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.
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The day I paid off the loan for my motorcycle in full, I told them THAT DAY... IN PERSON... I want no more communication from OneMain Financial with the ONLY exception of in writing that any and all debts owed to them are satisfied aka paid off in full AND my motorcycle's title. It took at least 7+ weeks (and my bugging them at that at least from the 4th week onward every week) to finally receive my title and found out a local branch of OneMain was HOLDING the damn thing (obviously this was after I paid it off in fully 6-29-18... Well on time mind you). So right there, that's at least 2 stars of rating deducted. I received the first bs ad for a debt consolidation loan in August. I call up the local branch and tell them don't send me any more ads. They told me they would note in my account as such and for me to allow at least 60 days from that same day for the request to be processed and settle.
I received the second advertisement for the same crap between 61 and 70 days later. After calling the same location and asking for the head manager, I receive a polite ** female who assured me of the same thing. Give it 60 days. I said 'that's what the other person... A guy told me. What's different this time.' She tells me he must had forgotten to log my account. I tell her ok. I'll take your word for it but after 75 days from now I had better not receive any more communication whatsoever from OneMain Financial Well. Guess what? It's November 2018 and as of today, 11-13-18, I received yet ANOTHER stupid "debt consolidation loan ad" from them. Yeah... I'm calling the Better Business Bureau and filing a harassment complaint. NO MEANS. NO morons. (LOOKING AT YOU OneMain!!!)
I was looking for a personal loan and found One Main on Credit Karma (they also sent me mailers). After giving my personal information S.S. number and more, they will do a HARD CREDIT INQUIRY (which drops your credit score). I did not want a secured loan, which my bank would do for a much lower interest rate. I think they are deceptive in not telling you anywhere in the application process that they will offer you a loan if you have a Car Title. I would give a negative star if I could. I will have to settle for the lowest rating possible due to they're misleading even by omission Secured Title Loan. Very happy I did not get any further with this less than honest company.
Three years ago we transferred from overseas to a job site in MD. We incurred major debt because the Army Finance Center taxed the Travel Claim; we went to OneMain and they were rude, brash, and harassed us then and during subsequent visits and phone calls. We had just bought a house so our money was tight - we got behind in our payments and the phone rang off-the-hook. One manager even told me our jobs could be in jeopardy if we didn't pay this loan off in accordance with the contract. We were unable to pay, so they took us to court; we were unable to attend the court date so the judge ruled in their favor. My wages are now garnished, and life is rather difficult for us nowadays. I tried to work out a lesser payoff but their attorney/rep wasn't able to bring this to reality. We now pay almost $800/month including interest, finance charges, attorney fees, and court costs.
I was approved for a personal loan in writing only for a couple thousand dollars. And they requested me for verifications such as D/L, proof of auto insurance, paycheck stub etc. Which I have no problem with. When I called them, they first put me on hold for a long period of time. I had to hang up and called back again. One of the associates apologized and again she put me on hold again for another 10 min. or so...then she came back on line and said that she needed more info from me. She begin to asked for my personal information that has nothing to do with the loan, things such as life insurance, how many bank accounts, what kind of cars and “How many cars do you have, what are your cars' vin numbers”...a lot other things which I think was none of their business.
Then she turned around and said, “Oh we can't give you the loan, cause you don't have enough equity on the auto loan that you have.” I said to her that, “I am borrowing a personal loan only for couple thousands dollars. What does that do with my auto loan.” She said, 'Well, we were going to take over your car loan, and if there is some equity from it...you can use.' I said to her, 'Wait a minute, who said anything about letting you guys take over my car loan in the first place?' My existing auto loan carries only 5% interest, what kind of interest are they going to give me, taking over my car loan! Come on people, when I first got approved for the personal loan, they didn't mention any condition at all what-so-ever.
Now, they are trying to scam me to switch bank on my car loan...so I will be stuck with a high interest rate car loan for a few years, in order to get couple thousands dollars out (Cause it is a brand new car after all). Are they out of their mind! Besides, I have a luxury car that is all paid off. If OneMain Financial cannot afford to loan any money out, just tell people so...why waste our time! Just to rip off our personal information so you guys can sell it to others. Big Big Scammer this company is. I will report this to the State Atty General, and all concerning gov. departments. A big waste of time.
I was able to refinance and save me some money and paid off my loan with them. On 10/9/2018, I called and got the payoff amount. I went into their office on 10/19/2018 and was told they still have not received payment, but I should still make my monthly payment to make sure I would not be charged a late fee of 20.00. I made the payment of 300.00+ and I checked my account on the following Monday the 22nd and it showed they processed my payoff check and my monthly check on 10/19/2018 even though they said they did not receive it.
Now I have to wait until 11/6/2018 to get my refund of 300+. Why do I have to wait that long? I paid with a debit card and they received the money that day. It is not like they have to wait for a check to clear. I received something in the mail from them to refinance and was told I needed collateral again, but my score went up, but the value of my car went down. I ended up using someone else and got 7% lower plus did not have to use collateral. Use them with caution.
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OneMain Financial In La Puente CA 91744. Hi My name is Mario **. My balance was $12,335.04. I ask for a payoff and they told me it was $12 585.84 for Oct 14, OK, my payment was due on the 15th of Oct. so I called them and told them I was not going to make my monthly payment because I was going to pay off the loan by next week the Wednesday 24-or Thursday the 25th of Oct, I got a loan from credit union and to pay off the loan, Credit Union send $12,708 to OneMain Financial because that's the amount that I applied for and One Main Financial refunds me $28.39. Isn't a payoff a pay off of total amount???
I had a great first initial relationship with OneMain until my payments each month had problems. One month they’d take it out of my closed acct that I specifically asked to be removed and they charge me loads of returned check fees. The next month they wouldn’t take it out at all and I would get another fee. The service is horrible and no one can seem to get payments right. Save yourself the stress.
Applied for a loan online. Told I was approved and to just submit certain documentation for the qualifications. I did that, and then no response, so I called the next day. They said they needed my husband on the loan, because of the income I claimed, so I added him to the loan. And now no feedback, if I am not approved I am fine with that, but let me know. A phone call or an email takes two minutes.
I didn't submit the complete app but OneMain pulled my score and gave me a denial. I don't understand why they spend so much on advertising but don't actually want to loan money at such a huge interest rate.
APPLIED FOR JUST A 13 K LOAN, I HAVE EXCELLENT CREDIT, FICO SCORE IS 767... THEY WANTED TO CHARGE ME 34% INTEREST! I TOLD THEM TO get bend and to cancel my application. I knew they were shady when I kept asking the rep what is the interest rate and he kept avoiding the question... Then he passed me to someone else, a real fast talker, he kept asking me to verify info and then asked me if I had a life insurance policy and how much? I told him, "None of your business" and again, "What is the interest rate"? Don't do business with this company, they really need to be shut down!!!
Applied for a loan that said I was approved. Submitted all information needed only to be called to inform me that they couldn’t approve my loan because my vehicles didn’t have a high enough value! I own 5 cars. 2001 Mercedes, 1997 Mercedes with only 60,000 miles and a 1998 Dodge. When they called I was just informed that they couldn’t process my claim. Waste of my time. So I did a title loan just on one vehicle for 1,250. Would never refer anyone to go here! Waste of my time.
I was solicited by email suggesting that I check my rate without harm to my credit score. After requesting a small amount I was approved for that amount and much more. I provided all of the information requested including accurate income details. I was approved but required to jump through time consuming hoops after agreeing to a credit score damaging hard pull of my credit report. After they received verification of exactly what I had reported they withdrew approval and declined any loan. Total waste of time and a scam.
I got the extra money I needed unsecured. When I got to closing I was explained my loan. Had I known I was getting the interest rate for unsecured loan I would have secured it. But when the branch is an hour away and you need money ASAP. You have to take what they offer at the time.
OneMain was what I needed to get a loan and help my not so great credit score. I knew going in I was going to pay high interest for a loan from any loan agency. OneMain's Melissa was great to deal with. She told me upfront after reviewing my credit score a loan is possible but will be costly. We went over all of the conditions of the loan and she answered all of my questions. I have used OneMain twice and very pleased with the results.
My initial experience was a positive one, I was approved and funded for a loan well above what I needed. Down the road, all my payments are on time and I've paid a little extra every month and I find myself in need again. I'm prequalified, call the branch office where the agent who helped me stressed over every little derogatory thing on my credit report - much better than when I first took out my loan, tells me to try again in a few months if I still need additional funding. Prequalified again a few months later, payments still on time, still paying extra... same scenario as previous time. My plan is to pay this loan off asap and not do business with them again. Thanks for helping me initially take responsibility for cleaning up my credit report a little.
Completing my loan application was a great experience. I rec’d my requested amount in my bank a/c with 24 hours. The loan reps. at One Main made the application process very easy and stressless. AAA in my mind and I’d recommend One Main Financial for anyone!!!
When I applied for a loan through OneMain Financial, I was offered a plan called Auto Plus. I was told that it provided legal services in addition to towing and travel, etc. I told the loan officer that I was going to move soon and anticipated problems with my crook of a landlord. He said, "Sure,just give them a call at the 1-800 number and they can help you with that." Turns out, my landlord isn't the only crook out there! I called when I needed legal advice and was told by the person at Auto Plus that it is only legal services related to my vehicle! I had been paying for this service and it is useless! I would say to everyone, do not do business with these people because they are liars outright! You will be promised the moon and get nothing!
I asked for 7000 $ to pay off my debt and provided them with all kind of documentation, such as proof of income, bank statements, employment verification, pay stubs. I even gave them my car details and insurance as they said they will use it as a collateral, and I was still being denied and discriminated against, cause I don't see any other reasons. Worse they put their dirty fingerprint on my credit and damaged it even more. I could still take it if it was a regular loan institution, but their people pretend to help those with bad credit and that's a lie.
Had major repair I had to come out of pocket with. Had a previous loan with OneMain. Called a week ahead before my bills were due and explained that I need to see if I could receive funds. If not I needed to know so that I could arrange to call my creditors and let them know that I would be late. I was told that they would call me but never received a call. Called to find status and was placed on hold for long amounts of time and told that they were very busy and short handed and someone would call me back. Never did receive call back after several attempts.
I had to go into the store and the rep that assisted me was not in. Several days went by and finally a call stating that my loan could not be approved after going on web and dashboard stated it had been approved. This Put me in a bind because I needed time enough to contact creditors to arrange payments. Thank goodness I had money coming in to cover a $300 electric bill. The staff was unprofessional and didn’t seem to care. Now I can’t make their payment until late and have to arrange for everyone else to be paid late. I am glad that I have good credit and creditors didn’t give me any issues. As soon as I pay OneMain off I will not be obtaining any more money from them.
Borrowed 3500. Had to pay off 4800 or so. Had an emergency. Borrowed 500. Didn’t get the loan papers until next week when I looked at the loan papers my loan was 7800 to pay back. Come on! For 500 these people are ridiculous.
My mother has had an account for 4+ yrs, pays her payment every month at the 3rd, due date is 6th, but has until 11th, never late, never behind, but every month they call her about her payment several times. Sometimes more than once a day, treating her as if she's not paying her payment. When she tells them she already paid her payment, they ask her if she wants to come to the office to set up a date to make the payment.
She constantly has to tell them she's already made her payment, stop calling her, yet they continue month after month. If she was behind, I would understand the calls, but she's very good with timely payments. She only took a loan from them to pay off medical bills, and Every time her loan gets close to being paid off, they offer her extra money, sucking her in for a refinance. Her credit rating is excellent, I believe they harass her to get her in to refinance again because she makes payments directly now, instead of going to the branch. Now every month she gets so upset from the calls, she's in tears because they harass her like she doesn't pay her bills. I would never recommend them, and I think they target senior citizens.
My experience with OneMain has been nothing but satisfying. I have been utilizing this company for over 10 years (even through name changes) and has been nothing but a positive experience. The staff has always been friendly, helpful and professional. I would recommend this company to anybody. Thank you.
My experience seems to be very different from what I am reading. The representatives were professional and did not judge me or my circumstance. Everything was handled in a respectful way and I am pleased to do business with OM.
This is a very deceptive company. We wanted to build a barn on our property and this was the finance company they work with. I filled out the first information form and got an immediate email that said we were approved. Then the insanity began! We own two pieces of property and are never late with payments. We own a business which has been in existence for 30+ years. Our credit scores are very good. We have hundreds of thousands in life insurance and receive a pension and social security. They wanted document after document.
At one point I asked Agnes, "How much are we asking for? Wasn't it just $10,000?" She apologized but the insanity didn't stop. More pay stubs, letters from my retirement, letters from social security. Each time she came back wanting more. Finally she wanted documentation of the amounts we receive for our adopted son. I refused, and we were unceremoniously refused the loan. I was left feeling like they were just gathering our information for dishonest purposes. I honestly expect our identities to be stolen and all our accounts drained. If they weren't willing to finance $10,000 to us, I can't imagine that there is anyone who will qualify for their financing.
They lie, lie, and lie. I applied for a loan with the Carson branch in California after receiving an email stating I was approved. I asked them if this will show as a hard inquiry on my report and they said "no" it will only show as a light inquiry. I proceeded with the process only to be denied. Now my report is showing a hard inquiry that will not be removed until the next 24 months. Please beware of their misleading offers.
I have had loans in the past with this company, paid off, never any issues or even a day late. Have a small current loan 2/3rds paid off, again NO issues, never 1 day late. Attempted to borrow an additional 1000. For some emergency repairs, I was treated like a NEW Customer, no regards to my past history with them, gave them updated info, then they wanted more (fine). But the so-called branch mgr... CARMIN... The one handling the case, would not return my phone call, after she lied and said she would. Then after hours of waiting, called her, again ANOTHER LIE. She said she believed she did call. Not True, have Caller ID, so Unprofessional Branch Mgr, with no customer skills, but good fibbing skills. I would never recommend anyone to trust One Main Financial NORFOLK NE 68701, till they clean house first and foremost "CARMIN", Branch Mgr.
After looking for a place to do a quick loan to get me by I stumbled across OneMain. Did the application online and got an email shortly after saying I was APPROVED in very bold letters. After two phone calls to the local office and an hour on the phone I was told that I was not approved and that I needed a co-signer. Wife called up and co-signed and was still denied. So watch carefully and ask questions because if you get an email that says APPROVED in bold letters from OneMain after you submit an app it's just them baiting you.
I had the loan about 2 years, even went back to get additional funds about a year ago. Each payment deducted from my account each month without issue or problem. I started really looking at the loan and the fact that it seemed to not go down. I spoke with someone at the branch and they suggested I make additional payments. I did that and saw no change, upon review I saw they did not apply my additional funds to the principal... I called them on it and decided to pay off the account. I was quoted an amount, but was told by the branch manager to wait until the next week so he could fix the problem with the payments. I waited and then visited the website that Tuesday, made a payoff. The very next day I was charged an additional $64 that I still am not clear on why. I paid it to be done with the inept staff but I will never EVER deal with them again. They are crooks!!!
Credit Karma stated that I have an excellent approval odd for this company, which I went ahead and applied to consolidate my credit card bills. I was instantly approved for 9,000 unsecured or 15,500 secured (I pay all my bills on time). Message stated that a specialist will give me call to go over some things in regards my approved loans. After a few days, someone by the name of Julian finally called me. We went over some questions and he stated that he will have to send my application to underwriting and will call me back the next morning. Never heard back from him. So in a couple days, I called and spoke with him, he stated that underwriter can approved me for 5000 only and wasn't sure how to explain to me why.
He transferred me to his manager Penny. She stated that she will be able to probably approved me for 9000 with my truck as a collateral, and will call me back that late evening or first thing next morning. Never heard back from her either. I waited a few days to call them again. This time, Julian was out of the office, so I asked to speak with Penny. She got on the phone and sounded a little aggravated by the sound of her voice, and stated that Julian is out of the office and is still working on my loan.
So I told her, that I was transferred to her last week because Julian didn't know how to explain to me why I was only approved for 5000 (pretty much didn't know how to do his job) and she was supposed to be calling me back in regards my loan. Then she stated that their system is down, so she's not able to pull my information up that she will give me a call back as soon as the system comes up (now this was said at 10 am). She didn't call back until 2 pm, just to tell me that underwriter declined my approved loan.
Now how does any of this even makes sense. Sounds to me, like she didn't like for that fact that I put her in her place this morning, because she is managing an employee that doesn't know how to do his job and her as a manager is unprofessional for stating that she will give me a call back, and it never happened (and it's been almost 2 weeks now since I applied). So because of that, my application got declined. How did it go from, I was approved online for 9000 unsecured or 15,500 secured, to they can only approved me for 5000 unsecured, to they might be able to approved me 9000 secured, to not being able to approved for any loan at all. Tell me what you guys think???
I'm more upset for that fact that, I applied due to excellent odd (which I was approved) and jacked up my credit score for no reason, just because the people that worked in this local office is unprofessional. And I'm not crazy for even thinking that they will declined me for putting them in their place for being unprofessional (in a very nice, not rude way). I'm a underwriter case manager myself, so I know how stuff works in the underwriting world. Someone can be more than approved for a loan, but it just depends if the underwriter/manager want to deal with that client or not. That's how it works. I will give this company a 0 star if I had the option, but I don't. Oh well, it is what it is!!! Thanks for nothing!
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!
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.
OneMain Financial Company Information
- Company Name:
- OneMain Financial
- Company Type:
- Ticker Symbol:
- Year Founded:
- Formerly Named:
- NTBS-2320 6801 Colwell Blvd.
- Postal Code:
- United States
- (877) 550-6246