OneMain Financial

OneMain looks for the best choices for me with payment options. I call and tell them what I need and in the same day they are calling me back with options for me. I love the "small town" atmosphere with them and how they assist me.

Hello! I'm from Jacksonville, FL and this is my personal view of One Main Financial. I found One main financial through CreditKarma.com. Since then I have acquired 2 loans so far, both of which have been paid back in full. The approval process is of course very easy, NO pain whatsoever in the experience. The entire process can be done online, over the phone, or in person. You won't be examined or questioned on every little mistake on your credit report. Once approved and all the final paperwork is completed the loan is deposited in your account fairly quickly.

They made my experience very smooth, easy and worked with me to get the loan approved. Best experience ever with a lending company. I will go back again if I ever need another loan. I highly recommend contacting OneMain Financial for all of your Loan needs.

I was a previous customer of OMF and was a victim of their predatory lending tactics. I had a original loan I applied and got approved for and not even a year later they will offer you another loan to wipe out your first loan. Do not believe the pros other than you getting the money the same day when you meet their qualification standard. I paid 2 loans off and as a returning customer my vehicles was too old for collateral for my 3rd loan during Covid and yet my loan the first time around was not unsecured. High interest rates they will hit you with regardless of credit.

Don't waste your time. They are loan sharks. Go somewhere else to get your loan. The staff are rude and I was glad to finally pay it off. They are continuing to solicit a new loan. Hell will freeze over first!

I was falsely manipulated into applying for a loan. The agent never explained that my car would be refinanced. I specifically asked did collateral mean refinance and was told no. After completing the application I was approved for a REFINANCE LOAN and had no idea. I feel used and deceived. I would had never agreed for a 12000 refinance loan knowing I owe 11000 dollars on my car. This is terrible. Please do not get scammed like me.

If I could give OneMain Financial a negative star I would. I started an online application on 7/31/2020. After being approved for $11,000 with a co applicant, I started the document verification process with Erica. It was deceptive and an unprofessional process from beginning to the end. I even had to escalate the complaint to Corporate. From claiming she didn’t receive my documents, to telling me AFTER we were approved that the co applicant had to live at my residence (without also providing me with a copy of that policy because it is NOT listed anywhere on the application or the website) to flat out lying. Also changing the approved amount. Very suspicious to me.

This is my only source of debt. I renewed/refinanced at the beginning of the year. I was signed up for automatic debits on the 5th without my permission. One came out and I overdrafted, I got a big fee from my bank. So, I called in and asked to be taken off automatic debits. The rep said ok, but it only worked for that month. The next month I was in the same situation, big overdraft and fee from my bank. I called in again and scheduled payments on the correct days through October. It worked for 2 months.

I was pre-approved and inquired about a loan. I was told it would not be a hard inquiry on my credit report and I just wanted to talk about my loan options. We tried to call each other a couple of times. I kept trying but every time I reached someone I got the run around and then was never called back. Then all of a sudden they deny when I hadn't even thought I had made an official inquiry. They hadn't even discussed their pre-approval with me. Then I see there's a hard inquiry on my credit report. They lied! I'm pretty upset as it's now definitely not helping to have an extra ding on my report when getting a home mortgage. Especially when I was told that wouldn't happen. ????

I have been a customer of OneMain for 4 years now. I refinanced a vehicle with them and got a cash out loan for an additional 10k totalling 40k. I'm down to 12k left to pay and pay $650 per month. I have never been late and never missed a payment. As a matter of fact, I over pay every month by paying a steady $175 per week to my loan. In 2018 I went self employed and my CPA does what all accountants do, keeps my taxes low as possible. Last week I applied for a loan reduction to reduce the amount on my vehicle note. I figured they could lower the payment and I would still pay the same and get the vehicle paid off quicker.