OneMain Financial Reviews

This is an extremely unprofessional and shady company. I applied,sent in all requested documents, and was told I was approved. Then three days later, a representative called me to go over the all the details and while putting me on hold for twenty minutes told me I was denied!! Don't go through them, they are not what they represent!

I have been a loyal customer with OneMain for several years and I have been pleased with this company up until now. I have been paying my bill on time every month with direct debit, which works very well for me because I am a senior on a fixed income. But now, I am very disappointed with OneMain and it is very upsetting to me.

You get approved for over 5k. Next day you're not approved. Nothing has changed, what is going on? What kinda business are you guys running and why are you giving someone a interest rate of 28% when their credit is at a 705? And you have done multiple loans in the past with you guys. That's beyond greedy. That is not how you keep or retain new customers. You guys need to fix the problem.!!

I was specifically denied because my house mortgage was in forbearance due to COVID. Everything else checked out and set for approval. They called me and said I could re-apply once the forbearance was over.

Horrible company, I hope they allow me to use zero star rating. Paid my personal loan off 2 years early. Their office couldn't process my complete payment notice for 3 months payments still came out after my loan being paid off... called and complained. The refund check they issued for these overpayments BOUNCED. Talk about credit and ratings. They're close to bankruptcy clearly. Do not use! July 2023, still don't have a refund for the money they had no right to take.

While the team was very nice and helpful, they left out important pieces to the loan process unfortunately. And they’re very busy so I can respect that Trying to get assistance through the company itself is nothing short of a joke. Fast forward to them reaching out to my review on another site and them asking me to contact them. I did immediately and have not heard a word since. Can’t say I’m shocked.

How dare you complete a soft pull and A HARD PULL on my credit report, then send an email stating "I'M APPROVE" for $9,100 and to complete application. (Which I asked for $8,000) Just to call me and SAY I'M DENIED!! LIKE WHAT?!! AND COULD NOT TELL ME WHY I WAS DENIED. I SENT IN EVERYTHING YOU SPECIFICALLY ASK FOR!

I received an pre approved offer from this company for a 9k loan at 26% APR - I continued the application, as I am looking to consolidate my debt into one payment. I wrongfully assumed that because I was preapproved, that I would be able to accept this offer. Instead what occurred, was that they hit my credit, making it worse, and insultingly offered me $1,500 at 25% APR. Not sure how they plan to justify the predatory actions, but I am sure they will. Absolutely disgusted with this company and how it affected my credit. Silly to believe they wish to help anyone.

They compound interest everyday which they do not disclose. If I could give them a negative review I would. I even did a balance transfer on a no interest for 12 months on a credit card and they continued to take money from my account. DO NOT USE THESE PEOPLE.