OneMain Financial Reviews

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.

Applied though Lending Tree. Don't be fooled if their website says 'Outstanding chance of approval' and OneMain gives you a dashboard that shows they received all the documents, your banking info, and a photo ID you uploaded ... and now just need to Finalize the loan before depositing to the checking account you already gave them access to. We waited 2 days, called them, only to have them say our income wasn't enough. Something they could have discovered on the 1st page of the application. Unfriendly customer service as well. About to get clearance for a new job later this month ...Will never do business with OneMain again.

I was a loyal customer for years even though their interest rates are ridiculously high.. I went through a divorce, had a couple bumpy months where my payment was late but caught up quick and then paid it off completely a few months later. I contacted them a couple weeks ago for a small loan and they turned me down... loyalty = ** with them. Never ever again and I've made sure every person I know and many I don't know this.

One Main Financial the Cleveland office speaking with Selina was an exceptional experience. She was professional, knowledgeable and extremely great with numbers. I needed a personal loan and she was able to put it together completely within 24 hours. I look forward to working with her in the years ahead! Thank you!

I had a dispute with a car rental agency in San Francisco, California. I contacted my credit card company, OneMain Financial, to report a fraudulent charge. The first time I submitted, the fraudulent charge was on July 11, 2025. They failed to put a freeze on my credit card and the company was able to hit it again. They closed the dispute without any explanation, but reopened it the day after I filed an FTC complaint against the rental agency. This time they froze my credit card and issued me a new one. They did not investigate the fraudulent charge on my end; they did not request any of my receipts or signed agreements. Once again, they closed my dispute and did not give me my deposit back. I am extremely apprehensive of my future purchases with this company.

I would definitely recommend getting a personal loan from a credit union with a way lower interest rate. They have a ridiculous interest rate, it’s a variable interest rate and it goes up to like 28 percent. Well for me at least and also if your credit is bad and you don’t have a choice, think about it hard. The loan with One Main has an interest every day, not monthly, so you can be stuck trying to pay off a loan you will never pay off, you would have to pay double payments to even catch up. Look at other banks or credit unions as the first option.

I would stay as far away from this company as possible!!! They promise you things like programs that if you make six consecutive payments on time for six consecutive months, you get rewarded with either an APR decrease or a credit limit increase and they give you the choice. But when the time came they chose for you. They chose the lower APR decrease which was a whole whopping 12% lower and did not give the credit increase. So when they tell you you have a choice, they're lying. I would not recommend this company. They are not on the up and up. I will be paying my card off and cutting it into pieces!!!!

I was assured that the loan process would be simple—"1, 2, 3," as they said. However, the reality was far from it. After taking a full day off work, traveling to their location, and paying $466 for full coverage on my car (a requirement they insisted on), I went through the hassle of submitting multiple documents—only to be denied in the end. What made this even more frustrating was that I was initially offered more money than I even requested, which led me to believe everything was set.

They are horrible!!! Got my loan. Paying it off, not worth the grief and aggravation. If I don't answer my phone they started calling my family members and they are so rude! I called them to complain and the girl said I was rude!!

Getting a loan with them is not worth it. The interest rate is through the roof. The late fees should be against the law. When it comes to trying to get the late fees or interest rate lowered, they are unwilling to help you!!

N0. I wouldn't do it If I was you. I applied online. They turned around and called me and asked me the same questions. They took all my personal information and turned me down. Louisville, Kentucky is bad they don't want your business and they are turning people away and turning them down. The only thing they want is all your personal information. Louisville has a bunch scammers who owns a business.

I will not do another loan with One Main Financial again. The Nissan place in Florence paid off one main. Then they took my payment for this month after it said 0 balance on my loan. Now they are saying it will be over a week to process the check and then another week to mail me my money. I am so furious that I got to wait over 2 weeks for my money back when you shouldn't have took it in the 1st place. Plus the customer representative was rude. I am done and I thought I would warn anyone else. Below show where my July payment was not added because it was after the payoff but still won't refund me my payment sooner.

ONE MAIN FINANCIAL KANEOHE HAWAII is the worst location. COMMUNICATION SUCKS!!!! They don't care about you as a person because they make commission off your loans. They wasted my time by telling me I was approved before my application was even looked over. We spent 2 weeks playing phone tag with Manager Sadie. Once we finally connected, they had no idea who I was and that they had been calling my phone 3 times a day for the last 2 weeks with no clue?? Well on that finally connected call JASON says, "I don't know who you are and I will call you right back." That was a week ago and no call back. They pulled my credit and did nothing for me but put a negative mark on my credit by pulling it.