OneMain Financial Reviews

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.

Very poor customer service. No respect for people’s time. Supervisor was very unprofessional. Nothing worse than when you promised one things and asked for something else. Be careful. They send approvals and then change the terms. Very dishonest.

I thought this place was a good place to get a loan from but this is the worst place to get a loan from. They don't care about their customers. I've had breast cancer surgery and was involved in a hit and run. They told me that they do modifications for people if it's an emergency. They're refusing to give me a modification even though I just have breast cancer surgery and was involved in a hit and run. If this isn't serious I don't know what is. So I'm telling everybody run from this company. Do not do business with them because they do not care about their customers

OneMain Brightway credit card. This has to be the worse experience I've have had with a credit card company. Customer Service is non-existent. I could not talk to a live person and I had a very hard time closing this account. I called, I emailed and I sent a letter by USPS First class mail and never, NEVER heard from OneMain.

I have used this company on and off for a couple of years and until just recently have run into these really shady situations where I can get no response from the branch manager, the customer service people I pick up the phone are so unbelievably rude. I have actually recorded conversations. My last loan request I placed November 2024 and I was on medical leave so I was receiving medical disability, but it was still more than enough to pay my loan and they gave me the loan. They asked me if I wanted to sign up for additional insurance like unemployment and life insurance among others and I signed up for unemployment and I signed up for life insurance.

The customer service was great but the rest of this experience is horrible for me. I was in a desperate spot when I got this PREDATORY LOAN. I thought this would help me get out of debt. I took out a $14,000 loan. My payments a month are $426.00. I have been paying this loan for almost two years and still owe $13,000. I am in worse shape now than I was when I got the loan. There is only approximately 30-50 dollars going towards my principal, everything else goes to interest. I will NEVER get another loan from them. I only gave them one star because customer service was good.

I was approved for a loan here. Getting approved was appreciated but after dealing with this place and its arrogant branch manager, who spoke to me in a very condescending way whenever I call her with any questions. I made the decision to pay off my loan early and do business somewhere else. This place was a nightmare for me and it’s still not over! I paid off the loan based on a 10 day payout that the manager emailed me on 6/2/25. A check was then mailed out to One Main paying off the loan. Which has Cleared!

This is the biggest ripoff ever. I been paying on a car loan for 3ish maybe four years. They tell me I still owe 20,000. I tried to make a cash offer. They are playing games. Will not return my phone call or accept the cash offer of 13000. This is the worst experience I ever had in my life. I hope nobody ever have to use them. They differently are to help us just themselves.

This is the first review I've ever written but I felt I needed to warn others. I have been paying on an endless loan for over 5 years now. They constantly call me trying to get me to get another loan so that they can own me for the remainder of my life as well, but once this loan is finally paid off, I will never deal with these scam artists again. Run FAR FAR away from them. I give ZERO stars to Onemain Financial.

DON'T. Predators who fake as business credit/loans. Upping your amount or balance due to their convenience, breaching contract. And horrible broken "support" numbers that link you to some foreign call center or fake rep with broken VoIP/background noise.

Easy enough to get a loan through them but, it takes forever to pay it off, all interested are front loaded, you'll wind up paying twice the amount of the loan when all is said and done. Your invoices do not show which number payment it is, let's say your loan is 58 payments, you signed an agreement for 59 payments but their billing doesn't show which payment it is, so it's easy to forget which one you're on. They will sign you up for extra coverage (disability, employment) that you never asked for and when you do find out about it, you can't get a refund or ever use it. It was a huge mistake getting a loan through this company.

Run away from this place. Simple and to the point they are a scam. I had excellent approval odds for unsecured loan. I made sure it was unsecured but when I spoke to someone after they dropped my credit score significantly. They told me I could only get approved for a secured loan. I explained that's not what I was told. Basically was told to kick rocks and on top of that not only did they lie my score dropped so I have to wait til it bounces back. Liars and scammers.

Got a call from Robin **, took my info then had me call another worker that said his name was Thomas **. They wouldn't use a debit card or write a check. They wanted cash app. That was shady to me. This guy says he wanted me to pay 199$. I told him to take the money out of the loan. He stated they couldn't do that, the 199$ had to be upfront. I politely turned down the loan but Mr. Thomas got hateful with me. His phone number shown up at spam number. First call came California, the second number came from New York. Gotta watch who is saying they can help with loans due to all scams out there.

Awful 😞. Loan payments always goes to interest. I originally didn't take out my loan with them. A low apr loan company pretend to go out of business and sold my debt to One Main - a extreme interest loan place without my consent. And got sold useless insurance that made the loan higher. It really should be criminal if it wasn't already. It's a loan shark business. They set you up to fail. 10 years on at most 4000 dollars. It's still 9000 now. No way to pay back.

I was offered a loan outstanding ability to achieve the loan. However, when I applied and they did a hard credit pull, I was then told it wouldn’t be a signature loan that it had to be collateral based loan. That isn’t at all what was advertised. I asked them why they didn’t do a soft Credit pull until they laid out all the facts. And they said, "Well that’s just not how they operate." That is very deceptive and it contributes to ruining your credit rating. I do not recommend using One Main financial for any loans. In addition, my daughter had a similar scenario with them, where she went through the application process due to a favorable loan promise and then after hitting her credit score, she was told she did not qualify. Whatever you do…. DO NOT APPLY FOR A LOAN with One Main financial because they are untruthful in what they are willing to loan and you will be sorry.

Beware of "Bait & Switch". While applying through partners such as Credit Karma, you give your annual salary and all up front, while they claim your approval odds are outstanding. Then you get a message stating that you are approved for the loan of your choice. Then after they run your credit report and give you a hard hit on your credit, they claim you don't make enough money for the amount promised. They then offer you a significant amount less or ask you to put up collateral. I personally have a stellar payment history, and I am even a past customer in good standing with OneMain Financial. It clearly does not matter.

This company is a joke! They claim to have you approved and their trick is to call you and try to get you to give them collateral like a vehicle in order to give you a loan. They just waste your time. My credit is fine but they offer a large amount and when you talk to them, if you do not have a new car with equity in it there is no loan amount they will give you without the vehicle. They should change their name to Ding Your Credit Report Financial.

After having paid extremely high interest rates with very good credit and after being approved twice for loans without a co-signer all of a sudden I need a co signer though my credit score has gone up and my income increased! I’m paid again through next year and when I applied for a loan extension that would end up lowering what I owe and my monthly payment, they said I was approved then all of a sudden I needed a co signer, then all of a sudden I was denied. I very strongly believe they see that they’re not going to make as much interest off of me and that’s why they denied me. They’re predatory with terrible practices. AVOID AT ALL COSTS. They only want to prey on people they can gain extremely high interest on and collect crazy fees from but if you pay your bills ahead of time, saving yourself interest, they deny. TERRIBLE TERRIBLE TERRIBLE.

I applied, went through the process got a message to set up a 20 min call. Literally, within 10 seconds the representative Jacob R. (Yonkers) calls me to go over my application, I had requested a call back at different time and first thing that he said was you need to put a car as a collateral! Since I said no he said “okay, and this why we don’t wait to call you on your set time!” Hung up - absolutely RUDE and unprofessional.

Preying on people for their hard earned money with over the top interest and faulty accounting records. 15 years off and on garnishing my wages for a 6k loan and they say I still owe 9k.. Crooks preying on the working class. Shame on them.

They WERE great. I'm not so sure now. When I needed $300 to fix the car for which they're holding the title. They wouldn't even consider it. I've been with them for 15 years. But as soon as this loan is paid off, NO MORE.

Not a good fit for anyone who is not desperate! When I paid off loan, what I actually owed, they charged what they say I owed, two different figures.. They reported that I settled my debt but not fully paid off...They are Sharks smelling blood....run as fast/swim from predators like ONE MAIN!!!!

Well I was told my chances at a loan was very good with no mention of it being a secured loan until I applied and they told me I was approved... Called me a day later only to tell me the only way I can get approved is to to have a car title as collateral, well the point of me applying for the loan is to put a down payment on a car.... SMH.

It's a predatory payday loan company. They'll contact you multiple times telling you that you're approved for a loan, even if you're not. The interest rates they advertise are misleading and you'll likely be paying around 100% interest. Stay away.

We had a loan there, we asked for a payoff. It was 6800, my bank sent them 7200 with my calculations, they owed us 400, we got 268.89. Must of some fee they didn't tell about. I WOULD NOT RECOMMEND OneMain Financial to anyone.

Had a loan with OneMain and paid it off in full years ago. Now they send me offers all the time. One day I went to the branch office with a loan offer letter. Guy was rude and said i they need my car as collateral, I go why. I had a loan and paid it off, he goes, "We need your car. I pulled your credit report and you have to many inquiries," I go, "My credit's better than when I had my first loan and I paid that off." He goes, "We still need your car." I go, "I don't want your loan," fast forward a year they still sending me offers and doing hard pulls on my credit report without my authorization.

This company is a joke. They are on Credit Karma app and say they will guarantee me 100% approval but when you contact them you are declined. They list 14 approvals and every one of them is false. Never use them.

I usually don’t write bad reviews… but If I could gave negative stars I would! Truly, one of the worst customer service l've ever had… Stay away from GUY ** from One Main in Westbury , NY!!! This imbecile waste my time and lowered my credit score by 9 points in the process.… was approved for a loan and then gave me a runaround… He will never call you back when he says he will, even you leave a message… it’s like pulling teeth for him to call you back! You would have to call him after few days of not hearing from him. “Guy" need to take Customer Service training course!!!! My mistake was to choose him as my Rep!!! What a nightmare experience… Btw, got a loan from another establishment, same day approval and same day direct deposit!

Please stay away as possible from this company OneMain financial. I took a loan with them because I was desperate at the time they were not transparent about theirs interest rate and how it get charged, I learned later on that for the first two years of being with them, they collect interest, and then after that you start paying the principal on the loan.

Updated on 03/05/2025: They are literally the absolute worst, they are liars and the interest is ridiculous. I'm going to be paying this loan forever because of the lies. I have paid over 2K in payments. From what it looks like $600 has gone towards this loan. They have reported me to the credit bureau after 1 missed payment because I have continuously asked for a change in my payment date and they refuse and with that they put my car in to repo. I have every regret working with this company. I am a single momma just trying to make it and they got me good!!! I hope with enough bad reviews and complaints that they some how get put out of business. DONT TAKE A LOAN FROM THEM EVER!!!!

During my time with this complaint, the business DID NOT address what my issue was not once. They responded very generically regarding some applications that I submitted. My issue was never regarding how or when I filled out an application, it was their lack of informing me of their 30-day policy. They never disclosed or informed me until AFTER my application was denied.

I visited OneMain Financial at their local branch located at 20561 Cutler Rd., Cutler Bay, Florida, using their services for small loans that I repaid very quickly. If you have had a successful experience with them, that’s wonderful. However, I can personally attest that this is not a credible financial institution. My loan was paid off in full on February 7, 2025. The tracking number ** confirms that the company received the payoff amount on February 15, 2025 in Cincinnati Ohio.

It's predatory lending at its finest. You'll play hell trying to get out from underneath the loan. The people are nice. But you're getting the Royal house job, I regret using their services. Now I'm 7 years into a predatory loan. Almost gotta paid off. Go anywhere else but this place. It's like making a deal with the devil in the contract. Is iron clad? Good luck to you. If you do decide to use these people I feel sorry for you, could take away one star I would. It's just been a terrible experience. I wouldn't wish it upon anybody.

Too high interest rate 9.5% vs 4.3% from other banks no good... No good, no good... Never again. A dealer linked me. I never contacted them myself. Too high interest rate. They never contact us after paid off.

I took out a loan. After I went on the app and found out the 12000 loan I got was actually costing me 23000 in payments I was appalled. This is worse than a tittle loan. I called and got a payoff on Dec the 10th. Since I paid it off on February the 11th I was charged 491.00 dollars. I thought I was dealing with a reputable loan company, instead they are nothing more than scummy loan sharks. My advice is to everyone, stay away from them. You're going to be sorry for getting a loan from them.

ADDENDUM- AND NOW THEY LITERALLY STOLE $15,575.00 from my savings account. My husband was in an accident in 2023 and two years later they decided to take the insurance payment that was issued to repair the truck because they assumed it was totaled?!! FROM MY SAVING ACCOUNT! My husband wasn’t on this acct & I did not endorse the check. I was led to believe for months now that I have been through enough and if I let them have the money from Progressive they would settle my acct. Once they got the money, the story changed & now they want to charge me $3000 more!!! I have paid them over $30,000 for a $20,000 loan and they just keep taking!!.OMG PLEASE DO NOT DO BUSINESS WITH THIS COMPANY. THEY WILL RUIN YOUR LIFE!

I applied for an income verification loan. They still pulled a hard credit report, asked me ridiculous question. Any 5th grader with a pencil can see that my income outweighs whatever formula they use. Waste of time.

When I applied for a loan that I was told I was highly qualified for, I was asked to set up a telephone appointment. I did so. Not once, but TWICE because the agent never called me. In due diligence I called the bank office and left a message. I was told I would hear from them in the morning. Guess what? No call. So I sent them a letter rescinding my loan request. An hour and a half later I got a notice the loan from 2024 had been denied (I rescended that request due to interest rates). Seriously? These people need to get their act together.

After the initial online application I received a voicemail stating that I had been approved and needed to call to finalize. I call and am told I am NOT approved. Previously I had been approved for a loan with this company with a credit score in the 600’s. This time I was asking for $2000 less and have a 700+ credit score. Their response was “maybe our policies have changed since then”. She couldn’t provide the exact verbiage in the new policy nor provide a date that it changed. Left me hanging when I needed emergency funds until 2 other companies approved me with no issue. I am thankful for the alternate options I had. To each their own. But I prefer consistency and will not patronize OneMain Financial again.

I've been paying extra cause I was told by their rep the extra would go towards the principal and it didn't. Just a bunch of rip-off artists. If I could go lower rating I would. Will never use them again.

I was checking on Credit Karma eligibility for a loan. It says I have Outstanding approval odds for a loan with OneMain. It says I have 56 stellar payments. So I called the branch. They run my credit report and I was not approved. I have in the past like 3 loans with OneMain paid in full. Now I have 2 loans that I have been paying. They do not take in consideration anything they probably use algorithm. I only have in my credit report the 2 loans I have with them + the Brightway credit card. I was explaining this to the person answering the phone and is not like you're talking to a human.

This company has predatory loan practices. They made it sound like I needed to buy into all those programs at first which I found out was not a ONE TIME FEE. I have been paying on my loan for 2.5 years and have only paid down 1500 with monthly $300.00 payments for a 7k loan. Within a two year period I have already paid $7200.00. They did not explain the “daily” interest that accrues on the loan correctly and now I’m stuck in a trap. I plan on getting a loan with another company that isn’t snakes!! This company is a great example of the rich stealing from the poor. They should be ashamed!

This company gets 1 million negative starts below zero!!! I'm warning everyone in the entire world who reads this please spare yourself the agony. Do not!!!! get a credit card with Bright Way/One Main Financial issued through Web Bank. This is a terrible credit card. Let me tell you my experience. First the interest rate is way too high like 29% and when you call their customer service department oh my goodness none of them are trained to answer any decent question. All they do is frustrate you and waste your time or hang up on you. But instead they want all my information 50 question sort of speech but can't give me any answers to my account and act dumb founded.

No stars!!! Predatory lender who stole my identity and is now garnishing my wages for a loan I never had in the first place!!! Consumers please beware of this predatory company that will ruin your credit and your life!!!

Oh, I chose OneMain because I figured if I was going to give my money away, I might as well do it with style. I mean, who doesn't love a good game of "Guess How Much Interest They'll Charge Me Today?" They promised me rates that were "competitive" - if by competitive you mean they're competing with loan sharks for the title of "Most Likely to Make You Cry When You Check Your Bank Balance."

Got a letter in mail that I was approved. That was a lie so I did the application. Got a call saying they will look at application. Waited. So nexts day I call. They said they still working on the application they will call back before they close. Never did. So I call again the next day for them to say, "I can’t help you at this time." People please don’t waste your time because your credit will drop for nothing. Please 🙏 I’m saving your credit!!!! And time because they never get back at you and when you call you will get turned down.

In 2019 I survived a stroke, at that time I had a loan through one main. One main repossessed my truck, sold the truck for more than the payoff of the loan. Never had a check for the difference sent to me. Yet it is 2025 and I receive a 1099c with the interest one main lost because the loan was paid off. I will never go back to one main, you want money even when the loan is paid off. I will be reporting THIS to the BBB. This is ridiculous.

Seems to be a very dishonest business to me. Was told was 100% approved for $29,000 and some cents. They wanted to pay off one of my vehicles for collateral and I was gonna have $11,000 left over. Everything submitted. Tried saying that one of my vehicles was registered under my company. Had to show them the registration which they had that it clearly was not. It was one of my personal vehicles. Said everything was good. The next day they decide to decline me after having me do all the legwork and guaranteeing me that I was approved. Huge waste of time and effort. Do not trust these people whatsoever. Strongly suggest going somewhere else.

Very dissatisfied! I received a mail offer from OneMain, which I applied online on a Monday. After an hour, someone contacted me about the process and instructed me that I was approved and that she would call me back. Several hours passed, and I called her back, only to discover that she hadn't processed my paperwork. I waited on the phone for 15 minutes as she completed the process and scheduled an appointment to sign the papers the next day. The following day, I contacted them to confirm the time and sign the papers, only to find out that they weren't able to assist me. She said their budget wouldn't allow them to approve me because I was getting paid 10 months instead of 12 months! WTW (what the world)....never heard of such thing! Smh. I stated that it was unprofessional of them to waste my time because this could have been handled the day before!...

Onemain Financial in Yakima Washington is the most dishonest loan agency I've ever seen. The customer service is horrible. The gentleman at front desk straight up lied to me to pull a hard credit check. Completely ignored everything I said. He intentionally lead me to believe there is always a chance with Onemain for loans. Also lied on taking hard collateral on loans. As saying they do not. When a online Onemain lady told me 100% they do. Just terrible terrible customer and Completely dishonest. In my personal opinion ,I'd never ever get a loan or even attempt a loan at the Yakima branch. Minus 5. Terrible.

I was under the impression my vehicle was being held as collateral until my loan was satisfied. I just recently discovered they took out another loan on vehicle and that this isn't a collateral loan. How are these people able to LIE TO ME JUST OUTRIGHT like that???? I am disgusted and too old for loan companies to prey on people with disabilities and SSD Income....

I'm in Hawaii. Needed a personal loan. I'm not qualified because my vehicle that I used as a collateral is not that valuable. I only need a thousand. The requirement gotta be at least $1500.00 I believe. They denied my request for the minimum amount because my vehicle is only worth $1400.00. It's very petty. What bothers me is when the company is not being transparent. It says it won't affect your credit when inquiring for the loan. So, people, please know that it does. I made a mistake by believing them. I kept getting notifications saying that I have a new inquiry. This company is definitely don't care about customers. They are out to sponge people for their interests. One a good note, the customer service representative was a pretty nice person.

OneMain in Greenfield is racism. They look to not approve a ** person. They look for anything to say no even when I pay on time payments with them. Bad company for a loan. I learned to never mess with this losing bank ever again. It's Christmas time and I had no time for the lies and games. Lesson learned. I only want to get a loan of it for a new car. Nothing else ever in life.

This is my review for the OneMain Financial from the Waukegan, Illinois branch. I was already a customer with them and was in need of $2,500 loan to assist me. I was told the only way I could get the loan is that I would have to allow them to place my vehicle which I had a bank with warranty coverage at an 11% interest rate. I didn't think anything of it but thought they were being helpful to me. Lo and behold the engine went out on my vehicle and I found on that OneMain did not keep my warranty on the car which made me have to come out of pocket of $5,560. In the meanwhile I still needed a car because I worked two jobs. I told them I needed to be late for a payment because the money I had come up with for not only the engine but another car. I was told I had to pay or they were going to take my car and I would still have to pay for the loan. Which was even worse.

Today, I had the worst customer service with Angela in Tucson Arizona. Every time I wanted to talk, she kept interrupting my conversation. At the beginning, I thought that maybe she was hungry! I work in customer services and I get disciplined by my supervisor if I interrupt our clients on the phone. She does not know how to listen to customers and she does not make any effort to make OneMain Financial a successful business. I had business inside the Air Force at 4 different bases around the world. My employees made me successful at the company. Without good employees, no company can succeed. G

My experience was great. My customer service agent was Amber and she was fantastic. From start to finish she made the process streamline and easy and found a loan option that met my needs. She was very polite, knowledgeable, and very helpful with the process from start to finish. I would highly recommend One Main Financial for your loan needs.

Nice and friendly, I can say that part! Trust their word on their "referral" program... not so sure! I was told that I would receive a $100.00 check for referring someone. They were approved for the loan and I was told right to my face that I was put in as the referral and they would be sending me a check for it. It's 6 weeks later almost so I gave them a call to inquire about it. They told me that I was never put on the application as the referral and they couldn't do anything about it because it had to be submitted the day of the application in which I was guaranteed that I was the referral but wasn't.

I should have read the reviews.. The company is only out to make money of course. If I had perfect credit I probably would have not needed a loan.. and or had to put up my own vehicle to boot. But once they get you .. they will never let you go .. They want to add all kinds of extra insurances you pay only to protect themselves so you pay more.. This is the worst mistake I ever made, if you have a choice go somewhere else. The funny part is they send you constant emails to add more money to your current loan but never actually care or work with you to help.

Did not authorize a hard inquiry. As soon as I saw on the site that it would I closed the site and they did one and now won't stop bothering me calling, texting sending me stuff every week or more. They won't remove the inquiry and won't stop bugging me.

I was approved for a loan. When I went to finalize it Erik was not a professional. His attitude sucked. I decided not to do business with them. I look at their reviews. Got 1500 bad reviews. Be careful before you do business with this company. Erik in Colorado you belong at McDonald's.

These people are terrible and deceptive. I applied, they told me that I was approved for a $7000 personal loan. Then suddenly, supposedly, because of my credit score, I was asked to pay upfront a 49.99 fee, for loan insurance, in order to receive my funds. I didn't do it, and I shut down my checking account, that they had the information for. What a FRAUD

First time was ok by myself. The second time they wanted a co borrower & Collateral. Never explained why they removed my account from my home branch office & mobile app wasn't getting any statements mailed to my house again without a explanation. It's turned real shady probably because there is a Lawsuit on this company.

I had a horrible experience with this personal loan provider, OneMain Financial. Despite being assured of quick approval and funding, it took weeks to get any response. When I finally received the loan, the interest rates were exorbitant, and there were hidden fees that were never mentioned upfront. Customer service was unhelpful and dismissive when I tried to address these issues. I strongly advise against using OneMain Financial.

I seen according to Credit Karma that I had great chances in getting a loan so I thought "ok, filling out a application couldn't hurt". Man, I was very wrong. I gave them my info and they said they'll get back to me. Well, not only did they not get back to me but, got a hard inquiry also on my credit. The very next day I got an alert from Transunion and Capital One saying my SSC number ended up on the dark web.

Absolute joke, scam and a waste of time. Spoke to a representative after my application was sent on and gave them more info. Had me link my bank for “payment” then made my submit everything that your name is on basically. Only to decline the loan and just not tell you. Instead they send you a letter after going back and forth for days submitting multiple documents.

Got a loan through them a year ago. Paid it off and when I tried to get another one with better credit, they denied for vehicle not worth enough, the same vehicle that wasn't worth enough for the first loan but not for the second. Different loan officer is the only difference. I didn't want to use them but didn't have a choice. Now I don't care. Never use. Untrustworthy.

One of the worst experiences I’ve ever had with a loan/bank service. One Main financial services itself has horrible times for customers who have strict schedules. They are very unaccommodating and do not work well with military personnel. Customer service is mediocre at best. Person on the phone clearly stated that they are understaffed within the branch and that I’d have to call back or make an appointment because she had another customer on the line like I wasn’t already on the phone. I would not recommend them for any loan or financial services unless you are a very, very patient person and have time to play phone tag with several different representatives. Lastly, what you get approved for or pre-approved for online is not what you’re actually going to get when you talk to one of these representatives if you ever reach one.

This company sucks. Do not go there. They are nothing but liars and thieves. They had a loan. It got paid off because my car was total. Between my insurance and gap they saying that I still owe. When you add the 2 up I actually overpaid and then I have the app and it lied saying I have a interest bearing loan which I don’t. I have a recomputed loan and it also said that I had a refund and it was paid not to me. They said the interest is where it went. Liars!!!!

I applied for a loan. They ran my credit. I clicked on the loan I wanted, with the terms I needed but when I accepted it, they changed all the terms and would not give me the loan I was approved for after my credit had been ran. Then continued to lie over the phone.

Horrible company to deal with. They have 3 divisions and none of them talk to each other. My son was rear ended in the vehicle we had a loan on and it was totaled, the other driver's insurance paid the Blue Book amount and the gap insurance paid the rest. Then they came up with a mysterious charge of 25 bucks and said it was because I paid my bill and had insufficient fund and they said it was from months ago and they decided to put in on the end of my loan, this is not the first time they claimed insufficient funds despite proof from my bank that it had been paid on time. So the car was taken by the person's insurance on September 18th and because I owed a check charge of 25 bucks they tried to charge me 400 for insurance they added to the loan.

Stop applying for loans here. Information is confusing on where the principal goes. They said is computerized and that's the reason why they can't provide you a clear understanding on how much goes to the principal. If you applying for 5,000 you get charge 5,000 on interest and all your monthly payments goes to the interest. When you ask for explanation, they will come with some kind of confusing explanation justifying that the whole amount goes to the interest. If you want to make payments to the principal, they said no because will go first to the interest. You must pay the whole amount you borrow, because if you send 500 dollars per month extra will go to the interest and not to the principal. If you are leaving by paycheck. Please don't apply for any loan in this company. Trust me you will be ending paying double the amount you asked for.

Don't do it! They will not explain EVERYTHING fully. They will push you into the loan. Do not do it! I am stuck with a car I need to get rid of, and I cannot. I am so close to them repo'ing my car. This is your warning, DO NOT GET A LOAN WITH ONE MAIN FINANCIAL!!!!

I’m rating them low because they called constantly for months for me to speak with them. I finally decided to give them a chance. The guy said he was doing a “soft pull”. He pulled my info. Looked up my information. At the end wanted me to sell my debt and basically pay them. No offer of a loan. The guy was nice but when I seen the “soft check” had decreased my my credit score by 20 points. That was crazy. I definitely wouldn’t have ever spoken to him. Just to get the run around and it to hurt my credit score. I don’t know why they rub me the wrong way but I should have stayed. Not trusting them.

Stay far away from this company. I went through the preapproval process that clearly states several times on the website that it will not hurt your credit only to get a preapproval offer and hard inquiry right away. I never agreed to the preapproval offer yet they still managed to pull my credit. I’ve done the same exact preapproval process with other lenders and they honored their word that they will not pull your credit unless you choose to go forward with the offer. They are deceitful and dishonest. I sent a letter to them back in June 2024 and didn’t hear back until September 2024. It was Sheila ** from the executive office of customer care who reached out and stated she would “investigate” this issue. She reached back out the following week only to tell me that they were not going to remove the hard inquiry because I authorized it. She failed to perform a proper investigation and did not address any of my concerns or resolve the issue.

Does not take responsibility. Took a payment unauthorized from my account and want me to prove payment was taken twice. You would expect an apology and "We are putting your money back." Instead they want me to go to my bank and email them my statement. The people are worse than a used car salesman. Stay away. They take advantage of desperate Americans.

I had to take a personal loan out in order to get my roof repaired. Getting approved and getting the money was easy. However, when you set up an account with them you can't adjust anything online and they have you set up for automatic payments. Unless you call the call center you won't be able to edit any payment arrangements. It also doesn't allow you to make your payment earlier than scheduled and it just give me a hard time. The interest rates are also ridiculously high and adding more into the loan than what you asked for. If it is your last resort try and go somewhere else if you can.

I have been a customer for over 6 years. April was very professional and showed me in detail what services she could provide. I will always do business with One Main anytime that I need loan. The service has been consistent over the years. I recommend One Main.

If I could give zero stars I would! These people are TERRIBLE! I suffered a traumatic injury in February of 2024 that required major surgeries and rehab of over one year. Because I was so badly injured I was let go from my job. I called them right away and let them know what happened. They told me to pay what I could and I'd be ok. Several months later they did a "modification" and I continued to pay. Two weeks ago out of the blue I receive a text that my car is in repossession! I immediately called them.

Was preapproved for up to 9 thousand dollars. Filled out everything that they asked for, sent proof of everything that they asked for. They called me back. I let them know. I do not have a car which is why I was requesting an unsecured loan. I make over a 100000 a year 75000 of which is taxable. And when they found out about my seizure disorder, not allowing me to drive a car. Or own a car. They refused to continue forward with me but are still sending me text And emails saying that I am preapproved. Awful human beings.

Broke my ankle in August. Failed to make two payments due to no work no pay. Contacted office. Branch manager Angela ** unprofessional and with attitude tells what I need to do. I would not recommend this particular office to anyone. Customer service is key. She needs classes on how to talk and handle people's accounts.

Really bad company. They asked for all my paperwork, approved the loan and I never heard back. When I called them back, the person that processed my paperwork had been let go and the loan was subsequently denied. The second person I spoke to was rude and not helpful.

Approved but one thing need to have my truck title... I don't have own truck cause I am on payment.. They didn't approve .. it's stupid... I feel helpless cause I need to loan my all credit off then make one payment would be easy..

One Main Financial has called me a day before the payment was due, at work, when I’ve told them not to. When I’ve been late they will call from many different locations throughout the day. I've had them make six calls in a day from four different locations. When you can’t make a payment on the exact due date they pressure you to commit to a date and set up auto withdrawal or set up a deferred payment or they even have set up a couple double deferments and they charged me $243 each time you defer on top of the interest so a loan that was supposed to be completed on October 2025 is now completed on Mar 2026 and I paid $1215 out of pocket to be able to obtain a deferment. I said no-one told me that, then the rep read this convoluted disclosure statement that didn’t give a specific amount and was just confusing.

After submitting all the requested documents my account was hacked. Please be careful with these people. I would not recommend them to anyone. They are crooks. They pre-approved me then requested bank statements and more just to deny me with no reason for a denial.

OneMain Financial by far I mean by very far is the worst financial “help” you could ever get. Don’t read this and let it go in one ear and out the other. They are 100% loan sharks just without being able to physically hurt you. You will be better off borrowing from your friends and family. If you have nobody then TRUST ME just find any other company to borrow from.

This is one of the worst companies I've ever worked with before. You can call and speak with 1 associate and instead of passing communication along they call you consistently about nothing when the notes should already reflect then get upset when you tell them how incompetent and inconsistent and inconsiderate they are. Run far as you can do not apply here. They will not help you only hinder you.

The worst loan company out there honestly. They say you are approved but then deny you if you owe anything on your vehicle. They will run your credit, go through documents and everything else that they need to do and then say they cannot give you a loan based off any amount you own on your vehicle. It is literally a waste of time.

Crap company with selected reviews on their website. Go anywhere else! I’ve already talked one person into going to the credit union and they got a much better deal! These people are sneaks that are full of it!

They are a con had a high credit rating looking for an amount half of what I was approved for they pulled my credit and told me that the most I could get was 1/10th of what I needed. So they pulled credit which hurt my credit score to basically tell me I'm not eligible for what I was pre approved for this is not the first time I have dealt with them but it is the last.

They messed up in maybe every way possible.. Not only do I not have the loan as they messed it up, I now have a hit on my credit from an inquiry. Thank God the loan wasn't desperately needed, though now my credit is damaged for quite some time from that extra inquiry. Basically they screwed up and screwed me. Here's what happened.

If I could give zero stars I would. They have the worse customer service I have ever experienced in my life. I’ve asked direct questions and followed exact instructions by the representative and they continue to lead you down the wrong path just to defer one payment. The tone of voice is nice nasty and there is no professionalism whatsoever. My information was given to other branches in texas so collect a payment that was not due. They all thought it would be funny to play on my phone all days long from sun up to all hours at night.

This company has very bad business practices. I pd off my card. The payment on the app shows posted. My bank shows payment cleared. I called them and they say the payment cleared. Payment was on the 16th yet funds will not be available for 2 weeks after payment cleared and posted. This is not right and very bad business practice. I have cut ties with them. I will not ever and I hope no one else does, do business with them again.

I'm literally in tears right now. I feel like a 5 year old being scolded because of the heartless rude person I called to set up my payment with just a few minutes ago. I have never missed a payment with this company. I may be late every month, but I make my payment! If anything you'd think that they'd appreciate getting a late fee every single month! However, I get the same woman on the line asking me, "And why are you late this month again??!" Why I'm late is nobody's business! I'm a single mother who gets no child support and works two jobs. Most months I have to choose whether I pay my rent or car payment.

Made a credit application, was approved for 15.000. Made a hard pull and told me they can't proceed without a lien. My credit score went down for this illogical progress. Stay away from this company. They lower your score unnecessarily.

OneMain was absolutely amazing in the past but not sure what happened but Customer Service is absolutely horrible. They closed the branches around us and the one assigned to us is absolutely lazy. I scheduled 3 phone calls with them and no one ever called. I called the branch and was told that I will receive a callback in the next 30 minutes….this was 3 days ago. Same happened to my husband. We won’t do business with them anymore.

The worst experience as a 1st time ever needing a loan. I requested a loan due to my car being towed, I had to cancel my application and now! I'm losing my car because of the lack of communication with the agents and Danielle ** was RUDE when I asked for help. NEVER would I recommend them.

My wife tried to get a loan but was declined. OMF had the idea to add me to the loan. I was skeptical and was right. They decided to add my wife's car to the loan. They sent me a link to upload all the documents. It didn't work. We had to then send them thru my wife's phone. That was over the weekend. Monday comes and l took the day off work expecting to go there and finalize everything. But l was wrong. The requested l resend some things. Then called because my pay settlement not pay stub was weird. I am a 1099 employee. They called back an hour later requesting my tax papers, which were at the tax office. I was told to get them or the loan offer was off. Like l said l took the day off for this and in the afternoon still can't get in and what l gave them wasn't good enough. Yes! I blew up because they don't know what a 1099 is. And told me to get the tax papers or no loan. I don't take kindly to a threat.

Prequalified online and was in process of uploading documents when a representative called me named Robert from the Catonsville office. He was polite initially as I asked him to hold on while I was speaking with my daughter. He casually asked how was I doing and what did I need the money for. Casually...I mentioned my daughter was going to college in a month and I wanted to tie a few loose ends, etc. He said, "We don't give educational loans!" I asked him to repeat himself because I was completely confused because I did not need an educational loan. He went on saying how this loan process is now terminated because I was on a recorded line stating I needed an educational loan! First, he never stated the line was recorded which is a violation, then they ran my credit after he told me the process would not move forward! Maybe they did me a favor, stay away!

Their service is very bad. They can’t even make the appointment on time as specify. Sometimes they even call earlier than expected, usually within 16-24 hours before originally. I was disappointed, especially as I was prepared for the meeting via phone, as they promised they’ll call me at 10:00 AM and finishing at 10:20 AM, as I planned. Only then, I received their call at 10:30 AM. I told them why so late to call me, and they claim how their appointment times is disorganized and behind schedule. It is important to be on time as planned, especially when most people have limited time, and they are desperate for their loan approval. In this case, I wouldn’t recommend OneMain Financial for their disorganized planning.

I would never borrow money from this lender again! 4 year loan was paid off in 18 months and never refunded any interest I should’ve had coming to me. Do yourself a favor and stay away from One Main Financial! I know they have some lawsuits for unpaid interest customers should have coming to them.

My experience with the staff at One Main was awesome.. The staff at East Montgomery office were so helpful… Kudos to Shay, Aimee and Cheryl for being the best at their jobs…5 stars ⭐️⭐️⭐️⭐️⭐️ Shay assisted me with financial planning and made my financial stability a lot leaner.. I appreciate the offer for assistance to make my financial stability better…

I applied for a loan through Credit Karma and was directed to One Main. Initially the woman I spoke with was nice she told me what documents were needed. We had to add my husband since my salary wasn't enough and also add his car as collateral. Next thing I know I'm speaking with someone else and asking for the same documents that I uploaded the day before. I uploaded everything again. This new person told me we were approved and that we can set up a day/time to go in and finalize.

I’m so impressed with Kimi. My identity was stolen from a data breach through Equifax. I have had loans taken out in my name, places I have never heard of saying I was trying to get a loan. My credit score went from 820 to 560. Total destruction of my life. I could get a low interest loan anywhere and now I can’t get a loan for a candy bar. I swear. Equifax has done nothing for me. I thought I would try for a loan at One main Financial and I was lucky enough to have Kimi as my loan officer. She listened to me, even though none of this was her problem. She was so kind and understanding. It is so embarrassing to know that your credit score is so low when you work to make sure you have good credit. Then there’s the judgement of businesses because your credit score is so low.

Ignore their emails that state pre-approval. Ignore the page that says you’re approved we are about send your loan documents. Finally don’t call them because it's like working with a bored child. However this unnecessary rude behavior actually saves you 30, 000 dollars over the life of the loan. Thanks Liz. :) God used you to spare me. Lesson: Man makes plans, God decides! I will never go back.

I have always paid My Loan on time, but recently My Son was killed in a car accident and My Family and I have been trying to raise money for His Funeral and burial, We thought He had coverage and didn’t. One Main called several times a Day, one Lady hung up on Me while trying to explain and I burst out into tears. A couple People sent Their Numbers and extensions, I called back with no return, yet One Main made sure for one missed payment, that gave Me a bad review on My credit score. PLEASE NEVER DO ANY KIND OF BUSINESS WITH ONE MAIN!!! Once I’ve paid off My Debt and this was My second Loan, I WILL NEVER do any type of business with ONE MAIN EVER AGAIN!!!

If you guys can run do it. Don't make any deal with OneMain Financial. I lost my job on May and called them to use the insurance I have in my loan. After filing the paper I called them to find out I don't qualify because I didn't file an unemployment application. What the heck? The insurance in my loan was for Unemployment insurance, the one that I can't use now. Even that when I lost my job they told me, "Oh you have insurance. Check your email and fill out the papers." I've been 2 month looking for a job and I explained to Onemain, their solution was to do half payment and then next month they see what they can do. Then why they offer those "insurances" if they are useless.

Had a terrible experience with the Bedford, Indiana office. After paying off about 75% of my loan, I was told over the phone that I could not apply for a different loan. I should have been told apply and see if I it is approved or denied. I believe this is a federal violation but the good ‘ole boys in Indiana don’t support a State of equal treatment of genders. Don’t do business with these scoundrels. Not worth being treated a certain way based on your gender!

The customer service at this company is absolutely terrible. They kept me on hold for hours, making the entire experience frustrating and time-consuming. The interest rates they offer are among the worst I've seen, making their financial terms highly unfavorable. Additionally, the process to finalize a deal with them is incredibly cumbersome and inefficient. Every step felt unnecessarily complicated, dragging out what should have been a straightforward transaction. The staff seemed indifferent to my concerns and provided no helpful guidance or support throughout the process. It was clear that they prioritized their own convenience over customer satisfaction. I encountered numerous issues, from miscommunications to unfulfilled promises, which only added to my frustration.

If you do not know how One Main works, beware. The interest accumulates daily so you just keep paying more and more on your loan. This is one loan I’m glad I got free of. I was paying principal payments double but it never helped any. Unsatisfactory business practices.

Lies. All lies. If you need the money that bad go somewhere else. They say they don't do hard credit check, that's a lie. They said minimum 630 credit score, that's a lie, I have 700 and I was still turn down. I lost 16 points on my credit score because of their lies.

Whatever you do, don't use this company. You'll be paying double to pay it back, total rip-off!!! Taken advantage of people in a huge way, on top of it halfway through your loan they keep calling and pushing you to take more money like a salesman that doesn't go away, filing a complaint with Better Business!! Don't use this company or you will be struggling even worse!!

I needed a small loan ($4-5k) and applied because it said I was already approved for either a secured or not secured option. I marked that I do not own a car or vehicle and selected the not secured option and it sent my application and pulled a hard check on my credit. It then asked me to upload proof of vehicle registration for my secured loan even though I had repeatedly marked that I did not own one and when I finally spoke to a representative they told me that I actually did not qualify... So now I have no loan and a hard inquiry on my report.. which means it will only be harder for me to get an ACTUAL loan. THANKS.

This is a terrible corrupt loan or should I say predatory lending company, very rude and preys on people in need, I took a 15k loan out on my 30k valued truck and after paying on it for two years I broke my back and had to have back surgery. After a few missed payments they came like thieves in the night and repoed the truck. They could have just called me and said turn it in until you pay but nope that would be too civil. After coming up with 3500 because it apparently cost over a thousand dollars to tow a vehicle I somehow owed an additional payment 5 days later. Well obviously I got behind because I just gave them almost the cost of a small car, I called them to let them know I would have difficulty paying and they said, "Call back when you can pay."

This is one of the worse loan companies out there, please consider other options before attempting to do business with these thieves. I'm currently paying a loan I took out 4 years ago at $375 a month and only $41 goes to principal. My loan was for $14,000 and I have already paid back almost double that and still owe $5,800 more. At $41 principal per month, I will pay back almost $40,000 or more by time I'm finished. I went somewhere else and got the money to pay these thieves, the new company is a fixed 35 payments none of these hidden fees by this company acting like a loan company. Please stay away and consider other options because this company will have you financially ruined for years.

Bait and switch. Offered a loan with my vehicle as collateral. Ran my credit, then offered to refinance my vehicle with their company and a loan for 1/3 of the amount. Don’t use them, they are terrible.

Good credit (at the time 766) for a $3000 loan landed me a 18% interest rate???? Vehicle had broken down unexpectedly leaving no time for car shopping, found decent van and the sellers used OneMain Financial as the finance company. Had I been in better circumstances I would have shopped around for a loan before taking whatever offer I could get without jeopardizing my transportation to and from work daily, THIS COMPANY IS PREDATORY AND KNOWS IT.

This company took full advantage of me. I have learning disabilities and really did not understand what I actually signed up for. This was in Feb of 2021 and I borrowed 4000 dollars. The payments every month are 167. And One Main said my pay off date is June 2025. That is over 8000 I'll be paying back on this loan. When I try talking to one main about this they say I agreed to it. "So sorry about your luck." I've already have paid over 6000 on this loan so how is this legal? They even have my title to my truck. I have never been late on my payments and they told me if I wanted to pay it off it would be close to 2000 dollars. How is this possible when I've already paid over 6000 on this 4000 loan. Someone needs to look into this place.

In my very personal opinion, for me it is the most lying company within this nation, hidden charges, they do not explain well what you should have when putting the application online, for me they do not serve as a company, liars.

I applied for a loan on Credit Karma and guaranteed a loan by this bank. My income was correct, everything I did was correct on the app and so I was for certain believing this was ok. I disregarded other loans because I was certain everything was going to go through because it was guaranteed through Credit Karma and they said it was approved!. Everything was looking good and I ended up having to call them because they didn't call me which they were supposed to. The representative on the phone made me re-Explain everything and was snarky and rude. She told me I don't have enough income to get the loan. I said, "Then why was I told by you I was approved?" She talked to me like I was stupid and said that, "While you were approved, your income is too tight." How is that approved?

Avoid them and look for a more honest finance company. Also they won't take you off calling list when trying to get ahold of other people's loans. They say I'm on the don't call list but still call 2 to 3 times a day looking for my ex. Tired of stop working to answer their call looking for my ex.

Unfortunately this is not my first time dealing with this company. After being approved for a loan from this (predatory) lender, I found the staff in the Westbury, NY office to be VERY rude! The Government should look into their practices. Apparently they feed off poorest of people & Senior Citizen.

The payment are not as scheduled. Overdraft bank account. Did not authorized any extra payments… Class action filed against OneMain Financial for using robo-calls in violation of the TCPA. MARCIEL v. SPRINGLEAF FINANCIAL SERVICES, INC.

Have a current loan with them. Staff at local office in Cedar Rapids Iowa not friendly at all. Short words, rude tone and when you got to see about rewriting your loan they are quick to deny. Working with my current bank to get out of this company. Would not recommend. They are not the friendliest to speak with.

Their website will say one thing and the agents will completely qualify you for something 1/10 of that amount. Also, they are a loan shark company, so pay attention to their % rate. I just hope CFBP would look into this business soon.

After a painless and easy application process, two phone calls with an agent who seemed to understand his companies offerings, my needs as a client, and a formal application approval, I was given a verbal quote over the phone, with an agent named Alexander **. He went by Alex. When he verbally quoted me, I said "that sounds like a good offer, can I get it in writing?"? He promptly said OneMain doesn't like to offer written quotes but that the offer was locked in through underwriting already, my income and bonus requirements were good, my credit score was good and he had no concerns. I said okay, let me call you back tomorrow after considering it.

This company is bogus. Had to use my car as collateral, I canceled in due time. A nightmare began as they are doing everything possible to try to keep me in a loan I canceled in time. They gave multiple excuses on how they can't reverse the title loan. Customer service is no help. They was instructed numerous times from my original title holders on how to reverse. They won't comply so they can collect interest.

This is a company that when a insurance company pays out and to offer to pay the balance before the insurance or after, even though they are getting paid in full they still want to repo the vehicle, if it's paid in full what gives them the right if they have there money, all I can say is run, I would rather go hungry than ever deal with them again!!!

I have paid my loan off last year and now they won’t give me another one. So the excuse are too much accounts, or I don’t have enough funds, or my car wasn’t year they want because it was 2024. I was always on time on my payments. Because I like it they pull it out of my account. My credit wasn’t perfect in the beginning and yet I got a loan in the first place because Ruby help me. She was great and now I’m getting denied two times it’s wired because I thought by being on time and paying it as we go and pay it off before the year and I didn’t have “NO Problem“ but I get denied. “So if this bad for a customer who paid her loan off” on time a bad person “SORRY”. I like to pay things off when I had the money in hand. If anyone ask me about OneMain “I will note don’t pay it off fast because they won’t give you a chance to get another”… Because they won’t give you another chance to get one….

I would only consider OneMain if I was in desperate need of money with no other options. I responded to one of their advertisements when I really needed funds. They told me I qualified for a secured loan. I only owed a little over 5,000.00 on my vehicle and intended to pay it off within 5 months. The only way I could get the money I needed was to use my vehicle as collateral which I had done before. In other situations there was simply a lien placed on my vehicle. They required me to refinance the vehicle through them. I was told on several occasions that I could pay off the vehicle amount and get another vehicle if need be. I was also told I could purchase a vehicle through one of the dealerships they provide financing for.

If I could give NO stars I would! Spent literally days on this, always having to give "one more" document. Gave personal info, bank accounts, tax returns, 1099s, car title, car pictures, license and even had to my auto insurance (more$) to suit them. In all I uploaded 25 documents. Was told loan was approved, set up auto pay THEN suddenly was told they could not confirm my identity!!! I am 96, have lived at same address my whole life, pay taxes, a Korean war veteran...The loan was only for $4000 not $4 million. I think this was a clear case of AGE DISRIMINATION!!!! Side note-Customer service rude nasty and not helpful! My advice: DO NOT USE One Main Financial!!

Oh my where do I start? Rep always threatening me what they will do if I do pay and the company didn’t honor insurance that I had when I had my heart attack nor did they reimburse me when the insurance was cancelled but always telling me if I don’t pay in which they owe me money so this company will have your blood pressure up. They say one thing and do another. This is not worth anyone’s health. Rude, disrespectful, aggressive then they laugh at you. They lie about what’s going on to try to take money.

I already have an existing loan! After receiving so many pre-approved emails, I applied on 5/3/2024 in the morning. I was approved for a $6600 unsecured loan but needed to consolidate my existing loan. I spoke with the specialist and discussed my finances, and everything was fine. All of my information is the same! My specialist was supposed to call me back, but he never did. I still have not heard from him. I was given the runaround after being told that the underwriters had cleared my documents and that I needed to wait for my specialist to finalize everything. I called back around 8 p.m. after not receiving a call back and spoke with a new representative. He informed me that they are requesting additional documents, such as my passport and PDF versions of my pay stubs and bank statements. When I questioned the abrupt change, I was told that they needed to confirm that it was indeed me! All of my information is the same!

I was pre-approved for 10k at 11%. Didn’t need the loan but thought it would save me money on my credit card. They came back approved for 23%. My credit card is 21% lol. So obviously I passed on the loan.

Hi- I set up a loan 4-19 with my first payment being due 6-4. The manager failed to enter it correctly and is now not answering emails, calls, and any other contact method. Now my account is overdrawn 300+ dollars due to this fraud. I have been emailing and calling both the memorial store and corporate office but to no avail. The memorial store fraudulently sent a payment through my bank account a month before my due date and nobody is responding to let me know when my refund will be issued.

I got a loan from One Main using my car as collateral, when a hail storm hit and my car was declared a total loss, I spoke with several sale people at One Main and was told not to worry that they would help with my next vehicle. After my insurance paid out to them, that's when the nightmare began, not only did they not help, they refused to lower the balance of the remaining part of the loan, that had over three years remaining, but at their present rate would be paid off in 18 months. So please beware if you happen to have a secured loan with them.

I borrowed money to consolidate debt 3 years ago. Been paying 400.00 a month that long. Never late until recently. Pay off is still higher than original loan. Unfair business practices. Interest rates go up and up no end in sight. This practice should be illegal.

Awful experience, not only did the Orlando branch lose my application multiple times or use the wrong application, they continued to run hard inquires over and over. Staff is not knowledgeable, I was denied on my own and tried to use a co signer, they kept running the original application with just me on it, instead of the new one with a co-signer. I would ask why I was denied by myself and they legit said "I do not know, the computer doesn't tell me". It's a joke honestly. I don't even know how those people are still employed. Morons!!!!

I was pre approved for a loan I sent in the documents. The woman in the office told me I qualified for a higher amount over the phone. They ran my credit report 3 times in a week to offer me a third of the original amount I was suppposedly already approved for? What a joke. Crystal can't even call you back.

I researched online loans and OneMain Financial popped up. I filled out a few brief questions and uploaded my most recent bank statements because I am retired. I noticed my car came up on their website as collateral for any loan. I was only requesting $10000. I received a notice that Ana would be calling me at 10 am on Monday, April 22, 2024. Ana actually called me about 9 am instead. I was available and when she spoke she asked me what I would be using the money for if approved. I mentioned that I intend to move out of state. Ana had the audacity to tell me that that might be a problem because they don't generally loan to consumers moving out of state because they would have to transfer the loan to the new state.

Complete Scam loans, they don't let you see their pay off amount through the website, the website is always down. My interest rate is higher than what they said I was approved for. They are a complete scam company.

This is the worst company ever to get a loan from. They gave me a loan and made me pay 3 times of the money borrowed, when I almost finished to pay they're trying to take the recurring money in the first week of the month and never change the balance. I actually had 450 dollars left since February, I paid February, paid March and in April first they already set the money pending for the 17 and my balance grow to 480 dollars. I never miss a payment. I don't recommend this company to anybody, what they do is stealing poor people's money. Shame on you One Main.

I received several emails from OneMain Financial stating that I was pre approved for a loan. After contacting with them I learned that I was not pre approved for anything, I had to go through regular long process which was very misleading. Sue who was responsible for that was very rude and unprofessional. Do not do business with them, there are better places out there.

Ali made my experience very smooth, easy and worked with me to get the loan approved. Best experience ever with a OneMain Financial. I highly recommend contacting OneMain Financial for all of your Loan needs.

If I could give zero stars I would. They have the worse customer service I have ever experienced in my life. I’ve asked direct questions and followed exact instructions by the representative and they continue to lead you down the wrong path just to make a payment or set up direct pay. The tone of voice is nice nasty and there is no professionalism whatsoever. My representative basically told me we are on a recorded line to basically not make her look or sound bad! Either hire better representatives that actually care about handling the customer's issues or close your company.

Unfortunately, I did NOT submit an application and yet they pull a credit report. I called for information and they said when I entered my name I agreed to have my credit report pulled. This is fraud and this is NOT the way to do business. I am very disappointed in this company and will not be moving forward with them. I will be calling my state's attorney general.

I've been around a long time, I worked my arse off since I was 15 years old, crawled through mud, the blood, and sweat for over 47 years, I've been brought down from the best of the best and failed so many times. I am a ** American. I never had a chance so I saved my money over the years and finally bought a piece of property with cash. I found a good deal on a backhoe to clear my land and went to One Main to borrow a measly 2500 for the backhoe and was turned down with a credit score of 735. Now my credit score is 730. Thanks to One Main. I'm 64 years old but that's ok I will have fun driving my backhoe anyway. Don't need One Main. And just a word of advice, don't give anyone the benefit of the doubt...JBD

These guys are a nightmare. A million calls, texts, emails, document uploads. And I have 740 credit. Now they want me to go into a local office with more paperwork. I just gave up and told them to cancel my application.

I got a pre approved offer for 10k and 16k, they ask me for many documents, they run my credit twice and then, they tell me they can give me the loan because of they can verificate my income, wth??? I work for a company with w2 and I have an small business, I was only looking to get an extra cash for my moving expenses! They damaged my credit score, worst company!! I'll give 0 stars if was possible!!

I took out a loan with them used my motorcycle as collateral, I was making good money until I got laid off for 3 months, no money coming in, was denied unemployment benefits, told One Main this. They said they'd work with me. Wrong. I finally got a job sept 2023 but was making way less than I was making. Told them that and was only able to make $200 a month because that's all I could afford. Since I was hired I was paying $200 a month regularly they harrassed in calling me every day. I even told them that I wasn't about to accept phone calls during the day and shut my phone off, I hired attorney to stop that, then they put my account in repo and to call to make payment arrangements, I said I've been making payments ever since I started job but $200 a month, stay away from this company.

They need a class action lawsuit on them for sending out all these flyers for people that get a loan by putting your code in. If that isn't a scam what is. I filed one but I need some backers. That will take care of their misleading practices.

I currently have a loan with the company. I acknowledge my credit was horrible. My pay off is currently more than I borrowed in total and had the loan since 2017 and currently paying 255$ by weekly!!!

My wife was diagnosed with lung cancer in February 2023. Later I accepted a pre qualified offer from them only to be turned down because I am self employed and they do not know how to read tax returns. Several months later got another pre-qualified notice and turned down again for the same reason. Keep in mind they did the hard credit pull before they did the financials so did nothing but hurt my credit! And keep in mind I had 2 loans with them before paid in full and no late payments. And I was self employed then also. And they are still sending me pre-qualified notices. They are very predatory and a horrible organization! Who does that to people in that situation? Stay away!!!

My son took a loan out online without really understanding the terms. OneMain (aka Loan Sharks). Have to be breaking the law for multiple financial inconsistencies and misconceptions. We tried to consolidate the loan to a lower interest credit card. We were told this isn't permitted with no details as to why!!! We are making a formal complaint to: Complaints to OneMain may be made to Executive Office of Customer Care, P.O. Box 1170, Evansville, IN 47706-1170 or by calling 1(888) 864-0332 https://www.onemainfinancial.com. As well as to the BBB.

Debited my account for 3 payments while they were getting insurance payments as well. Account was paid ahead until 3/1/24, but attempted 3 debits of $285.50 between 2/2 and 2/14 causing my account to be in the negative for 2 weeks. I lost a $3k line of credit with another company because One Main Financial kept making my payments bounce. They committed insurance fraud by taking money from me and the insurance company, and are now trying to debit nearly $300 of money they aren't lawfully owed.

I would be very careful when dealing with Onemain Financial. They received fraud applications in my name and placed THREE Hard Inquiries on my credit report lowering my FICO by 22 pts. Thanks to CreditKarma, I was informed and able to Freeze my report and head off the Fraud. Several Companies also were duped and gladly helped me clean up my credit report. Onemain Financial, however, refused to do so. In their arrogance, they refuse to accept that fraud happened and refuse to remove their unauthorized credit hits on my report. 5 letters and 3 phone calls to Onemain and they refuse to correct their mistake. Not a good company to partner with.

To preface, I do not want a loan, I do not need a loan, and I have not searched for any kind of loan services in probably years. I've received 5-8 spam calls from these people a day for the last 25 days or so. At first they were humans so I was able to politely ask them to remove me from their call lists. Now they are just the same (depressing sounding) recordings, so I don't even have the option to talk to anyone. I block the number of every call I get, and at this point if you look at my call history I literally have hundreds of calls from One Main Financial, from well over a hundred different 855 numbers. I'm on the "Do Not Call" federal registry and have even reported their spam calls on the federal website and still get spam.

I used to work for OneMain Financial years ago plus I had an loan that I used my auto for security. Since then I have paid off the loan. I have improved my credit tremendously since I acquired the first loan. I was wanting to get $2500 to payoff a few small credit card. I was turned down without any explanation. My income/debt ratio should not have been a problem. They were not very helpful. Credit Karma had said that I had an "outstanding" chance of approval. I think this is a misrepresentation on both companies.

Only a two star because they called me back next morning. I’m an older yet considered a smart educated older male. They use the bait and switch with qualified offers. Yes I was approved. I have an average credit score of 750 with no late payments or defaults in loans and credit cards. They send a prequalified offer of 14.45%. You apply and get approved and guess what it jumps to 18.6% for 5 years. Not bad almost $3500 interest. Not bad for someone that is desperate that is. I asked where the 15.4% I was offered at 60 months.

I have had a OneMain Financial loan. I had the payment set up to come out of a specific account. The funds were not there and now they have taken the funds out of another one of my accounts without me providing them the information to that account nor giving them authorization to do so. Please keep in mind this account is with another bank. I am extremely concerned as to how they acquired this information and are able to do this without my permission.

They are not a good company to do business with. One issue is that they do not report the payments you make as they should. My credit reports show nothing past May 2023. When I disputed this, they updated June & July with "-". Here it is 6 months later, and they haven't updated anything. So now, Credit Karma comes up and tells me I missed a payment when I pay early every month. I'm tired of disputing them constantly because they can't do their job. On top of that they have super high rates around 25%.

I’ve had loans out with OneMain for over 5 years. I’ve even given extra payments. Today I tried to apply for 3000. It said I was approved. I uploaded everything. Then they said my income wasn’t enough wait. But you see I’ve never been late not once and given extra payments several times. Don’t go with them. I live alone. WTH. When I needed them they weren’t there. I’ll take my business elsewhere!! Don’t do it!

One of the worst "money lenders" out there! I would almost say find a loan shark on the corner because you'd be "almost" better off. They have horrible high-interest rates even with good credit and very high payment for small loans under 20k. Absolutely insane... Like James Bond they say Never say Never. No I absolutely say Never.

I filled out all required information at a car dealership. Was told I was approved and once I sent over additional information I was denied on $6000 car loan and asked to have a co signer. They hit my credit report three times giving me a decrease on my credit report.

Was sent an email saying I was pre approved for a loan, decided to give it a go assuming it would be a simple process since I have had loans with them in the past. Nope. The pre approval was a lie and it seems like all they want to do is make a negative impact on your credit score! How can a company be so shady and dishonest without the government stepping in and doing something? This is the wrong way to go about business if you’re trying to keep existing customers and gain new ones.

I was shopping around to consolidate. Applied through a 3rd party website that stated they do not do hard pulls. Next thing I know OneMain Financial did 2 hard pulls on my credit without my permission. Someone from this location did call and I stated I was still thinking about what I was doing to do. Not once did I give them permission to do a hard pull on my credit. They did a hard pull 2 times. Oct. 9th & Oct.11, 2023. This was completely unethical and illegal.

This is an extremely unprofessional and shady company. I applied,sent in all requested documents, and was told I was approved. Then three days later, a representative called me to go over the all the details and while putting me on hold for twenty minutes told me I was denied!! Don't go through them, they are not what they represent!

I have been a loyal customer with OneMain for several years and I have been pleased with this company up until now. I have been paying my bill on time every month with direct debit, which works very well for me because I am a senior on a fixed income. But now, I am very disappointed with OneMain and it is very upsetting to me.

You get approved for over 5k. Next day you're not approved. Nothing has changed, what is going on? What kinda business are you guys running and why are you giving someone a interest rate of 28% when their credit is at a 705? And you have done multiple loans in the past with you guys. That's beyond greedy. That is not how you keep or retain new customers. You guys need to fix the problem.!!

I was specifically denied because my house mortgage was in forbearance due to COVID. Everything else checked out and set for approval. They called me and said I could re-apply once the forbearance was over.

Horrible company, I hope they allow me to use zero star rating. Paid my personal loan off 2 years early. Their office couldn't process my complete payment notice for 3 months payments still came out after my loan being paid off... called and complained. The refund check they issued for these overpayments BOUNCED. Talk about credit and ratings. They're close to bankruptcy clearly. Do not use! July 2023, still don't have a refund for the money they had no right to take.

While the team was very nice and helpful, they left out important pieces to the loan process unfortunately. And they’re very busy so I can respect that Trying to get assistance through the company itself is nothing short of a joke. Fast forward to them reaching out to my review on another site and them asking me to contact them. I did immediately and have not heard a word since. Can’t say I’m shocked.

How dare you complete a soft pull and A HARD PULL on my credit report, then send an email stating "I'M APPROVE" for $9,100 and to complete application. (Which I asked for $8,000) Just to call me and SAY I'M DENIED!! LIKE WHAT?!! AND COULD NOT TELL ME WHY I WAS DENIED. I SENT IN EVERYTHING YOU SPECIFICALLY ASK FOR!

I received an pre approved offer from this company for a 9k loan at 26% APR - I continued the application, as I am looking to consolidate my debt into one payment. I wrongfully assumed that because I was preapproved, that I would be able to accept this offer. Instead what occurred, was that they hit my credit, making it worse, and insultingly offered me $1,500 at 25% APR. Not sure how they plan to justify the predatory actions, but I am sure they will. Absolutely disgusted with this company and how it affected my credit. Silly to believe they wish to help anyone.

They compound interest everyday which they do not disclose. If I could give them a negative review I would. I even did a balance transfer on a no interest for 12 months on a credit card and they continued to take money from my account. DO NOT USE THESE PEOPLE.

If I could give a negative score this company would get -100. They string you along and ask you to add multiple cosigners and then after hitting your credit file they will deny you. So sad and crooked. PLEASE DON'T WASTE YOUR TIME WITH THIS POS COMPANY.

This Company uses Credit Karma to try and get your business. When you apply through them online application says WILL NOT hurt credit score. The VERY next day I get hard inquiry on Credit report from these people which has a NEGATIVE impact on your credit score for 2 years.

I applied for an extension of my loan with OneMain Financial. After submitting my paperwork I was told the loan was approved. The young man then said he would check to see if he could get me more money. He told he would check and that he would call me back in an hour. He calls me back an hour later and said it wasn't approved and I thought he was talking about the additional funds. He stated that nothing was approved at all. As you can imagine I felt betrayed because he made it seem like I had funds coming but that was not the case. I am very disappointed in this company.

Big waste of time.. Worst so called loan people to deal with in Norfolk Nebraska.. Send them all my information and get pre-approved only to be told no because of income, but of course they had all that info before wasting more of your time and approval. Big con game to get all your personal information.

OneMain Financial has two credit cards one is a Broadway+ MasterCard the other is just a standard Brightway MasterCard. The Plus card is for people with more established credit. Every financial institution has their own policies and procedures however, I made a payment on this account on February 28 and I was advised that there would be a payment hold placed on that payment until March 10. The ACH payment process through my bank on March 1.

I took a loan with OMF in 2018 for $6k and provided my vehicle title as collateral and to this date have paid on time every time. Recently I found myself in need of a bit more cash to take care of some home repairs and was told no sweat, I qualified for a higher amount, so I submit all the required docs and wait. The next day I get a call saying they won't approve me because my debt-to-income ratio is not quite where they need it to be. OK, I said, my current payment is X which is considerably higher than the new payment Y would be which would then put me into your "comfort zone" and they still refused and offered nothing but excuses and hollow platitudes, even worse I have a hard inquiry on my credit report. Once this loan is paid I will *never* do business with them again, because quite frankly the excuses they gave is a load of you know what, and if this review convinces even one person to avoid them I'll consider that a win.

These people are a joke. I guess they only let you get a loan 1 time approved and deny you other times. Either way I’m okay with knowing I will never do business with this company again. Waste of time and no communication. I know I have good credit without a doubt. I do own a 2023 genesis so stating I was denied especially after I paid the 1st loan off in 4 months. Now I’m guessing they didn’t want that because it seems like the last 2 times I have applied I was denied even after I was told I was qualified. I do not recommend this company to nobody ever.

I took out a loan to help cover cost and I have been on time for the last 2 years paying off this loans. Monthly payment is S415. Of which $5.00 goes to principal and the rest interest. These people are ripoffs.

Just wanted to inform the worst experience I had with OMF.. I applied towards end of August.. No status update just email to submit docs.. Once submitted I wasn’t able to find out status of application.. I've called every time to find out what’s going on.. Supposedly I was approved.. It is the 12 of September and last week I submitted more pics of cars all needed again.. Since I applied I have never received a call nor email to notify me me of status or declining my application.. Come on all. At least 12 days telling me I was approved and today I call, they saying I was declined.. What kind of communication do you have?? I’m very dissatisfied and disappointed.. Definitely bad review from me..

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 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 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?

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.

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.