OneMain Financial Reviews

My husband got a personal loan using my car as collateral, they said that I signed the documents giving him consent. I finally received the copy of the document three years later. It's not my signature. They have charged my husband over $9171.63 in interest alone, and $3,317.23 that has been applied to the principal of a $12,294.84 loan. I have been insulted, degraded, and treated like a child every time I speak to the Manager of the One Main Financial office in Georgetown, Texas. They are charging my husband for hidden insurance fees that he and I both have ask for that to be removed and refunded the money. They Refuse to do so, they are very unprofessional and over charging my husband. All I want is my car title back, I have paid for the car.

I was approved for a loan. Turned it down, worse experience I have ever had. No call backs, waiting on phone sometimes 20 min or longer. I have never had a worse experience with any lending institution. I got approved & I turned it down.

These are predatory lenders. Interest rate is sky high and will hound you to death if you are one day late. STEER CLEAR.

When I borrowed the first time, all was good. But they added charges that was unwanted. Then I had to borrow again and when asked about those unwanted charges I was told they didn't exist anymore and there was no refund for charges not used. So out of that I lost about $3,000 for those UNWANTED CHARGES. What does this sound like?

Reyna **, Personal Loan Specialist, made a real difference in my experience. She took the time to truly understand my situation and looked beyond my debts to see my needs. Her guidance was thoughtful, professional, and focused on helping me make wise decisions—especially when it came to paying off my loans. I walked in feeling uncertain and left feeling confident and empowered. That kind of care and attention speaks volumes about the service here. If you’re in the Texas City–La Marque area in Galveston County, I highly recommend asking for Reyna **. She genuinely cares and it shows.

If you miss a single payment, they will harass you to a nervous breakdown. I would not recommend doing business with them by any means.

Very bad customer service and service online is even bad. Before asking soft credit to pull they without asking do hard credit check up and not approve the loan as being said that with the vehicle collateral will be approved and at last, we have to call to find out and the customer service says not approved. What kind of loan is this? Company doesn't explain anything online. This one looks very fake to me. This company shouldn't be. I think looks scam.

I am a special needs mom and had a serious emergency. As a special-needs parent at times you are call to school several times a week. Situations like this and having no support can make it hard to keep a job and can make people desperate in some situations. I went to One Main, I put my car up as collateral. I borrowed $3000 and then ended up having to borrow 3000 more in 2019. I got so tired of the calls that I finally ask the agent how much have I paid over the last five years. She said $14,000. I nearly fell on the floor. That’s a down payment on the house. Do not work with One Main.

I wish I could give negative 5,000 stars. I was told that my application was approved, and they just had to ask a few questions. Then they denied it after doing a hard inquiry. Damaged my credit score for nothing. I would definitely not recommend.

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.