OneMain Financial

OneMain Financial

formerly Springleaf Financial

 4.0/5 (494 reviews)
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OneMain Financial

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About OneMain Financial

OneMain Financial looks at factors beyond credit scores to help people financially, offering personal loans and credit cards online, by phone and in person at nearly 1,400 community branches across 44 states. You can use OneMain funds for emergency bills, a vehicle, home improvement, debt consolidation, medical bills, a vacation or nearly any other purpose. Loan amounts range from $1,500 to $20,000, and funds are typically available by the following business day. It takes about five minutes to get pre-qualified, with no effect on your credit score.

Pros & Cons


  • Flexible term lengths
  • Secured and unsecured loans
  • Loans from $1,500 to $20,000


  • Charges an origination fee

Bottom Line

OneMain Financial offers secured and unsecured loans with APRs up to 35.99% and terms up to 60 months. OneMain loans have fixed rates and payments and no prepayment penalties.

OneMain Financial Reviews

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Page 2 Reviews 10 - 40
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Verified Reviewer
Original review: Aug. 22, 2022

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 supplied them with my most recent tax returns-2020, bank statements for 6 months, brokerage account information etc. Then they asked that I prove that my 2021 tax return had been processed. It had been submitted to the IRS April 2022 but has still not shown as processed. I sent a duplicate to the IRS last month. The IRS has informed me they are months behind for paper returns- it can take between 6-9 months. I had proof both were sent along with TaxAct documentation. BTW- how can a company only use process-same year returns with the IRS in the rears? I offered to get them a copy from Tax Act etc.. then I was told that I would only qualify for $3000 which included a lien on my Suburban! Waste of time.. Very high interest rates! Untruthful and untrustworthy.

79 people found this review helpful
Verified Reviewer
Original review: Aug. 18, 2022

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 assumed from my phone conversations with the Branch representative and when I physically arrived at the Branch office that my loan application was vetted and approved. However, after I provided the documents and my ID and I assumed everything was a go, the Branch representative told me that my application was being declined based upon a further review of my income and debt ratio. Since I was prompted to apply and I was told that my application for $18000 looked good, I assumed that it was appropriate for me to drive to the Centerville Branch and that I was good to go.

One Main should have approved my application or told me prior to driving to the Branch that my loan could not be approved and the reasons for declination. This was important not only because I am a current customer in good standing, but also because I was led to believe that my loan application would be approved based upon a review of my credit file and long history as a customer. Customers such as me who receive a pre-qualified approval of a loan must know if their loan applications have been approved before they drive many miles and waste time only to be declined and hit with a hard pull on their consumer credit reports. With very high interest rates and harsh terms, One Main should strive to please its current customers and avoid blindsiding them with a disapproval after they have gone through the effort of providing all the necessary paperwork and being subjected to a hard pull on their consumer credit file.

65 people found this review helpful
Verified Reviewer
Original review: Aug. 4, 2022

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?

The local branch put in a complaint for me and said I would receive a call from the Customer Care department, which I did the following week. I was then told there is nothing they can do and I will get a letter in the mail which will have a number I can call. She did not address my issue, just an automated response. I thought this was the resolution department? This customer service employee stated she did not even look into this. This experience has been aggravating and caused me a hit on my credit, a waste of weeks of my time, and a cost of $75 out of my pocket. I got nowhere and was denied of no fault of my own.

60 people found this review helpful
Verified Reviewer
Original review: May 18, 2022

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.

59 people found this review helpful
Verified Reviewer
Original review: Jan. 28, 2022

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.

100 people found this review helpful
Verified Reviewer
Original review: Jan. 1, 2022

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.

86 people found this review helpful
Verified Reviewer
Original review: Dec. 20, 2021

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.

58 people found this review helpful
Verified Reviewer
Original review: Oct. 22, 2021

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.

One main financial had no business teaming with a salesman since Brandy is not a salesman and doesn't know anything about a good vehicle. Brandy should put this Audi in her name. I'm pretty sure what they did was illegal. I do not recommend this company at all. Taking advantage of people during the height of a pandemic is illegal. I'm going to keep reporting these people until something is done.

58 people found this review helpful
Verified Reviewer
Original review: Aug. 23, 2021

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.

49 people found this review helpful
Verified Reviewer
Original review: July 11, 2021

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.

29 people found this review helpful
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Verified Reviewer
Original review: July 9, 2021

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.

33 people found this review helpful
Verified Reviewer
Original review: June 29, 2021

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.

112 people found this review helpful
Verified Reviewer
Original review: June 25, 2021

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.

28 people found this review helpful
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Verified Reviewer
Original review: June 23, 2021

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.

I think now that they preferred repo of my pristine 2014 Challenger SXT that was collateral for the loan. I have recently acquired a mortgage loan and delivered a check for the pay off of the loan and they increased the amount up over the 500 dollar..again they accused me of trying to scam them with a bogus check, which it is not and I have documented proof that it is a valid check of close to 17000.00! They refused the payment and insist that I owed well over 17000 in Hopes they can take my car in their possession ...This company should not be trusted and they need to be under investigation.

25 people found this review helpful
Verified Reviewer
Original review: May 18, 2021

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.

11 people found this review helpful
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Verified Reviewer
Original review: April 30, 2021

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.

29 people found this review helpful
Verified Reviewer
Original review: April 27, 2021

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.

8 people found this review helpful
Verified Reviewer
Original review: April 12, 2021

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.

5 people found this review helpful
Verified Reviewer
Original review: March 30, 2021

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.

11 people found this review helpful
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Verified Reviewer
Original review: March 5, 2021

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.

Again I was inundated with several harassing and debt collector tactic calls a day even from different One Main branches. I called my One Main Financial Branch in which I was told the manager was calling about my payment. The representative asked me to hold while I waited for the manager to come to the phone. The representative asked me was I affected by the Winter Storm and replied, "Yeah, with over $3000.00 in damages." He explained it would be a forbearance but without documentation. This concerns me without me signing paperwork.

10 people found this review helpful
Verified Reviewer
Original review: Jan. 28, 2021

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.

I made all the same mistakes with my loan that many other one-star reviewers did. I took the loan because they offered it to me. I paid little attention to the horrible interest rate. And I only later wanted out of the loan. Luckily, I have a 401(k) I can borrow out of, so I am self-re-financing this loan, which is unfortunate. But this OneMain Financial loan’s interest rate is really bothering me. By borrowing the pay-off out of my 401(k), I will drop my interest to 3.5 percent, and I will pay back my retirement account very aggressively, to do the least damage. And I will save myself from wasting another $4,000 in interest. Taking this loan was not a good move for my overall financial picture. I should have taken a second job. Nothing I bought with that money was worth wasting $4,000 in interest in just 18 months.

But I am not angry at OneMain Financial! They did not force me to take the money, they offered it. The interest rate and all the useless add-ons they offer are completely disclosed in the paperwork you sign. I declined all of their add ons. NOTE: They position those add-ons as required, and you can – like I did – cross out every one of them before signing. There is no predatory lending here. I signed for the loan, and that’s on me, not them. There was no coercion, no sleight of hand. Granted, this is hardly an A-Team of banking executives. It has the feel of a used car lot finance office, in the appearance of the staff and the behavior of some of them. But the borrowing transaction was honest and convenient. (It is NOT dishonest to charge a lot of money for a service.). To be expensive is not the same as being predatory.

For the person who is going to sue over predatory lending, you most assuredly will lose. To be a lender, any lender, is to be in the risk business. They are taking great risk in lending to those of us who have, or had at the time, poor credit. All lenders charge more for higher risk loans, and most refuse to lend to low credit score borrowers in the first place. Try to focus on the reality: at the time my score was barely 600, I signed my name and they deposited $11,000 in my checking account. $11,000 is real money. I was happy at the time. As the account aged, the regret started to set-in. Lately, refinancing this loan has become a bit of an obsession for me.

I am talking to you if you are considering one of these high-interest loans. Before you sign, is this absolutely necessary? Can the purchase(s) wait? Can you borrow the money from family, or out of retirement? Can you pick up a side job, in say delivery or security? Because once you sign, and they give you a big chunk of money, there will be a day when you are sad about the amount of interest you are paying. And you may or may not be able to re-finance. Don’t waste thousands and thousands of dollars in interest. Thank you for reading.

43 people found this review helpful
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Verified Reviewer
Original review: Jan. 14, 2021

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!!

38 people found this review helpful
Verified Reviewer
Original review: Dec. 30, 2020

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.

28 people found this review helpful
Verified Reviewer
Original review: Dec. 19, 2020

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?

16 people found this review helpful
Verified Reviewer
Original review: Dec. 9, 2020

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.

By the third day when I checked my bank account, there was no deposit and the money for the payment was taken out. So I called and was told there was a "fund deposit issue" and they would call me back with answers. So a day and a half goes by with no return call. So I called and was handed over to a different rep. She said the same that there was a "fund deposit issue" and they were resubmitting my paperwork. Long story short, they never returned my calls, if a wanted any info as to what was going on I had to call them. On numerous occasions, I was told they would call me (even saying the branch manager would call me) but they never did. I as the customer always had to call them.

When I finally did get a call it was at 6:30 PM Friday evening and I was at the grocery store and right away the rep starts going over the closing statement. I let her know that I didn't have access to a computer to digitally sign the paperwork and we agreed that she would call me back on Monday between 3-6 PM. Well on Monday 6:00 PM came and went so I called them. The woman who answered the phone stated that the rep who was suppose to call me left for the day. I received a call15 minutes later and the rep I spoke with tried to explain that the whole process of "booking" the closing would have to be done all over again. So we agreed that she would call me the next day at 2:00 PM. Yes, you guessed it 2 PM came and went with no call.

She did however call after 3:00 to say they were having yet more issues and that she would call me later. I explained to her that in the past it would take two days at most and was wondering why we were now at the end of the second week and still couldn't get this done. I also asked her why no one from that office has reached out to the me to keep me informed on what was happening with their loan and why I had to keep calling them back (I waited some times a few days for a call but never got one). She had no response except to keep saying sorry. Well she never did call me back later.

So I called another lender Freedom Plus. Within 2 hours I had a loan for $20,000.00 with them paying off one of the Onemain loans and two other credit cards and put some money in my pocket. In two hours they made it happen, OneMain was going into week three with zero results, no calls from any reps being informative to the customer on what was happening, no planning with the customer on when the "closing" or "booking' was going to happen. Just one huge lack of any coordination on Onemain' s part all together as to NOT inconvenience the customer or in this case keep a long time customer. Prior to calling Freedom, I did call Onemain back one last time. After eight minutes on hold, I hung up. Lastly, the branch where I live knew about what was happening and filed a complaint with corporate. That was last week, still haven't heard back and doubt I ever will.

30 people found this review helpful
Verified Reviewer
Original review: Dec. 5, 2020

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.

14 people found this review helpful
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Verified Reviewer
Original review: Nov. 28, 2020

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.

8 people found this review helpful
Verified Reviewer
Original review: Nov. 27, 2020

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.

25 people found this review helpful
Verified Reviewer
Original review: Nov. 26, 2020

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.

16 people found this review helpful
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Verified Reviewer
Original review: Nov. 25, 2020

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.

22 people found this review helpful
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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