OneMain Financial

I have been getting pestered by Onemain for over 1 year. So I was at a point where I needed to get some funds to tide me over until my Heloc loan in January 2023. I supplied them with bank information, documents and ID etc.. Received a call saying I was qualitied for $8600. They asked that I send further documentation and did two "Hard Pulls" on my credit.

I have received personal loans from OneMain Financial over the years and while the interest rates I received have not been reasonable compared to other companies and credit unions I have dealt with; I took advantage of personal loans on a short-term basis. My most recent experience with One main Financial Centerville branch to secure a small unsecured personal loan could have gone better. I received a prequalified offer online and, in the mail, to take advantage of a personal loan for $18000 which was to pay off my existing loan balance and provide me with another $3800 for home improvements. I provided the branch representative with bank and annuity statements to verify my income and retirement status.

I applied for a secured loan. Sent them all the requested documents they asked for. I spent $75.00 faxing over my tax return at Office Depot, which they asked me to do because the file was too large to upload. They led me to believe up until the final underwriting that everything looked great and even scheduled me an appointment to come in and sign the loan agreement. An hour before my appointment, I was told I was denied because there was a discrepancy between my tax return and IRS tax transcripts. How can this be? I got my tax return from H&R Block which was accepted by the IRS and my tax transcripts directly from the IRS website. I offered to log on and retrieve these documents from their office, in front of them. How can there be a discrepancy?

Due dates are the 20th of the month. The next statement is not issued until the 5-7th of the following month. That makes 12 days accumulating daily interest. If trying to make payment for next month say on the 1st or 2nd there is no closing or ending date for the monthly statement so that payment posts to same cycle does not reflect for following month. Worse is next month's is considered a missed payment unless you pay again. The delay in issuing a statement until almost 2 weeks after due date is predatorial in nature as daily interest accumulates.

I'm telling you please do not get a loan here. They are the Worst loan company I have ever seen in my life. If you are late 2 days they keep calling. I have a Netspend account, I have a regular bank account which this payment is taking out of. I have credit cards that are in good standing. They do not want to take any credit cards or netspend. I wish I would have just stayed with my original loan company. I am going to get a second job just to pay them off early. Because I cannot deal with these loan sharks. They will make your life stressful, depressed, and just think everyday why you got this crappy loan. DON'T DO IT.

I took out a loan to catch up on some finances. I paid 138.58 on the loan on Nov 26th for the Dec payment. On Dec 5th they automatically took out another 138.58 and threw my bank account into a negative 165.00. I called them on the 7th Dec and they told me they would reverse the charges if I showed them proof. I sent a bank statement showing two payments were made to them for Dec. payments. They reversed it on their end but never reimbursed my bank account so where is my 138.58. I hope whoever reversed my payment and pocketed my money had a nice Christmas. It now January 1, 2022 and I have still not seen my 138.58 that they were suppose to put back in my bank account.. I will pay off my loan but will never use them again. Don't use these guys at any cost.

I filled out the information. Get approved an unsecured personal loan. They saw my car loan on my credit file, call me. Want to use my car as collateral, so it is not an unsecured loan. Hang up and tell them, "Don't bother me." And they are pretty rude too, not recommend.

At the beginning of Covid-19, I was looking for an Audi Q5. I found one at driven pre-owned in Lenoir NC. I went to check it out and ultimately found a different one I was interested in. Cody at Driven pre-owned contacted Brandy at OneMain Financial to get her to help him coerce me into buying his Audi. Well with both of them contacting me and pressuring me, I went against my better judgement and bought it. The car had so many issues from day one. This was the biggest purchase mistake of my life. The brake light was on, the backup camera didn't work, my taillight fell out on the highway, my engine was gone within a little over a year. I'm stuck with owing $12,000 and the cost to fix it is $11,000.

I had a loan with One Main and my truck title was tied to the loan. I sold the truck and on August 2, 2021 the loan was paid off. It is now August 23, 2021 and the company that bought my truck still does not have the title. I will never deal with this company again and if you do be please be wary. The truck was sold to an established company, Tooele Auto, in Tooele Utah. One Main has held the title way too long.

One Main Financial sold me unemployment insurance and when I needed to use the insurance they denied my claim for the one and only thing I asked about when I purchased the insurance. They lied and told me, "Yes sir, it will cover your payment if your contract ends" which was a bald-faced Lie. So I ask you why would I buy insurance if I knew it would not cover anything? The answer is I wouldn't and I have paid for two years on this insurance, I feel like such an idiot but I was lied to and that is not cool. This company has no business ethics at all. Avoid One Main Financial completely.

Please stay away. Interest rates high. Lie and never gave my husband paperwork Horrible rates. Liars. Hard get out of it. Customer Service horrible. Try other options. I want people get together class action lawsuit. Please be careful with loans.

This company is a lender of last resort and they know it. After a divorce, my credit was damaged and I need to make some emergency home repairs. In hindsight, I should have approached a family member first but I was too embarrassed by my credit score. One Main will lend you money when you have a credit score of 580 but it's going to cost you 35% and interest is a daily compound just like a credit card and that is flat out predatory. Avoid them at all cost if you can.

Debt Cycle to keep you In debt. OneMain is the worse gear to keep you in Debt. I Paid over 8000 on loan for 14000. Still owe 11476. Has not gone down much everything towards interest very little towards principal. Race motivated.

I opened a loan account with this company several years ago and never missed a payment and always on time. But due to Covid and my wife had major surgery on her right ankle that left her incapacitated. We had to buy medical equipment so that she could move around and enable her to maintain her hygiene etc. I requested from One Main to allow me to work with me on payments for 2 months max so I could get on my feet and maintain the payments that were over 500 a month. They refused to allow me any leniency and would call me and be extremely rude.

They email me to see my offers, They do not even show me a rate of interest, they right away get a hard inquiry in my credit, Without notice or warning. They call me to see if I would like to apply for the credit, I explain that I'm not interested and please remove the hard inquiry, The customer service representative shows that they don't care about my concern issue if you do not apply for the credit. Before you give them any personal information to see your pre-qualify be aware that they will affect your credit.

I've been paying my loans on-time since April 2020 (about 13 months). I borrowed $15k and my monthly payments are $569 a month. I'm so disappointed with how little my principal balance has gone down. I should have about half of the loan paid down by now if it wasn't for the ridiculous interest. Instead, I only have less than $2k of interest paid off after paying over $500 a month for this long. These loans are shameful - should be illegal.

I called requesting a refund to my account and I spoke to the branch manger and another representative. Both were extremely rude and unprofessional. The manager kept yelling and told me to call back then hung up the phone. I called back and no one picked up. I have tried calling this office from 10:13am to 10:38am over 41 times and no one was picking up the phone. They just let the phone rang and go to voicemail purposely. I left several voicemail and email. Never received a call back. Awful response time. I had to call the customer service number for them to reach the branch for me...horrible service quality. If I never had to deal with this Melville branch ever again I would prefer not to. They are rude tone of voice, unfriendly, unprofessional, doesn’t show concern for their customers, Can’t get a hold of a real person, Rude discourteous behavior, Lack of manners....just disgusting.

Never missed a payment! My husband was diagnosed with Cancer so we experienced high medical bills in April. Called OneMain Financial to defer ONE payment. Was told I had to call back later and pay 1/2 of the payment in order to defer one payment. BIG HELP! Have to laugh at the "One Main Financial is compassionate and willing to help their customers above all else". Thanks for making a difficult situation even more difficult One Main.

Their website says it won't affect credit scores. The Agent on the Phone took 10 minutes collecting all information. I affirmed that if I do not need an offer if they would do a hard check but they said they won't and then immediately placed a hard check on the account. Their agents need to be trained on differences between hard and soft credit checks.

Due to COVID, I requested assistance numerous times with me struggling to keep up with my payments. One Main Financial called me at 4 times a day every after refusing assistance. Finally, I stopped asking for assistance and may my payments without going into 2 payments past due. Then Texas winter storm caused additional issues with over 3,000.00 in pipe damages and very high Homeowners deductible. Therefore, this caused even a more financial hardship.

I am giving one star to the concept of borrowing a large sum of money at a high credit card rate. The fact that OneMain Financial specializes in these loans is why I am giving them one star. They are leaders in a sector of banking that I wish didn’t exist. But I am not mad in them, or even disappointed in them. I just wish I – and many others – hadn't needed them, or could have found a better way to get through without such bad loans. I am writing during a peaceful ending to an expensive relationship with OneMain Financial. I had an $11,000 loan (the product of being refinanced one time), and the interest rate was 27 percent. In the first 1-1/2 years of $345 payments, the principal dropped only $2,000. My interest payments in this period were more than $4,000. Yuk.

Every month I am reminded what scum this company is. People, like myself, who are struggling apply for these loans because of emergencies. I understand interests rates but this is ROBBERY!! $300.00/monthly payments for only $20-$30 going towards the actual principal... This should be ILLEGAL!! How anyone with sense can give this place a good rating is fraud!!

I had two loans with OneMain - Secured with a car - paid off and a consumer loan. I ran into some problems paying the consumer loan on time and they sued. Asked for about 35% more than what I owed. Then I negotiated a settlement with their lawyer and paid as agreed in court. Now they are trying to garnish my wages, not keeping to the agreement. They were very predatory while I was a customer, refinancing over and over again, then treated me terrible. Do not do business with OneMain.

OneMain doesn't care about you. Just like any other company they only care about the $$$. I have been off work since March 2020. I finally applied for the unemployment insurance that I took with my loan. I was denied the insurance claim because I am receiving (PUA) pandemic unemployment assistance instead of regular (UI) unemployment insurance. To me being unemployed is being unemployed. What other thing could it mean?

On November 19th, 2020 I was contacted by a OneMain rep to refinance a loan I had with them. So I submitted everything online and was contacted by a different rep to complete the process. Background, I have had 4 loans with Onemain. The first two I paid off early, the second two are active and one was being refinanced which would make it loan number five. So everything was fine and I even asked the rep since there was a payment due on the loan being refinanced should I expect the payment to come out or would the new loan override it. She assured me everything was fine and the money won't come out of my bank account. So we closed and I signed all the docs digitally. Was told to wait the 3 days for the money to be in my bank account.

They keep sending me advertisements for no reason at all and looking into my personal info to lure me into a high rate loan with them and calling them does not help because they are rude on the phone.

Personal loans always seem to be needed at the worst possible times. No one wants to have to take out a loan to simply live, to pay for an emergency, to overreach in order to have enough money for a reliable vehicle. Let's just be real, personal loan company's are in the business to make money off of you. When you have no other choice, you have to bite the bullet and get hammered with ridiculous interest rates. It doesn't matter how hard you work, how good of a person you are, or what the need is. They are overly nice, they oversell what you can afford, and let's not forget the extras: ie auto plan. So all that said by the time you get to signing the paperwork you get the pucker factor when you hear your monthly payment. If you can avoid personal loans that is best. If you cannot, go in with a solid borrow amount and do not allow them to talk you into financing more than you can afford.

Received a offer in the mail and needed a loan. What I didn't realize was the interest was just unbelievable but I justified it in my mind thinking I could handle this. For months I did. Onemain is a great company to get you that HIGH interest loan but like any other loan company it's about you paying back not about you as a person. I had to turn it over to a National Debt Relief company to get out from under the high interest rates. So I don't recommend One Main loan. Tried to talk to them but their answer was to, "Come in and let's see if we can lower your payments" but in fact in doesn't lower your high interest rates. It just sets up to to pay way longer than you planned.

I went to One Main Financial to get a title loan to help us out with our finances when our company went under. Although they did approve our title loan in our time of need, we definitely paid the price. The interest rate was outrageous. We put our Durango title as collateral on the loan. The payback was more than double our loan amount. If you are in a very bad bind it’s an option but I would pick any other choice due to the high interest rates.

The office in Berlin NJ sent many solicitations. I finally answered and borrowed $5,000 to refinance my car and borrow $2,000 to move. They charged me $7,000 to borrow $7,000. The lady who set me up with the loan asked me if I wanted gap insurance. I told her yes. She said O.K. that she would set it up with another insurance company. Now they say I don't have gap insurance. I was set up and cheated. They had me paying $14,000 for a $7,000 loan. I will be taking them to court for predatory lending. I feel they were racist too.