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OneMain Financial
Overall Satisfaction Rating
1.96/5
  • 5 stars
    17
  • 4 stars
    3
  • 3 stars
    1
  • 2 stars
    7
  • 1 stars
    70
Based on 98 ratings submitted in the last yearSHOW RATING DISTRIBUTION
Need a personal loan company?

    OneMain Financial

    ConsumerAffairs Unaccredited Brand

    OneMain Financial, formerly Springleaf Financial, has been in the lending business for over 100 years. We are committed to serving our customers' unique situations and are dedicated to treating them with the respect they deserve.

    Our experienced team has serviced 10 million customers and over $120 billion in loans. Let us help you take control of your finances!

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    2924 OneMain Financial Consumer Reviews and Complaints

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    Verified Reviewer
    Original review: July 22, 2018

    I was very impressed with OneMain Financial. Their team took care of my loan needs quickly and with a very pleasant and professional attitude. I never once felt judged for my situation and was treated with respect. I would definitely recommend this company to anyone needing a loan!

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    Verified Reviewer
    Original review: July 14, 2018

    Being in a hard spot I had to get a loan. With 42% interest I wouldn't recommend this place anyway. One of my friends was also in a hard spot. He asked where I got the loan. I remembered that they told me if I recommended someone I would receive $100. Do you really think they gave me that money? If you guessed no you are exactly right! The guy Garrett told me that I would get it after asking about it, so I waited a month never got the money so I called again. This time I spoke Hector the manager. He was very unfriendly from the start, put me on hold to figure out how to get around this issue that was in front of him. So he gave me a bs story why he couldn't give me the money. Bottom line don't use this place for a loan. Go to Avant. They are much nicer and will give you your reference money.

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    Verified Reviewer
    Original review: July 13, 2018

    So far has been a pleasant experience with them, friendly, professional, and thorough. They gave me the loan when both of my financial institutes turned me down, my score isn’t perfect but my record with them is perfect. Therefore I would like people to know if they are turned down by others to give them a try. If anything happens in the future I will update this review.

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    Verified Reviewer
    Original review: July 12, 2018

    I applied for $5,000 through Credit Karma because my chances of getting approved was “excellent”, I did get approved for $6,800 and was told to send in documents. I sent in everything that was required, then I was told to send in a couple more documents by Nate that was handling my case and that he would be able to get me closed out afterward. A day later I couldn’t even get in contact with Nate and had to deal with other reps and neither knew what to do. They said I had to do security questions, then they say I didn’t have to do security questions, then the questions wouldn’t generate for them. I was told to send in a W2, social security card, or one more other document (I don’t remember what it was) that shows the last four of my social security number.

    I sent in a copy of my social security card that I had in my files, as my social security card was ripped in missing a number, and I sent a W2. So I sent in two of the three when only one was required. I was then told that I couldn’t use any of those documents and that they need to see the actual blue social security card, not a copy or a W2. (I took a screenshot of what was asked of me online for uploading documents.) And what they was asking was different from what the online uploading the documents part was asking.

    I sent document after document with no hesitation and was told they would send it in and that I should be fine with the copy of the social security card and will be able to sign my loan agreement within the next couple hours. I called back after 4 hours and put my last 4 in, then the automated system told me I was denied, which was a shock to me because every other time I called, it kept saying that my application is almost complete. I just want to know who dropped the ball in my loan application process? How do I go from being approved for an amount larger than I asked for to being denied and no one can tell me why? Then when I asked for a supervisor, all of them all in a meeting and no one can help me. Very disappointed, and to think I turned down Avant because I “thought” the reviews were better for OneMain Financial, lies...

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    2 people found this review helpful
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    Verified Reviewer
    Original review: July 9, 2018

    They did a rush job on me and by the time I started paying (I haven't missed any payments anywhere) after 2 years I pay 124 in interest and 126 in principal. No they won't return phone calls and honestly I would think that their practices are just barely legal. They are the most undesirable company I have ever worked with and I advise EVERYONE here and those I talk to to avoid them at all cost.

    3 people found this review helpful
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    Verified Reviewer
    Original review: July 6, 2018

    They may have an offer in line for you, but it's most likely "conditional," so as soon as you call to finish up the application they'll force you to finance more or deny you. For example, I just wanted a $5000 loan to consolidate credit card debt and they saw that I owed $30,000 on my car, so the "condition" was that I MUST finance $35,000 or no loan. This was AFTER pulling my credit, being "approved for a small loan." Be VERY careful and honestly don't use them if they can't tell you the truth upfront.

    8 people found this review helpful
    Verified Reviewer
    Original review: July 6, 2018

    This place needs to be checked out. They approve you on the phone with the 800 number. When you call the office they tell you that you been approved and when you go in person they tell you that you haven't been approved, they ask for paperwork for what -they still going to denied you. You have to call them like 10 time for someone to answer and get information. They are a waste of time. They're no help and they full of **.

    6 people found this review helpful
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    Verified Reviewer
    Original review: July 5, 2018

    I had a previous loan with OneMain when my AC went out. (In the summer in South Texas not good!) OneMain helped secure me a loan to pay for the new AC. Then a financial burden struck my household and I was at risk of losing my home... Once again OneMain came to the rescue and helped save my home from being foreclosed on. They always are there to help me when a crisis hits our household. I don't know where I'd be without OneMain Financial!

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    Verified Reviewer
    Original review: July 5, 2018

    The staff was very helpful and getting the loan was easy, I just wish the interest rate wasn't so high. I will use OneMain again but only if the interest rate comes down, now that I have been a customer.

    2 people found this review helpful
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    Verified Reviewer
    Original review: June 30, 2018

    I am a current customer and a financial crisis came up and I could not make my payment one month. They worked with me and refinanced that month within a few hours. That helped out so much for me. Thanks guys.

    2 people found this review helpful
    Verified Reviewer
    Original review: June 22, 2018

    I hope someone can find this review helpful. If you are considering taking out a loan from OneMain don't do it, you will be paying it back triple. I made the huge mistake of taking out a loan from them but never again. I don't recommend them to no one.

    28 people found this review helpful
    Verified Reviewer
    Original review: June 21, 2018

    I was in need of getting a loan to pay other credit card debt in order to lower my monthly combined credit card debt. OneMain was able to secure a loan for what I needed within a few hours via phone. I didn't have to make multiple trips to them nor jump through any hoops. They were knowledgeable and polite. I left there not feeling like I made a big mistake. I'm on my 4th payment and there have been no surprises. I feel confident I would use them again.

    2 people found this review helpful
    Verified Reviewer
    Original review: June 15, 2018

    They helped me get a personal loan when I was in a pinch. Everyone I worked with at my local branch was helpful, professional and explained the process in full. Overall, very happy with my experience and I would definitely recommend OneMain to anyone searching for a loan.

    3 people found this review helpful
    Verified Reviewer
    Original review: June 15, 2018

    As a repeated customer and always paying on time, I sought another loan and was told they would NOT reduce my interest rate. This shows me that they are driven not to service great customers and so I went elsewhere and got a loan. Can't wait to pay off my existing loan and never will go here again.

    9 people found this review helpful
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    Verified Reviewer
    Original review: June 15, 2018

    OneMain has taken good care of me. I needed 6,000 and they offered me more than that. Gave me insurance that fit my need not theirs, and monthly payment I can afford. I hit on hard times, so they refinanced me with a lower interest rate. My payments come right out of my account, and I don't have to worry about late payments or fees. Because of them, they have helped raise my credit score, and I always have an agent to answer any questions on how finance work. But the decision are my choice. So I am happy.☺

    7 people found this review helpful
    Verified Reviewer
    Original review: June 4, 2018

    If you get behind on a payment, instead of just calling your personal phone number, they CONSTANTLY call your employer phone to which has caused me to get fired! Do NOT get a loan with them unless you want to have a constant headache!

    19 people found this review helpful
    Verified Reviewer
    Original review: June 1, 2018

    You borrow x amount of dollars and as soon as you pull your credit to check anything you will see that they tacked on ALL your interest that you will pay for the full term of your loan. Doesn’t matter that you will pay off your loan in less time either. They don’t seem to care how they affect people’s credit. Not cool when trying to buy something else. Debt to income ratio is now all screwed up so good luck getting any other type of loan. Borrowed $7500 and in only 6 months of paying my payoff is now $8500 and I’ve already paid them over $1500. So in a quick 6 months they have already profited over $2500. Think long and hard if this company is someone you really need to borrow from. And FYI my credit isn’t even bad. Hate to see what they do to people who do have bad credit.

    38 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: May 30, 2018

    I applied for a personal loan and had to send all my documentation several times before they eventually got it (after I called the Executive Office to complain). I sent everything that was required with phone numbers to verify. They finally said they received all that was required and I was eligible to borrow 1750.00. I told them I was only borrowing 1500.00. Then they said something about buying insurance. I declined. The short of it all 30 minutes after I complained of their handling of my information I was denied the loan after being told I was eligible. This is the worst company. I have never felt so humiliated in my life. Nor have I ever been treated like I didn't have any sense. You're better off with a payday loan. Please do not use this company.

    17 people found this review helpful
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    Verified Reviewer
    Original review: May 30, 2018

    Received a letter stating, I was prequalified for a loan up to $10K... I have received these letters before, & applied, but due to my low income, high credit card debt, & just a FAIR credit score, was always denied a loan in minutes... but not this place... I accepted their "offer" online, & got a call from a gal in minutes. She took ALL the info from me, that a company would need, but then asked if I will talk to someone at my local branch, & I was transferred to him, who asked me the same questions over again..Said he would call back in 30 minutes with a decision. Never heard from him again. Another guys calls, to ask more questions, I explain about the second guy, he says some, WEll just to make a short story long, it took them 2 days, & 5 people to tell me I wasn't approved. Their employees need more training.

    16 people found this review helpful
    Verified Reviewer
    Original review: May 29, 2018

    If I could go be negative rating I would. Received a call stating I was approved for $13k in an unsecured loan. I had to stop in at the office to sign the documents and pick up a check. Naturally the man named Dre said underwriting couldn’t get the loan approved. What do you mean you said it was already approved. I’d like my check and I’ll be on my way. Dre comes back 15 minutes later stating they would go be me $3850 at almost double the interest 33%. I told the man there is a sucker born every minute. Demanded all of my paperwork and everything I signed to take with me.

    Just a sad situation these people prey on persons in need. I would have rather been told, "No we can’t help you," on the phone vs taking time from and drive by over. Scam is the best way to describe this outfit. I’d never recommend an institution like this for even my enemies. Save yourself time and headaches by not using this predatory lender. Anyone who says they had a good experience was either paid or is an employee proving false statements.

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    26 people found this review helpful
    Verified Reviewer
    Original review: May 29, 2018

    I had gotten a loan with OneMain at the time our credit score was not all that great. I paid on time all the time. After our score got to be much better I refinanced. The interest was higher than the first time. I called today and ask if I could get the interest rate lowered and she told me it was because of the plan I choose. First off I didn't chose any. They just gave it to me. I ask for a manager. She said she could help but done nothing. I told her that she must not care about the clients that use the services there and was unwilling to help. I know for a fact that if I call a company that I can get the rate reduced and pay through the company and not affect the credit score. Why are the people that work in the office such **?

    15 people found this review helpful
    Verified Reviewer
    Original review: May 29, 2018

    I applied for a personal loan on May 27th with OneMain, and received an automatic approval for $6,000 upon meeting the following conditions. "Verification of your identity and address, Verification of your monthly income and review of your expenses to determine the loan payment fits your budget according to our lending guidelines. The value of your motor vehicle to be used as collateral is sufficient according to our guidelines (secured loans only)."

    I submitted all necessary requirements and on 5/29, I received a phone call from the Babcock Blvd. office in Pittsburgh, PA. requesting additional information. I've never missed a payment on anything and have been paying on my car for 3 years now. I was denied after ALREADY BEING APPROVED for not having enough equity on my car. ARE YOU KIDDING ME? HOW ARE THEY ALLOWED TO DO THIS? The fine print is a joke. I should've never been approved if that was the case. I will never look into doing business with these people again and I definitely will not recommend. It was a waste of my life and their approval status is FALSE.

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    18 people found this review helpful
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    Verified Reviewer
    Original review: May 21, 2018

    I am fairly certain that the good reviews are fake and paid for. I should have listened when I read the reviews stating that they are unreliable and unprofessional because that is the truth. Gregory called me basically saying it was a sure thing with my loan. I had to give him a few other pieces of information then I was good. So I sent that through then like 2 days later he said, "Actually you need a cosigner and all will good." So I did. I ran around getting all of this information today for him to say on Friday "sorry unfortunately you were not approved" as if that's a justifiable reason/response for how much we've been in contact and with you basically confirming I had the loan initially.

    My co-signer has an above average credit score. It makes no sense. During the whole process Gregory was unprepared and unprofessional. Absolutely ZERO phone skills - mumbling, studdering, talking low, NEVER had the information in front of him. I only ignored his lack of professionalism because he was assuring me a loan. This is the Abington, PA branch by the way. Honestly do NOT waste your time. They recently changed their name to OneMain and I'm fairly certain it was because they had such bad ratings before and they are trying to appear like a different place. Horrible.

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    16 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: May 5, 2018

    A loan was processed in my name without my permission in the amount of $10,000. for vacation funds. I went directly to their closest office and filed a written "victim's complaint" which was faxed to their main office. I have heard nothing from them. I sent 4 emails to the address on the document; but no action. I believe they were hacked, but will not admit they have security flaws that could affect thousands. Their system does not protect us and they have not proven they even care.

    18 people found this review helpful
    Verified Reviewer
    Original review: April 17, 2018

    I already have an account with OneMain and last year I fell behind on my payments, I spoke to my local branch to explain that I was having financial hardship due to divorce. The guy asked me if I could borrow money from a friend or family member and then they would call me MULTIPLE times a day until I blocked them. Recently I was able to catch up on my account and applied for another loan and was approved for the amount I needed and was instructed to call my branch. I call and the same guy tells me they sent my account to their home office and they can't give me a loan bc my loan is in their collections.

    How could I have gotten pre-approved then approved if the company policy says I'm not eligible. He said their system doesn't recognize that info... your system doesn't recognize my SSN? Isn't that the purpose of a pre-approval/approval process??? Now I'm taking a hit on my credit and not even getting the loan I was approved for.

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    14 people found this review helpful
    Verified Reviewer
    Original review: April 14, 2018

    I applied online. Was informed would be able to do a lesser amount. Ok no problem. They called me and said could only do it with a cosigner. Got a cosigner then it changed to they wanted collateral. They told me they do no collateral but a lower amount so I said fine. It still was enough to do most of what I wanted. I spent an entire day running around getting proofs and everything they wanted. Together my cosigner went up to sign everything and they then say, "Nope. Still want collateral".

    After everything I was pissed. Talked to her and said, "Well I'm buying a vehicle. Can you use the vehicle I'm buying for the collateral?" "Sure no problem." I was told, "Get the vin and we'll see how much." Did that and was told, "Ok no problem. Can do this much now back up again." Then get a call an hour later. "Nope. Have to only use the cosigner's vehicle. They won't allow the one you're buying to be used now". So basically after a huge runaround getting everything they wanted and being told yes then it changing then yes again under different terms and no again and yes I got the full RUNAROUND FROM THEM. Would not recommend for any reason.

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    19 people found this review helpful
    Verified Reviewer
    Original review: April 12, 2018

    Was told I was pre qualify and then they run my info and now not qualify. Wow. Very disappointing. Was told they was going to use my additional income from wife but they ran her info so we both got hit on credit report.

    15 people found this review helpful
    Verified Reviewer
    Original review: April 11, 2018

    I'm not even a customer. I have never heard of them until December 2017. They called me to tell me I am late in a payment. I was surprised to hear from them. They let someone open an account, using my information. When I got paperwork, half of the information is wrong, including a signature. They sent it to a collection agency to put on my credit report. I had to contact the credit bureau. They are still calling. I may have to seek legal help. I would love to see who walked into that office that day and time using my information.

    15 people found this review helpful
    Verified Reviewer
    Original review: April 10, 2018

    I have had a loan with this company for several years, not by choice, the actions of my ex left me no choice. I have asked very nicely for them not to call me during my work hours - they are really good at ignoring that request. I am receiving sometimes 4 calls a day from them. Now they are using branches from outside the area code to see if I will answer the phone. I am dropping off a cease and desist letter today. Enough is enough. If they would learn how to look at their computer, they would see the payment is set up off the website. March 20th 2018 – 4:27pm. March 21st 2018 – 10:55am. March 22nd 2018 – 10:31am, 3:45pm and 4:42pm. March 23rd 2018 – 12:14pm, 1:57pm, 2:02pm, 4:04pm. March 24th 2018 – 8:30am. March 31st 2018 – 8:53am, 9:59am, 11:42am, 12:20pm. April 2nd 2018 – 11:08am. April 6th 2018 – 12:20pm. April 9th 2018 – 11:11am, 1:13pm, 4:40pm. April 10th 2018 – 10:03am, 3:42pm.

    What part of do not call me during work hours do they not understand? Perhaps I should try a different language. This is a perfect example of crappy customer service from a company who doesn't give a rats ** about the customer. This is also the perfect example of harassment, which even debt collectors are not allowed to do.

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    22 people found this review helpful
    Verified Reviewer
    Original review: April 10, 2018

    Unless you are hard up for money, be very careful with these guys. I know my credit isn't the best, but it is better than a lot of others, they offered me a $13k loan at 38% interest for 6 yrs, I quickly did the math, even doubling up on payments which I could, I would be paying more in interest than the CC. I turned them down right away as I can make the payments just fine the way I am doing them now, would have been nice just to clean it all up. Today I got an email from them saying after consideration, they cannot fund my loan. They are sharks!!!

    23 people found this review helpful

    OneMain Financial expert review by Barbara Friedberg

    OneMain Financial has been in business since 1912. In 1998, their parent company, Travelers Group, merged with Citicorp and created Citigroup, a global financial services company.  In 2011, after many acquisitions, the company became OneMain Financial with 2,000 branches across 48 states.  This personal lender combines a variety of lending solutions with a comprehensive website complete with financial education articles, calculators and tools.

    • Loan amounts: Loans range from $1,500 to $15,000, and the maximum loan amount varies according to state.

    • Secured and Unsecured Personal Loans: OneMain offers both unsecured and secured personal loans. The secured loans may offer lower interest rates. The interest rates are fixed for the life of the loan.

    • Flexible payment options and no prepayment: OneMain Financial allows borrowers to choose the date they make their payment and the method by which they pay - online, by phone or in person at a branch. There are no prepayment penalties when the borrower repays the loan early.

    • 14-day guarantee: OneMain offers a 14-day risk-free guarantee; in other words, a borrower can cancel his loan and return the money within 14 days without penalty.

    • Hardship assistance program: The company has a program in place that helps borrowers who encounter a financial hardship and cannot repay their loan.

    • Community involvement: OneMain Financial shows their generous and community-minded philosophy by getting involved in many community service endeavors, as well as providing financial education throughout the U.S. for both adults and kids.

    • Best for: People looking for an extensive library of information as well as loan options to refinance debt, fund financial hardship such as excessive medical bills and help with expensive home repairs.

    Profile picture of Barbara Friedberg
    Barbara Friedberg

    Personal Finance Contributing Editor

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    Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.

    OneMain Financial Company Information

    Company Name:
    OneMain Financial
    Company Type:
    Public
    Ticker Symbol:
    OMF
    Year Founded:
    1912
    Formerly Named:
    Springleaf
    Address:
    NTBS-2320 6801 Colwell Blvd.
    City:
    Irving
    State/Province:
    TX
    Postal Code:
    75039
    Country:
    United States
    Phone:
    (877) 550-6246
    Website:
    www.onemainfinancial.com

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