if she had any questions to contact them. She assured me that she would do so and that when I come in at 4PM to surrender the car, she would have everything ready.

I have had bad experiences with them too. They had deposit like 980 into my account then they wanted me to take out like 500 just to go and buy a card from Walmart. Then wanted to me to back and get another card. So now I'm in a hole. The bank they make like things are ok.

Horrible place to get a loan, Hailey told me I was approved for $4,000 and then called back and wanted another pay stub which I told her in the beginning I didn't make anything 'cause I've been out sick but still had $4,500 a month income from the VA. She said, "Yes, I know it's approved. They just need that for records." So after jumping through hoops and promising the loan I had to call the next day at noon 'cause I had not heard from them just for her to say I was denied. ONE MAIN IN Diberville IS WORSE THAN A USED CAR SALESMAN. Save your time and don't deal with OneMain!

Five years ago when I received a loan for my car and money for debt, everyone was so nice and worked with you. Five years later, I have come into some financial trouble, emailed for help multiple times and called multiple times and no one answered. No help, just a repo letter out of nowhere. I am one payment behind and their rates are so high you can't catch up. I am extremely disappointed in the customer service and have contacted an attorney.

Put my car up for collateral. Couldn’t afford payments. Took a loan out before that.. Now I’m still in the same situation as before. They want more money! I can’t do this!

After being pre approved, then approved fully for way above the amount I requested. Completed all required documents to be uploaded, which all of this took days of back and forth. Was then turned down at the last minute and given no reason as to why.

Worst financial company ever. I'd rather borrow money from satan himself than this company. Horrible. From top to the bottom. Just don’t do it.

They have charge interest. Lord forbid life happens they spam the hell put your phone instead of waiting for the next month where you can make it up. I mean I got 30+ phone calls. Then demanding a routing and account number, basically they baby you to make sure you make payments instead of allowing you to make payments up when life doesn’t get in the way. Like I was in the hospital and they say I can’t delay a month to make a payment.

I have had several loans with OneMain over the past 15+ years. This has been the worst experience I have ever had with them. In the past years it was as easy as calling or applying online, getting a call back from them to go over amount I am wanting to borrow... and submitting a few items online. Then immediately approval and money deposited into my account within 24 hours. This time it has been a huge hassle. Online I received a message that I was approved. Then this morning I received a text introducing the gal and stating I have been approved to call them to finalize. When I called they had to process my application again, then stated I need to come into the branch to sign papers, but they are closed Saturdays and this Friday for holiday. I do not have a conventional job. I do not work M-F 9-5. I will not use OneMain in the future.

This is the worst place to apply for a loan. The office in Paris his name is Tim tells all kinds of lies and gets you nothing.

I have been using One Main Financial loan for the second time and had a very pleasant experience with Mr. ** who was very professional and kind. He was able to show me the whole process and completed all the requirements for me in a very quick and professional manner. I would definitely recommend their service to my friends and family.

Feb 11, 2026 got approved for a Credit Card, it took 3x of mailing me a card before I received one, once I received it, I was unable to register it on the BrightWay application, no pin number ever recived, numerous phone call, emails, I finally gave them a date 18 May, if I was not able to use my card, register it, have a pin, I would cancel the card. Well it didnt happen, there a glitch in the system, wait another 72 hours, 5 emails later, I was done, 22 May 2026, I received a call from the Executive Customer Care office, they agreed to refund my money via a check for all payments made on a card I was unable to use. Very disappointed with the company. I will be satisfied when I receive the check, I wish I would have read the reviews more.

My husband got a personal loan using my car as collateral, they said that I signed the documents giving him consent. I finally received the copy of the document three years later. It's not my signature. They have charged my husband over $9171.63 in interest alone, and $3,317.23 that has been applied to the principal of a $12,294.84 loan. I have been insulted, degraded, and treated like a child every time I speak to the Manager of the One Main Financial office in Georgetown, Texas. They are charging my husband for hidden insurance fees that he and I both have ask for that to be removed and refunded the money. They Refuse to do so, they are very unprofessional and over charging my husband. All I want is my car title back, I have paid for the car.

I was approved for a loan. Turned it down, worse experience I have ever had. No call backs, waiting on phone sometimes 20 min or longer. I have never had a worse experience with any lending institution. I got approved & I turned it down.

These are predatory lenders. Interest rate is sky high and will hound you to death if you are one day late. STEER CLEAR.

When I borrowed the first time, all was good. But they added charges that was unwanted. Then I had to borrow again and when asked about those unwanted charges I was told they didn't exist anymore and there was no refund for charges not used. So out of that I lost about $3,000 for those UNWANTED CHARGES. What does this sound like?

Reyna **, Personal Loan Specialist, made a real difference in my experience. She took the time to truly understand my situation and looked beyond my debts to see my needs. Her guidance was thoughtful, professional, and focused on helping me make wise decisions—especially when it came to paying off my loans. I walked in feeling uncertain and left feeling confident and empowered. That kind of care and attention speaks volumes about the service here. If you’re in the Texas City–La Marque area in Galveston County, I highly recommend asking for Reyna **. She genuinely cares and it shows.

If you miss a single payment, they will harass you to a nervous breakdown. I would not recommend doing business with them by any means.

Very bad customer service and service online is even bad. Before asking soft credit to pull they without asking do hard credit check up and not approve the loan as being said that with the vehicle collateral will be approved and at last, we have to call to find out and the customer service says not approved. What kind of loan is this? Company doesn't explain anything online. This one looks very fake to me. This company shouldn't be. I think looks scam.

I am a special needs mom and had a serious emergency. As a special-needs parent at times you are call to school several times a week. Situations like this and having no support can make it hard to keep a job and can make people desperate in some situations. I went to One Main, I put my car up as collateral. I borrowed $3000 and then ended up having to borrow 3000 more in 2019. I got so tired of the calls that I finally ask the agent how much have I paid over the last five years. She said $14,000. I nearly fell on the floor. That’s a down payment on the house. Do not work with One Main.

I wish I could give negative 5,000 stars. I was told that my application was approved, and they just had to ask a few questions. Then they denied it after doing a hard inquiry. Damaged my credit score for nothing. I would definitely not recommend.

ONE MAIN FINANCIAL IS NOT A COMPANY THAT IS TRANSPARENT. The company will send out solicitation letters for Consolidation loans- ONLY to offer Debt Programs in which they make financial gain off of people who are already struggling with credit issues. I did not contact this company. This company solicited me without being honest or transparent about their motivation for financial service. Consumers please be aware that there are other programs and companies available that are forthright and have honorable business ethics. One main financial is not one of them. And they have salesmen/women hard sell with insults to frighten consumers into accepting their services through fear and embarrassment- NO SIR- NO WAY!

Unfortunately, I felt like it was more of a bait and switch than an honest lending firm. I thought because I went through Experian, it would be valid. First, through Experian, I filled out a pre approval application then put in an amount and it said I was approved. I wish now I had a picture of each step. Then they wanted all my information which I felt was reasonable since I was approved for the amount I was interested in. I’m in a bind and didn’t have any other choice. It required a 20 phone interview. That’s when my heart sunk and I realized they were just a predatory lending business. The gentleman was very nice, but started by confirming that I was applying for $35,000! I said no that I was applying for $8,000 unsecured.

I have been paying a truck loan for 4 and half years and it was financed for 5 years. The loan was originally 16000 and after 4 and half years it was still 11400 to pay it off. Stay far away from the Anderson SC branch. That woman there is something else to deal with. So unfortunate that I'm going to have to let them get the truck. It will take another 5 years to pay it off. I just hate the way they doing honest people that are trying to do right but you just can't with the group at the Anderson branch. STAY AWAY PLEASE.

These people are criminals. Received offer from them via Upstart. Accepted. Then they changed terms/conditions. Wanted security for loan. I refused. They disavowed all knowledge of Upstart partner relationship.

I would not recommend this company - I applied for an un-secured loan and was approved - at the last minute, they wanted the loan to be secured. To be told one thing and then do another is unprofessional.

We recently fell into hard times, so we no longer are able to make payments. So we went to a debt consultation company to handle our financial problems. We contacted one main to tell them our situation. But now they keep calling us about 4 to 5 times a day. So I guess they think we buckle under pressure and magically have money to pay them!

I wish it could be zero stars because this is a horrible company to borrow money from. When my husband lost his job back in June they said they work with us. They said, "You can do 4 deferments and then January you can refinance so you can afford your payments while only living on social security." Well January came and they, "Nope we can't do it," mind you we NEVER missed a payments. Our records was clean. SOOOO PLEASE DON'T USE THEM IN YOUR TIME OF NEED. They lie about everything and they will not be there for you. I DON'T WANT ANYONE ELSE BEING SCREWED LIKE WE ARE. THEY MAKE PROMISES THEY DON'T KEEP. DONT TRUST THEM!!!

They structure their payments so that almost nothing goes to principal if you make the normal/requested payment amount. If you have a loan with them, I highly recommend paying at least 25% more per month than they ask for. They certainly come through in a pinch though, when others may turn you down for low credit score.

STAY AWAY. OneMain Financial is an absolute nightmare to deal with. They’ll tell you your approval odds are outstanding, ask for an endless list of documents, make it seem like you’re “almost there”… And then suddenly change their minds for no reason whatsoever. They repeatedly ask for the same documents over and over, as if they don’t keep track of anything, and then have the nerve to accuse you of lying. The representatives are rude on the phone and treat you with zero respect. They truly do not value their customers. Do yourself a favor and don’t do business with OneMain.

As the other customers have stated, "RUN" from this company! The service sucks at the Avondale Az location and they are rude! When it's time to pay off (paid in full 12/1/25), my loan was more than what was listed. The app states one amount when I called to pay it off, it was a TOTALLY different amount 759.71 app state 263.45. I paid the DAMN amount and said your company sucks, reported them to the Better Business Bureau. I have 2 other personal loans with Navy Federal and USAA credit union with an amazing interest rate. Please utilize the credit unions or your bank RUN from One Main and others like them. I didn't want 803 credit score affected by this sucky company, so that's why I paid the amount.

RUN!!! I was never late so I asked them when my loan was done and they told Aug of this year. So the September they took out a $45 payment. So I reported it to my bank and then they said it was a returned payment in 2022 which was lie so my bank returned it to me. Then my credit score was at a 620. No it’s in the low 500. I’ll never do business with these crooks ever again…. They already overcharged me for my loan. The only reason I remained was because I needed the money but never again. I’ll live on the street before I deal with them. Ridiculous!!!!

Real bad services. Do a loan in one main finance. I'm a customer for many years but this time treat me and the services is real bad. High interest. They have new people there. They don't know about good customer services

They were very easy to deal with when applying for a loan - now I want to pay it off - not so. Can’t reach a live person in my local branch so tried calling the main office and I couldn’t understand the person who answered the phone. Extremely frustrating

When I first received my loan it was because I needed to get my vehicle repaired. The agent in the Warner Robins branch told me about an auto plan that I could purchase that would cover a percentage of future auto repairs. In selling me the product, the mentioning of the coverage only lasting one year and not the duration of the loan was never told to me. It came across that as long as I had an open loan with them I would have the coverage so I gladly signed the loan docs and added the coverage. Well fast forward when I had to get a motor done on my car, I called to file a claim and at that point was when I was told that the coverage was only good for a year.

ONEMAIN FINANCIAL totally wasted my time and too insulted my character. After being preapproved for the loan and too via their process, arriving at the point of signing, suddenly there was a bait and switch and a attempt to insinuate I had engaged in fraud. They alleged my credentials and documents were somehow falsified and/or doctored, yet without proof of such allegation. How absurd!