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OneMain Financial
Overall Satisfaction Rating
1.80/5
  • 5 stars
    16
  • 4 stars
    0
  • 3 stars
    1
  • 2 stars
    3
  • 1 stars
    77
Based on 97 ratings submitted in the last year
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    OneMain Financial

    formerly Springleaf Financial

    ConsumerAffairs Unaccredited 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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      3035 OneMain Financial Consumer Reviews

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      Page 2 Reviews 11 - 20
      Rated with 5 stars
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      Verified Reviewer
      Original review: Aug. 4, 2019

      This loan was a hassle free. I bring all the documents they told me to bring and the next day I receive my money in the bank, also the interest rate is much lower than others, would definitely recommend.

      3 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: Aug. 3, 2019

      THIS COMPANY SENT A FLYER TO MY HOUSE OFFERING A LOAN FOR UP TO 25,000 ON A SECURED LOAN FOR EQUITY IN A CAR. I called them and asked if they do unsecured loans and they told me yes to come in. I mentioned my credit wasn't great because I had lost my job over a year ago and had a problem trying to get employed. I just got back in the work force and making a great wage again. They told me that I could use my son who has excellent credit but has a low paying job. We went in and after answering several questions and providing them with our ssi numbers they told me I was approved for the loan amount I was seeking. I was so exciting and it was a relief.

      I desperately needed a loan to pay back government for social security contributions I fell short on so I could receive my lifetime benefit and I needed to have the payment to them before I reached my 65th birthday. Or I would have to accept the one time payout which was nothing. Since I did not have a pay stub yet to verify my income they told me it was ok to bring it in the following Friday but I was very assured that my loan was approved and that was the only thing they needed to show proof of the information I gave them.

      So after I gave them my pay stub they asked even more questions about previous jobs which made no sense. Then all of a sudden the lady tells me or no there is a mismatch on my ssi number and showed me a ssi number which was nothing close to the number I provided her the previous week. The number she had started with 586 and mine started with 223. Then she says the other way she could offer me a loan would be to refinance one of my cars, I told her my car was just purchased within the last 4 months. This was their game plan all along to tell me yes, let me down knowing I would be desperate, and then thinking they would get me with with a huge refinance on my car with a ridiculous rate. Just to get a small loan of $7500.00. WHAT SCAMMERS THESE PEOPLE ARE. STAY AWAY FROM THEM.

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      7 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 30, 2019

      I called them for an auto loan. Was approved for what I thought I called about. Only to find out after the vehicle was totaled that it was a personal loan secured by a title. The insurance company called with a settlement amount. When I called OneMain for a payoff amount they danced around the requested information telling me that they usually speak directly to the insurance company. Now I did have a personal loan with them prior to the car loan. But it was specifically a car loan. They asked for downpayment information and even issued the check to the car dealership directly. If this would be a car loan I'd be getting the difference. But because they weren't honest and had a play on words which the manager admitted the confusing wording (**) I'm without a car without insurance money and still owe 5000 dollars from a loan from almost 4 years ago. Hope they like that insurance check.

      4 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: July 30, 2019

      I applied for a loan with myself as the applicant and my mother as the co-applicant. We do not live in the same city. And I was told that in order to close the application, that both of us need to be present in the office to sign off. I asked if an exception could be made given that we were indeed approved and nowhere during the application process online did it bring up this rule. I find it hard to believe that now in 2019 that they couldn't (and more importantly wouldn't) find a way for two individuals living in different places to apply for a loan together. Why couldn't my mother just sign the needed forms and mail it in? Or fax it? Email? See there's no shortage of ways to submit paperwork!!!! No exception was made whatsoever. They created an unnecessary barrier to gain a customer.

      2 people found this review helpful
      Rated with 5 stars
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      Verified Reviewer
      Original review: July 29, 2019

      My son got married in Chile, and my husband and I with my 2 daughters wanted to travel for this family event. For this reason I requested the loan and at the same time reduce my debts to can travel. Was great.

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      Rated with 5 stars
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      Verified Reviewer
      Original review: July 27, 2019

      I was made to feel comfortable and the staff are all very helpful and explained everything to me where I could understand it. I have had a positive experience with them. I will recommend OMF to everyone that needs loans.

      Be the first one to find this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 24, 2019

      I needed money to fix my car and some personal things to pay off. They approved for a very high amount, which was like wow great because I can use the money. I understand how interest works, however, it doesn't in this loan company. Your principal goes down over time not because you pay extra towards the principal, but each payment a generous amount goes towards the principle to bring it down. You may more more of interest in the beginning, but not nearly the entire monthly payment. 8 dollars of 332 towards the principal does not make anything go down. or 8 dollars a day interest on a $9200 loan.

      Here's the catch, it's a false percentage, in reality they are collecting their interest before they allow a real dent to hit the loan. That's not working by percentage, but by how far along you are in your payments. I know, this happened to my father as well. This should be brought up in a legal matter. Because there is some false play that is probably very illegal in the matter. They helped me in an emergency but they are robbing me in the end.

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      8 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: July 13, 2019

      I will NEVER get another loan for this company again. They are con artist. I requested my payoff amount for my $4000 loan. After paying $160 a month for 2 years my payoff amount is still $3000. Cool. I don’t have any problems. I’m preparing to pay it off in 2 weeks. I get a call from a customer care associate telling me that she hates to see me leave and asking me the reasons why I am paying my loan off early. I tell her the interest rate is too high and I’m basically paying double back on loans so I just want to get it off my back. She tells me I can lower my interest rate on my current loan since I’ve been a valued customer and all I have to do is authorize them to pull my credit report. I ask if that is a hard pull and she says yes and I tell her no thanks because I don’t need any more hard pulls on my credit right now.

      My score has been growing and I’m also preparing to try to get a mortgage in the next few months. She doubles back and says, "Are you sure you don’t want a lower interest rate. I think it’s worth it." After talking she pursued me and I authorize it and give her my updated financial information. She then tells me my local branch will give me the details of my new interest rate. When my local branch calls me they tell me that I was approved for an extra $7000 and ask why it is that I need more money. I was flabbergasted???? I tell her that I made it clear from the start that I never wanted more money and I only authorized the hard pull because I was told I could get a lower interest. Her and her manager tell me that it’s not possible but since I’ve already done the hard pull “I might as well accept the money and it’ll be at the same 35% interest”.

      I immediately filed a complaint and called back customer care and I was then told a manager would be calling me back shortly. After 10 hours passed I called back was told by another associate that the same manager will be reviewing the conversation and will call me back before the end of the business day. I call back at 9:50 pm 10 minutes before they close and demanded to speak with the manager. Manager Travis ** finally came to the phone and apologized and promised me he would call me back by the next business day and ensured me I would not have to call back and took down my contact information personally.

      It’s now been 4 days and still not one call, but yet I’ve received several offers via mail and email over the last couple days. I’ve now sent a message through the company website and still nothing. I don’t appreciate them playing with my credit and these tricks they play to try to get you to take out another loan and I am disgusted with the professionalism of this company. I wish I could give 0 stars. I will never recommend this company and look forward to never dealing with them again. Completely unprofessional and will tell you anything they want rather it’s true or not.

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      19 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 2, 2019

      So I took out a personal loan to pay off credit card debt. I have never missed a payment. Last week I was in a car wreck. I called OneMain Financial to defer my payment. No problem, they said. I went through their process and the deferment was completely. I was not supposed to make the payment until July 11th. I wake up this morning, check my account, they never cancelled my payment. No, my account is all messed up. I called them. They said I have to wait until my bank clears the payment which after calling them takes 10 business days and obtain all the fees in the meantime. They told me there is nothing that can be done, that’s the policy. So they make the mistake and don’t even try to fix it. I would never ever deal with this company again or recommend them to anyone!!

      12 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: July 2, 2019

      When they asked me do I have any “other” payday loans I knew it was trouble. I have a credit score of 780 and you quote me an interest rate of 35% - nope, not when I just financed my car at .09% interest. BUYER BEWARE!!!

      14 people found this review helpful
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      OneMain Financial Company Information

      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
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