OneMain Financial Reviews

ONE MAIN FINANCIAL IS NOT A COMPANY THAT IS TRANSPARENT. The company will send out solicitation letters for Consolidation loans- ONLY to offer Debt Programs in which they make financial gain off of people who are already struggling with credit issues. I did not contact this company. This company solicited me without being honest or transparent about their motivation for financial service. Consumers please be aware that there are other programs and companies available that are forthright and have honorable business ethics. One main financial is not one of them. And they have salesmen/women hard sell with insults to frighten consumers into accepting their services through fear and embarrassment- NO SIR- NO WAY!

Unfortunately, I felt like it was more of a bait and switch than an honest lending firm. I thought because I went through Experian, it would be valid. First, through Experian, I filled out a pre approval application then put in an amount and it said I was approved. I wish now I had a picture of each step. Then they wanted all my information which I felt was reasonable since I was approved for the amount I was interested in. I’m in a bind and didn’t have any other choice. It required a 20 phone interview. That’s when my heart sunk and I realized they were just a predatory lending business. The gentleman was very nice, but started by confirming that I was applying for $35,000! I said no that I was applying for $8,000 unsecured.

I have been paying a truck loan for 4 and half years and it was financed for 5 years. The loan was originally 16000 and after 4 and half years it was still 11400 to pay it off. Stay far away from the Anderson SC branch. That woman there is something else to deal with. So unfortunate that I'm going to have to let them get the truck. It will take another 5 years to pay it off. I just hate the way they doing honest people that are trying to do right but you just can't with the group at the Anderson branch. STAY AWAY PLEASE.

These people are criminals. Received offer from them via Upstart. Accepted. Then they changed terms/conditions. Wanted security for loan. I refused. They disavowed all knowledge of Upstart partner relationship.

I would not recommend this company - I applied for an un-secured loan and was approved - at the last minute, they wanted the loan to be secured. To be told one thing and then do another is unprofessional.

We recently fell into hard times, so we no longer are able to make payments. So we went to a debt consultation company to handle our financial problems. We contacted one main to tell them our situation. But now they keep calling us about 4 to 5 times a day. So I guess they think we buckle under pressure and magically have money to pay them!

I wish it could be zero stars because this is a horrible company to borrow money from. When my husband lost his job back in June they said they work with us. They said, "You can do 4 deferments and then January you can refinance so you can afford your payments while only living on social security." Well January came and they, "Nope we can't do it," mind you we NEVER missed a payments. Our records was clean. SOOOO PLEASE DON'T USE THEM IN YOUR TIME OF NEED. They lie about everything and they will not be there for you. I DON'T WANT ANYONE ELSE BEING SCREWED LIKE WE ARE. THEY MAKE PROMISES THEY DON'T KEEP. DONT TRUST THEM!!!

They structure their payments so that almost nothing goes to principal if you make the normal/requested payment amount. If you have a loan with them, I highly recommend paying at least 25% more per month than they ask for. They certainly come through in a pinch though, when others may turn you down for low credit score.

STAY AWAY. OneMain Financial is an absolute nightmare to deal with. They’ll tell you your approval odds are outstanding, ask for an endless list of documents, make it seem like you’re “almost there”… And then suddenly change their minds for no reason whatsoever. They repeatedly ask for the same documents over and over, as if they don’t keep track of anything, and then have the nerve to accuse you of lying. The representatives are rude on the phone and treat you with zero respect. They truly do not value their customers. Do yourself a favor and don’t do business with OneMain.

As the other customers have stated, "RUN" from this company! The service sucks at the Avondale Az location and they are rude! When it's time to pay off (paid in full 12/1/25), my loan was more than what was listed. The app states one amount when I called to pay it off, it was a TOTALLY different amount 759.71 app state 263.45. I paid the DAMN amount and said your company sucks, reported them to the Better Business Bureau. I have 2 other personal loans with Navy Federal and USAA credit union with an amazing interest rate. Please utilize the credit unions or your bank RUN from One Main and others like them. I didn't want 803 credit score affected by this sucky company, so that's why I paid the amount.

RUN!!! I was never late so I asked them when my loan was done and they told Aug of this year. So the September they took out a $45 payment. So I reported it to my bank and then they said it was a returned payment in 2022 which was lie so my bank returned it to me. Then my credit score was at a 620. No it’s in the low 500. I’ll never do business with these crooks ever again…. They already overcharged me for my loan. The only reason I remained was because I needed the money but never again. I’ll live on the street before I deal with them. Ridiculous!!!!

Real bad services. Do a loan in one main finance. I'm a customer for many years but this time treat me and the services is real bad. High interest. They have new people there. They don't know about good customer services

They were very easy to deal with when applying for a loan - now I want to pay it off - not so. Can’t reach a live person in my local branch so tried calling the main office and I couldn’t understand the person who answered the phone. Extremely frustrating

When I first received my loan it was because I needed to get my vehicle repaired. The agent in the Warner Robins branch told me about an auto plan that I could purchase that would cover a percentage of future auto repairs. In selling me the product, the mentioning of the coverage only lasting one year and not the duration of the loan was never told to me. It came across that as long as I had an open loan with them I would have the coverage so I gladly signed the loan docs and added the coverage. Well fast forward when I had to get a motor done on my car, I called to file a claim and at that point was when I was told that the coverage was only good for a year.

ONEMAIN FINANCIAL totally wasted my time and too insulted my character. After being preapproved for the loan and too via their process, arriving at the point of signing, suddenly there was a bait and switch and a attempt to insinuate I had engaged in fraud. They alleged my credentials and documents were somehow falsified and/or doctored, yet without proof of such allegation. How absurd!

OneMain Financial – Clinton, MD (Malcolm Road location). I would give this branch zero stars if I could. My experience with OneMain Financial in Clinton was extremely frustrating and unprofessional. I received a pre-approval from Jonell and uploaded everything required — my vehicle title (in my business name), insurance info, and photos. I even asked if the business title would be a problem, and she said it wouldn’t.

I cancelled this card, by e-mail, on the same day they approved me because I did not see that there was a $75 annual charge...and that you had to pay it immediately, I am finding out. They refused cancellation..I never received the card...and they keep sending bills for $75 and a penalty fee if you don't pay..for a card you cancelled on the same day it was approved. I already sent a complaint to BBB, and I will work to put this company out of business entirely...whatever it will take. Cheers!

I strongly advise anyone considering OneMain Financial to stay far away. My experience with this company has been nothing short of predatory and deceptive. They lure people in with promises of quick, “helpful” loans, but once you’re in, you realize how manipulative and unfair their practices are. Their interest rates are sky-high, even for people trying to rebuild their credit, and they don’t clearly explain how much you’ll actually end up paying in the long run. The paperwork and terms are intentionally confusing, and they make it sound like they’re doing you a favor — when in reality, they trap you in long-term, expensive debt.

Barbarians...period 8,300.00 on a 4,200.00 loan. Plus 1,300.00 additional for the repo. Still paying five years later. One Main was formerly under another name Springleaf Inc fined 20 million dollars in 13 illegal practices & continue to operate in faulty illegal practices.

Worst company ever. They won't call you back. They ask you for lost of document. At the end nothing. Bunch of clowns. Going to sue them for waste my time. Bunch of criminals. People don't not let to run your credit please.

ENGLISH. OneMain Financial – San Francisco, CA Branch (5221 Geary Blvd). I applied for a personal loan and submitted all required, legal, and original documents. Throughout the process, OneMain Financial’s staff repeatedly assured me that the loan would be easy to approve, generating expectations. However, the loan was denied without sufficient explanation or justification. On October 16, 2025, I spoke with a Spanish-speaking male advisor whose behavior was disrespectful, unethical, arrogant, and unpleasant. He asked personal questions unrelated to the financial process and refused to provide his name when requested. His attitude was uncomfortable, unprofessional, and completely inappropriate for a financial institution representative.

This is a complete scam and not worth… This is a complete scam and not worth the trouble. Please be careful before you apply for the fraudulent card! You'll lose more than you will gain! OneMain Financial BrightWay Card is a serious scam. These people had me to upload my social security card and house bill also my driver license. I done as they requested and they completely ghosted me! I tried calling and was put on hold over 30 minutes by, Kathy several times. They give you one price and interest rate and it changes once you're in their office to sign the paperwork for the loan.

The first bad experience I had was when I went to my local branch to finalize the loan; my loan specialist was extremely condescending. He acted like he was so much better and smarter than me. If I had any questions, he would respond in a way to make me feel like I was stupid and had no idea what I was talking about. If I wasn't as desperate as I was at the time to take out the loan, I wouldn't have even considered it based on the bad customer service that I received that day.

If I could give negative stars somehow I would. I’ve had a loan with this location for over 6 years and they keep finding more and more ways to drag it out. I’ve filed BBB complaints and they literally could care less they are going to continue to be predators. A $10k consolidation loan has somehow now cost me almost $30k. If you make extra payments to try to pay off the loan early it doesn’t matter they already calculated and tacked all their interest on and are going to squeeze every last dime out of you. I’ve even spoken to the corporate office who were going to address some of the issues and let me pay off the loan sooner but when they saw it originated at this branch there was no longer anything they could do.

This company is a disgrace. Don’t believe their fake reviews—these people are rude, dishonest, and completely unprofessional. Their store manager gave me a verbal payoff offer of $3,500 to release my car title. I’m an Uber driver. My car became unsafe to drive due to airbag and catalytic converter issues. I missed two payments because I couldn’t work. Carvana offered me $2,100 for the trade-in and agreed to pay OneMain $3,500 directly for the title release. They would roll the remaining $1,400 into my new loan. When I called OneMain’s Aramingo office to confirm, they lost their minds—yelling at me like I was their child, putting me on hold for 20 minutes, refusing to cooperate. Then they pulled a bait-and-switch: suddenly the $3,500 payoff became $6,100 just because Carvana was involved.

They lie and will accuse you of fraud… then act holier then thou after they’ve damaged your credit. Oh, you’ll have no recourse either and will have no choice but to start over again. So they will ask you to upload a pay stub in .PDF form. If you’re like me… my pay stubs aren’t in .PDF form…. so it has to be modified into one. I call the office the next day after doing as I’m told and am accused of fraud because the document was modified into a .PDF- loan denied. You honestly can’t make this up. Long story short… office is full of rude idiots. I went to another lender and was approved the same day for more money at a lower interest rate. That lender used “Plaid” and verified my income in literally minutes. Stay far away from these dumb witches.

Paid what branch manager told me, car still repossessed. Then charged $600+ for a tow that cost $150. OneMain is deceptive and predatory. They have used unnecessary aggressive force- Would not use them.

Today I cancelled my credit card ** due my balance was send to the bank collecting the hold amounts in debt profiting over droop on my bank account, where I call they told me I send the payments which is not true. I never don’t used computer to pay my bills. I’m very upset with the company. They is the reason why I don’t want to have any bank with your company.

They come across like they care about you and whatever financial hardship you might be facing if you end up defaulting on your loan, but they really only care about not losing money. I recently started working with National Debt Relief because I’ve experienced a big financial setback this year and needed to get some help from NDR to avoid losing my home. I changed my contact info to the NDR creditor line as instructed by NDR and One Main Financial changed it back to my cell number SEVERAL times without my permission and then continued to call and harass me. I even explained my situation and they refused to call NDR, told me I had to provide them with certain paperwork, but this would VOID my agreement/contract with NDR thus resulting in losing the debt relief program entirely, putting me in an even worse situation.

Predatory loan sharks that are owned by a hedge fund mastermind that take advantage of the poor living paycheck to paycheck or people that are on some type of assistance like SSI or SSDI. Stay away at all cost. They will take title to your vehicle then they will hit you with offer after offer to lower your interest rate while then you take the bait. That's the way they keeping you in a loan.