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OneMain Financial

ConsumerAffairs Accredited 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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Last updated: Oct. 16, 2017

2844 OneMain Financial Consumer Reviews and Complaints

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Verified Reviewer
Original review: Oct. 16, 2017

OneMain has worked with us multiple times. They are very kind, courteous, professional and knowledgeable. The ladies in Turlock are very nice and funny. They go above and beyond to meet the needs of their customers.

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    Verified Reviewer
    Original review: Oct. 11, 2017

    I won't trust a OneMain Financial to help you with finance because they will always reject the approval. They always preapprove a loan and reject you when you go to the branch to sign a contract. They will laugh at you saying, "You are not qualified. Go away." OneMain Financial located at Florence KY is a fraud. Thanks for your lie. I am glad that I am doing business with Chase.

    Verified Reviewer
    Original review: Oct. 4, 2017

    I have been a OneMain customer for around 5 years. Never missed a payment. I originally borrowed 6000 to do remodeling on my house and renewed this loan twice once for 500 and once for 1500. From doing this my payments went from 190 per month to 480 per month and I have paid over 35,000 dollars for this one loan. When I checked my credit score OneMain said that my original loan amount was 12000 dollars. I have tried to talk with someone about this and they keep giving me the runaround and no one wants to talk about it. They will not even renew the loan to try to make the payments lower. My original loan amount was 6000 not 12000. Everything else on my credit report was right except OneMain. It should still have a original loan amount of 6000. No one wants to help? If I ever pay this loan off I will not deal with these people again. I feel as if I'm being ripped off and would not recommend Them to anyone.

    Verified Reviewer
    Original review: Sept. 30, 2017

    Very Irate with this company! I applied with this company for a very small loan. I was told it was a good place to get approved. While I do not have perfect credit my credit is fair not bad! I have credit with other places and credit cards but these clowns turned me down and my credit score dropped big time! I am pissed beyond words. It took me several years after I divorced to get my credit back on track for these idiots to put a dent back into it and not help me after they sent a damned good approval status to me. Never will I ever apply with these clowns again!!

    Verified Reviewer Verified Buyer
    Original review: Sept. 26, 2017

    Interest Rates are the worst. Being a long term (20 yrs of loans) never late, customer does not help. Just a real greedy company. I had another person apply just for the cause of it, her credit score was 801 and they still told her that her interest rate would be 28%. Just as bad as the PAYDAY LOANS, although I have never had to have a payday I have spoken to others that said they paid less interest with some PayDay Loans. Once this current loan is paid in full, I will never do business with them again. Like I said a real GREEDY COMPANY.

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    Verified Reviewer
    Original review: Sept. 25, 2017

    I had a great experience with OneMain Financial when looking for a loan to consolidate my personal debt. They were courteous and when closing, didn't try to force their other insurance packages on me, which I really appreciate. I would work with them anytime.

    Verified Reviewer
    Original review: Sept. 22, 2017

    My nightmare began with this company when I gave the title to my 5th wheel as collateral. Approximately 1½ years later, this loan was paid in full and my understanding was that the lien release would be sent to the DMV. Fast-forward to today my husband and I made several attempts to sell our 5th wheel trailer and finally, after 6 months, found a buyer. My husband and I planned to use the $5,500 dollars to finally pay for the backyard our Home Owners Association was demanding we put in, or be fined. Thankfully, we just needed to do the paperwork, and get our money from the buyer. When I went to the DMV, they let me know that Springleaf still owned the title and would not allow for the bill of sale. Imagine my embarrassment. I made contact with Springleaf on Friday, September 1st and asked for them to expedite my title so that I could still make the transaction with the buyer.

    In the meantime, my husband looked at the calendar 3 weeks out to take a vacation to landscape. Something we'd be able to do with the money from the 5th wheel. After much anticipation no title the entire week of September 11-15th. I called again on Friday, September 15th, and was told that the branch I took out the loan with would have the title. Nope. They didn't have it either. The buyer in the meantime is getting extremely frustrated and gives us two more weeks to get the title. With my pleading, I begged for someone at Springleaf to help me, and they basically told me it was probably in storage, but no one really knew who to contact or how to get it, if even possible, so they then promised to expedite the lien release. So you probably know where I'm going.

    Fast-forward to today and still no lien release and a buyer who gave up. Not only did my husband lose his week of vacation to landscape, but we lost our buyer and $5,500 dollars and now have a $100/week fine due to our landscaping not being started. This all could have been prevented had our title been sent to us. This is criminal behavior and not even one person has apologized! Still no title! Criminals!

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    Verified Reviewer
    Original review: Sept. 14, 2017

    Took a SECURE loan with One Main Financial. Prior to receiving the loan, it was suggested what kind of insurance was good for me to take out in case I become disabled or my car gets totaled. I agreed with the loan officer about my insurance. He explained them and had me sign/initial them. Three years later, my car get totaled and my car insurance pays the money to One Main Financial. The loan was suppose to be insured so why did they accept any monies from my car insurance company. When One Main Financial contacted me, they told me that I signed for disability insurance and life insurance and my car being totaled that I still had a balance to pay. They are very deceitful people working there at that time. I will never deal with this company again. DON'T TRUST THIS COMPANY!

    Verified Reviewer
    Original review: Sept. 11, 2017

    I took out a loan with OneMain for $7,000. The local office was wonderful, and made everything very easy. The interest rate is fairly high, but it fit my immediate needs. I received the loan, set up my payments, and went about my business. If I pay the loan off strictly by their monthly terms, I'll be paying around $13,800 total. However, there is no penalty for pre-payment, so the interest paid could be significantly less.

    Here's where things become... odd (and the reason that my review is only 2 stars instead of 5). They've reported my new loan to TU, Equifax, and Experian as $13,800. I've never experienced a loan showing up on my credit report where it included the unearned interest. I called the main contact number, and the customer service representative was unable to assist me, so she forwarded me back to my local office. My representative there was unsure about how/why this was happening, so he called the company to find out.

    Their response was "It's a simple interest loan, so we report the total of all the payments that will be made." The website indicates that this is a "Pre-computed loan" (See image). This makes absolutely no sense to me, as it works exactly the same as a car loan or a mortgage (sans the collateral, of course), so the only thing that should be reported is the remaining principal. The biggest issue to me is that they're reporting a deceptive number that could have a negative impact on future credit requests.

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    Verified Reviewer Verified Buyer
    Original review: Sept. 11, 2017

    I went through One Main Financial. They have good customers service. The only thing I don't agree with is that I am trying to change my payment date and they are adding interest on moving the date. I pay my bill on time every month. I just can't believe they wanna add more interest to my bill like it's late.

    Verified Reviewer
    Original review: Sept. 11, 2017

    Someone used my personal information to get a loan and OneMain Financial has not provided me any information to show that I opened this account and refuses to absolve me of all charges and continue to list negative and wrong information on my credit report even after I provided them with proof I did not take out this loan.

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    Verified Reviewer
    Original review: Sept. 3, 2017

    Due to a large number of medical bills, etc. I decided to enroll in a Debt Management Plan to get my finances in order. Two days after I receive notification that OneMain has accepted the proposal from the Debt Management Company they deduct a payment from my bank account. Since I'm enrolled and you have agreed to their terms why are you taking money out of my account. Your payments will come from the Debt Management company. This is extremely unprofessional. Don't know if it arises to the level of illegal but in my book it is awfully close.

    Verified Reviewer Verified Buyer
    Original review: Aug. 31, 2017

    I received a mailer inviting me to apply for a loan with OneMain. I completed the online application and was immediately given a response which stated, "Congratulations! Your loan has been conditionally approved". I also receive an e-mail which stated my "Loan was Approved". The only conditions were government ID, income verification and title to a vehicle.

    I then received a call from a female employee. She began asking me several questions related to my finances. OK, no problem. But as the questions continued, I felt like I was applying for a mortgage. I don't have the best credit and was politely told the loan could not be approved. OK, no problem. Not 2 minutes later, this same female called back and stated she thinks we can make this work. She then requested pay stubs and stated she would have a decisions later.

    I receive a call later in the afternoon. This time this female began asking questions related to my income. She asked why would I need this loan if after all my bills are paid at the end of the month I still had $8,000.00 left over. In no way do I make this much and do not have that much money left over after expenses. She then began asking questions as to why certain things were on my credit report. After explaining them she stated my answers didn't make sense and became accusatory. She then put me on hold and came back stating the loan could not be approved. OK, again no big deal.

    I am writing this to make people aware of the intrusive nature of the questions asked by this company when the loan I was applying for was secured by a vehicle. I again was not applying for a mortgage. I think this female employee was totally inexperienced and could not even add my monthly income correctly. Things happen for a reason!!!

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    Verified Reviewer
    Original review: Aug. 28, 2017

    Got approved online for a personal loan. Called my local office and they told me "We will contact you back shortly." 3 hours went by with no contact. Called again & was told that the associate never went over anything yet so someone else would and call us back, they connected me to a woman who told me the exact same thing as the male associate did. Now 3 days later still no call. Really need this loan ASAP! Company seems so awesome yet the employees are ruining the name! Uniontown, PA location.

    Verified Reviewer
    Original review: Aug. 3, 2017

    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.

    Verified Reviewer
    Original review: July 27, 2017

    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.

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    Verified Reviewer
    Original review: July 24, 2017

    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.

    Verified Reviewer
    Original review: July 18, 2017

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

    Verified Reviewer
    Original review: June 24, 2017

    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.

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    Verified Reviewer
    Original review: June 15, 2017

    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.

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    Verified Reviewer
    Original review: June 15, 2017

    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.

    Verified Reviewer
    Original review: June 14, 2017

    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!

    Verified Reviewer
    Original review: June 8, 2017

    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.

    Verified Reviewer
    Original review: May 26, 2017

    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!

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    Verified Reviewer
    Original review: April 30, 2017

    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!

    Verified Reviewer Verified Buyer
    Original review: April 21, 2017

    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.

    Verified Reviewer
    Original review: April 19, 2017

    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!!!

    Verified Reviewer
    Original review: April 7, 2017

    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.

    Verified Reviewer
    Original review: April 6, 2017

    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.

    Verified Reviewer Verified Buyer
    Original review: March 27, 2017

    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.

    OneMain Financial Company Information

    Social media:
    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