OneMain Financial
(866) 816-5722
toll free
Call now for more information

OneMain Financial

(866) 816-5722
toll free
Call now for more information

Consumer Complaints and Reviews

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Verified ReviewerVerified Buyer
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Me and my husband have been a client for a while now. Springleaf have always been there to meet our needs. They are so professional in what they do. They love to help in any way they can. We so love the staff. I will always return again and again if we need to.

125 people found this review helpful

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I applied at the Machesney Park Illinois branch through Angel and she pretty much guaranteed me the loan and she hasn't called me since the application was submitted. Horrible customer service and you shouldn't tell someone you are going to get approved and never call them.

2 people found this review helpful

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I applied for a personal loan at the end of June through the online application. Was "approved" within minutes. Was supposed to be contacted within 15 minutes by a "personal loan specialist". The day came and went and heard nothing, so I went down to a branch. I came prepared with ID, SS card and a month worth of pay stubs. When I walked in it was as if I was bothering them, totally unprofessional. Gave them pay stubs, and loan person said I was only conditionally approved. Never heard a word back as days past. Every time I called the person I was working with always had something better to do than talk to me.

The receptionist there was the rudest most unprofessional person I've ever spoke with, when I pressed to speak with someone, she basically told me they were too busy and they'd get back to me when it was convenient for them. Week and a half goes by and I finally get through to someone who will answer my question. Turned out my application was denied because I couldn't prove my income! Even after they send you a misleading email telling you you're approved, and after never returning phone calls and emails after sending you an email telling you to call them to ask you questions so they can get you final approval! I was denied although I had pay stubs but because I receive a commission as part of my paycheck, they can't count that, so they said I couldn't prove my income.

Even though I am guaranteed a minimum commission and had proof with my RSR contract that I signed with my company. The woman tried to help me by reopening the application, and resubmitting the pay stubs with the company contract, but these uneducated ignorant fools that work there could not comprehend my pay structure. Long story short, almost a month of my time and life were wasted by this incompetent and misleading company. I put up with it because I thought they were my only option because I had taken out a very small personal loan of 1000 within the past 12 months but have a 710 credit score. In the end I filled out an application with Prosper on a whim, and it turns out I was approved for more money for a 1/4 of the interest rate these crooks would have nailed to a cross for.

All the same information I gave One Main I gave to prosper and all I had to do was have a 10 min conversation with their representative and he FOUND a way to make it work for me. The process took a total of 3 business days and the money is on its way. The best thing that ever happened to me was not getting involved with One Main and its poorly trained, unprofessional joke of a "loan specialist". Avoid these people like the plague and go deal with professionals at Prosper or LendingTree if you go the inline route... Thanks for nothing One Main, so happy it didn't work out.

8 people found this review helpful

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I had a personal loan with One Main Financial and went to the location in St. Louis Park on Minnetonka Blvd. I had horrible experience with this bank. They went and took double payments when they not supposed to and the branch manager, Meryl ** was very rude and disrespectful. This is the worst consumer service I have ever experienced.

5 people found this review helpful

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New person without proper knowledge taking care of public. First she called stating I've got approve... Then informaciĆ³n the Office she stated she overlooked my earnings And I was Not qualified... Wtf... really??? Wow so much for business.

5 people found this review helpful

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The staff at OneMain was very helpful in meeting my financial needs. They were very respectful and polite. I did not once feel like I was being judged because of my financial situation. I will definitely be doing business with OneMain in the future should I ever need assistance again.

2 people found this review helpful

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This company is a wolf dressed in lambs clothing. You think that they're the only ones you can do business with, and then upon approval of a loan, that they are saviors. However, they fail to mention that any loan with them is "pre-computed". This means that no matter when you pay the loan off that you're gonna have to pay, upfront, interest on all those months financed. They act super nice and wizzing you through the paperwork, while talking like your best friend. However, when you realize what they're doing, they act oblivious at first and tell you actually borrowed that much, but you didn't borrow but a small fraction compared to the amount due. Then in my case I called back again, after the oblivious ignorant loan officer at first. Then I'm told to basically suck it up and pay it.

Whereas I had only borrowed, $3500, if I paid in installments until the end I would've owed a little over 9k. But they said they would cut me a deal, and I wouldn't even owe the 9k that day. They said I owed $6500, and keep in mind this was only on an actual loan amount initially being $3500. So, now I had to refinance it with a bank institution, and finance an extra $3k, just because of having a pre-computed loan with them for only 6-7 months. With them, you will pay the interest for every month that the loan was written for; not every month you had your account open... no! Interest you will pay is all calculated plus fees, all at the front of the loan. Not to mention, all that ridiculous interest is what you will pay on for the first couple/several months; therefore, making your principal loan amount, to not change much amount all.

30 people found this review helpful

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Loan paid off and they took my reward points when I tried to use them. Called customer care services for help, gave me the run around. Still waiting for my points for 3 months. No good. Bunch of fools over there.

7 people found this review helpful

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I received an email from One Main Financial and decided to give it a shot. Filled it out online and was approved. They sent me the phone number and address of the office in Newberry. The guy actually called me the following day and took some information from me and told me he would call me back in 30 minutes. He called me 2 days later like we hadn't spoken at all. He didn't remember talking to me. Not someone I want to do business with!

7 people found this review helpful

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I have a line of credit that I paid off last year. In February, I got a $50 activity charge. So, I decided to use my line of credit to pay off some other debts. I called customer service because I did not have any checks. I was told they would send some out. After 2 weeks, no checks arrived. I called again and was told my request was rejected because I still had unused checks. No one notified me of this. I told them I did not have any checks. They told me they would have to send me a form that I would have to fill out, then I could get checks. I decided it was not worth the hassle, so I asked for my $50 activity fee back and to close my account. They said they could not refund my activity fee. Just seems like a ridiculous company - there are much better products out there.

9 people found this review helpful

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They approved a loan but needed car title to secure part of it. I had to get title put in my name. They told me I could go ahead and get unsecured part of loan then, and get the rest after I got title back in my name. I needed entire amount of loan. They told me several times that the loan amount was already approved and there would be no problem getting part now and part later. Then, after I paid to have title put in my name, they denied me the rest of the loan. Screwed me over big time. I'm worse off now than I was before them. DON'T TRUST THEM. THEY LIE AND TRICK YOU INTO LOANS NOT WHAT YOU NEED!

15 people found this review helpful

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OneMain Financial, formerly Springleaf, is no better than those payday loan places-the rates they charge are astronomical. If you are one day late on making your payment, they will harass you with repeated emails and phone calls, simultaneously, and then they report you to the credit bureaus - they truly lack customer service. I picked up a second job so that I could pay them off. The money was deducted from my checking account immediately, but they claim it takes forty days before I can receive proof of my payoff. I will never borrow from them again!

38 people found this review helpful

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I received a letter saying I could get 4,250. Called to ask guidelines, was told had to fill out application, so I did... Was told my income was fine. I don't have a house payment. So after I applied, like I said they offer code and rep gave me the it's really a formality. I didn't want the amount they sent me but was told to apply... So I am very disappointed. I can pay this bill. Called Basic finance and was approved. Told OneMain to not send me any offers because it's a waste of time... very misleading. I have many family and friends who go there. I just don't understand if they send you an offer... saying come get 4,250... Then you should be able to give you that loan.

24 people found this review helpful

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This company is AWFUL! I got a mailer indicating that I prequalified for a loan amount up to $15,000... I called and decided to give them a try. The purpose of this loan was to be for a real estate flip. I discussed with one of the representatives how I possibly would want a bit larger amount than this. No "program" was ever covered. After allowing them to pull my credit, I discovered that they don't make personal loans any larger than $5,000. She tried to get me to do a "refinance" of my vehicle. ARE YOU KIDDING ME??? I never told them that I would be open to any option of that nature! I should have been advised of their "policy"!!! They knew perfectly good and well of the amount I was looking for and STILL drew me into an application! DO NOT USE THIS COMPANY UNLESS YOU WANT TO BE CONNED! Bait and switch!!!! They are dishonest!!!

32 people found this review helpful

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I am writing this review based off of my service through the Santa Rosa, CA location. Do not ever use this company or their products. My wife got a loan through this company and used her car as collateral. They had her include her registration cost into the loan and said that they would pay it for her. They didn't and cost her 6 months of late fees. Then when she paid off her loan early, in Nov '16, they forgot to submit the paperwork to give her back the title of her car and we are just now getting the paperwork back from the DMV. It is April 2017. Also, they forgot to put the city of where the car is registered, so my wife needs to go into the DMV with the paperwork and turn it into them. Worst company ever. Sunny is a joke of a manager. Go anywhere else you possibly can to get money for a loan.

24 people found this review helpful

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I recently received a letter from OneMain advertising their Lending services. At the time I received the letter, I was not in need of their services. However, later I did go to their office in Aurora, CO and met with one of their Loan Officers. He was very professional and immediately took the time to meet with me and discuss my need for consolidation credit. I believe I was in the office less than one hour before everything was addressed and set up. I walked out of that office thinking, "This is the way more credit institutions should operate." I am happy with my outcome and will be back in the future as the need arises.

10 people found this review helpful

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So my question is what gives OneMain the right to change lienholder when no loan documents ever signed. I have not even been in your office. I have not agreed to the loan and told y'all to cancel the application. They do not have my authorization to update lienholder and or the original lienholders authorization. Had to call insurance company and change it back. After reading all the nasty reviews I think I will stay away from this place. Thank God I never agreed to take out a loan with them.

17 people found this review helpful

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I was happy to be treated like a valued customer rather than just another number. I feel like I could call at any time and be given the respect that a customer deserves. I am glad I decided to do business with OneMain and you will be too!

3 people found this review helpful

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Great atmosphere, great people. The people there helped me obtain a loan with payments within my means. The loan process was thoroughly explained. I was also given advice on how to manage interest payments during loan repayment.

4 people found this review helpful

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If you have intentions of paying off the loan early, PROCEED WITH CAUTION. I asked many times if there was a penalty if paid early and was told NO. Contract states "borrower will be given a refund of the unearned portion of the Finance Charge, computed by the Rule of 78's." I only learned what the Rule of 78's meant after I had the loan. It is a term used in lending that refers to a method of yearly interest calculation. In other words, in comparison to a simple interest loan, a rule of 78's loan will charge more interest if the loan is paid early. I owed more than I borrowed when I paid the loan off after having it only 5 months. This practice is illegal in many states. Unfortunately, I don't live in one of those states. It cost me over $1,000. I learned after it was too late.

30 people found this review helpful

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I went to OneMain Financial loan office in Staten Island New York. I wanted to take out a personal loan. The loan officer asked me for my income and all my assets, smh cause I never needed to go through this for a personal loan. So to make a long story short I got approved for the loan after giving up all my assets that I have. But here's the kicker instead of telling me they was approving me for a auto loan so they can charge a high percentage rate on loan they led me to believe this was a personal loan. Be careful with OneMain Financial. They have loan officers that seem like wise guys aka mob affiliated con man to handle your loans.

21 people found this review helpful

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One Main is an extremely professional company. They have exemplary Customer Service Personnel that go the extra mile to take care of a customer. From start to completion, they strive to get your loan approved to your satisfaction. They do not judge or talk down to anyone. The overall process is not complicated. The documents that are required are ones you would typically have in your home files or are readily accessible online. Their scoring system is somewhat unconventional. They use your credit report and FICO score as a means to calculate your internal score. This is what determines the final approval and interest rate.

The only negative is how they wrap a current loan you may have with them with the new loan, and adjust the Interest rate for the new loan to include the old loan. The old / existing loan may have a lower rate, but it becomes the rate for the new loan, which is conceivably a higher rate. For clarity, an example of what I mean is: Old Loan: 30% - New Loan 35%, Combined Loans Become 35%. I would recommend them because of their honesty and professionalism. They are my go to place whenever I need financial assistance.

5 people found this review helpful

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OneMain Financial saved me from going to my family for a small loan and I have since paid off that loan and opened a larger loan. OneMain took a chance on me when other companies wouldn't, including the credit union of the company from which I retired. OneMain wasn't judgmental and went out of their way to treat me like a royal customer. Now my financial situation has improved as well as my credit score and I owe it to OneMain having faith in me. I'll stick with this company for many years to come. Thanks.

8 people found this review helpful

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This is a safe place and they will help you. Unfortunately, they do not have more offices in Venice or Port Charlotte and this is very difficult to set up a day... but once you made the appointment, they are very very good.

4 people found this review helpful

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I used OneMain Financial to obtain a loan to reduce my debt. The process was a lot easier than I expected. Everyone I came in contact with was professional, very nice. They told me every step of the way what they would need and what would be happening. I got my money a lot sooner than I ever expected. Great Company, I would use them again and will refer them to friends and family if they ever need a loan.

2 people found this review helpful

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When I went to them I was trying to improve my credit score. The staff was very professional and friendly. They were able to loan me the money I needed. Since then I have used them again. Would recommend them to anyone.

4 people found this review helpful

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OneMain was very friendly. I enjoyed the customer service and the manager was nice and made sure all my needs were meet. They answer all my questions to the fullest. I would recommend them to everyone.

3 people found this review helpful

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I needed to consolidate some things and applied online that night, got a call the next morning, went in that evening and signed the loan agreement and got my money. It was that easy. It's nice to know I have someplace I can go to in times of need. Thank you One Main!

2 people found this review helpful

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I did an online application for OneMain Financial, within 30 minutes someone had contacted me regarding my loan. A few hours later I was at the branch closing on my loan. I have never experienced such a fast process. The representative that helped me was very thoughtful of my time, since she was aware I was on my lunch break. It was easy to give them 5 stars for the great customer service, the easy process. I would definitely recommend OneMain to any of my family & friends!

3 people found this review helpful

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Every time that I needed a Loan, they were there for me. I started with them as Springleaf. Rick took care of me, then Olga. Everyone in the office are so very personal and wonderful and helpful. I NEVER thought I could get a personal loan as my credit is not 700+, but Rick proved me wrong. I am so very, very happy to be doing business with them. I will tell all who need a loan to go see Rick or Olga, they are the BEST.

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I was approved by OneMain Financial for a personal loan. The branch manager went through my application with a magnifying glass. The manager verbally approved my loan and request to use my auto as collateral. For two weeks I handed into their office the information needed to secure my loan. They even placed their company's name on my auto insurance policy. I called the day before the loan settlement to confirm approval. The rep confirmed time, date and signatures needed to close loan.

When I arrived for my early AM appointment to settle, the branch manager abruptly denied my loan. I asked for his reasoning. His reason for denial was "he was not comfortable" to settle. And stated I should leave his office if I was not satisfied with his decision. And- "This was his office". This manager has poor communication skills to work with the public in need of funds and should be reprimanded for his unprofessional behaviors. This business deserves a "minus" rating. Terrible company to conduct business!!!

23 people found this review helpful

OneMain Financial Company Profile

Company Name:
OneMain Financial
Year Founded:
1912
Address:
NTBS-2320 6801 Colwell Blvd.
City:
Irving
State/Province:
TX
Postal Code:
75039
Country:
United States
Phone:
(866) 816-5722
Website:
http://www.onemainfinancial.com/