formerly Springleaf Financial
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About OneMain Financial
OneMain Financial looks at factors beyond credit scores to help people financially, offering personal loans and credit cards online, by phone and in person at nearly 1,400 community branches across 44 states. You can use OneMain funds for emergency bills, a vehicle, home improvement, debt consolidation, medical bills, a vacation or nearly any other purpose. Loan amounts range from $1,500 to $20,000, and funds are typically available by the following business day. It takes about five minutes to get pre-qualified, with no effect on your credit score.
Pros & Cons
- Flexible term lengths
- Secured and unsecured loans
- Loans from $1,500 to $20,000
- Charges an origination fee
OneMain Financial offers secured and unsecured loans with APRs up to 35.99% and terms up to 60 months. OneMain loans have fixed rates and payments and no prepayment penalties.
OneMain Financial Reviews
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Have worked with them on a couple of occasions. They are not real organized as I kept having to call them several times to get things done. Then had to go their several times to do more. Interest pretty high so probably won't use them again. They are close by so that was a help. Sometimes the staff is a little impatient and rude.
Their interest rates are very high. I wouldn't recommend them to anyone. I tried to get a loan from them and they denied me. After I looked over the paperwork I realized their interest rate is very high and I would being paying a lot on a small loan. As a single mom of 4 kids I can't afford to get myself into this type of loan agreement and overall I'm glad I didn't get approved for the loan.
I've never used this company because like so many they tell you you're preapproved when in reality you're eligible to apply. So anybody can do that. It tricks you into applying and getting a bad mark on your credit score. For sake of people not understanding this all loan companies should at least make that either apparent or don't do a hard inquiry.
One Main Financial representatives truly care about you as an individual, are empathetic to your needs, and go out of their way to help. They are a reputable company and very easy to do business with. Payments are easy to set up on line. I highly recommend One Main Financial for your personal loan needs.
Boy oh boy...The interest rate is ridiculous. Wished I would have never signed up with them. My monthly $200 payment and only $20 goes to principal. What a huge mistake. Plus my truck was used as collateral. HUGE MISTAKE!
OneMain looks for the best choices for me with payment options. I call and tell them what I need and in the same day they are calling me back with options for me. I love the "small town" atmosphere with them and how they assist me.
This is a predatory lender. Loan amount was 16,000.... I actually received 14,500. After three years of payments, I owe over 11,000. If I drag this loan out to the end, I will pay 39,000. I did not know this amount of interest was legal; and it should not be. Ultimately, this is my fault for not reading the paperwork and being foolish. Please, save yourself, do NOT do business with these crooks! You will regret it.
I was a previous customer of OMF and was a victim of their predatory lending tactics. I had a original loan I applied and got approved for and not even a year later they will offer you another loan to wipe out your first loan. Do not believe the pros other than you getting the money the same day when you meet their qualification standard. I paid 2 loans off and as a returning customer my vehicles was too old for collateral for my 3rd loan during Covid and yet my loan the first time around was not unsecured. High interest rates they will hit you with regardless of credit.
They prey on the weak offering you more than what you ask for to make you think you have good credit and their customer service stinks when you are not qualified. I advise to opt out from all credit offers and join a credit union. It's time to put death to these lending sharks who only seems to want to help themselves MORE than their customers. BEWARE AT ALL COSTS. INTEREST RATES WILL MAKE SURE YOUR LOAN IS PAID BACK DOUBLE. NON NEGOTIABLE TOO.
Don't waste your time. They are loan sharks. Go somewhere else to get your loan. The staff are rude and I was glad to finally pay it off. They are continuing to solicit a new loan. Hell will freeze over first!
I was falsely manipulated into applying for a loan. The agent never explained that my car would be refinanced. I specifically asked did collateral mean refinance and was told no. After completing the application I was approved for a REFINANCE LOAN and had no idea. I feel used and deceived. I would had never agreed for a 12000 refinance loan knowing I owe 11000 dollars on my car. This is terrible. Please do not get scammed like me.
If I could give OneMain Financial a negative star I would. I started an online application on 7/31/2020. After being approved for $11,000 with a co applicant, I started the document verification process with Erica. It was deceptive and an unprofessional process from beginning to the end. I even had to escalate the complaint to Corporate. From claiming she didn’t receive my documents, to telling me AFTER we were approved that the co applicant had to live at my residence (without also providing me with a copy of that policy because it is NOT listed anywhere on the application or the website) to flat out lying. Also changing the approved amount. Very suspicious to me.
Erica and the office Manager Melissa claimed my co application, who was working out of town as a truck driver “, MUST come in to sign papers. Despite the pandemic, quarantining and virtual technology. He MUST BE PRESENT. So fine, We booked him a flight. They were notified. She said the day we choose to come in to sign documents were fine. Then later that day said she wasn’t going to be in???? Then WHY say the day was good? Very suspicious. Then Only for her the very next day to say I was approved but the co applicant must be a close relative or live in my home. I asked her WHY NOT TELL ME THIS INFO FROM THE VERY BEGINNING???? Maybe I could have chosen the proper co applicant!!!! Even the Customer Complaint hotline reps & Supervisor said that was not true! Erica and the office manager Melissa are disgraceful. I suspect something very fraudulent or discriminatory going on in that office!
I am grateful I will Not be doing business with that company. Simply due to their employees' behavior and conduct. It’s disgraceful and without integrity. Do yourself a favor and do NOT give them any of your information or do business with them. I just checked the reviews for this company. Should of did my due diligence in the beginning. The reviews are PATHETIC!!!! Stay clear.
This is my only source of debt. I renewed/refinanced at the beginning of the year. I was signed up for automatic debits on the 5th without my permission. One came out and I overdrafted, I got a big fee from my bank. So, I called in and asked to be taken off automatic debits. The rep said ok, but it only worked for that month. The next month I was in the same situation, big overdraft and fee from my bank. I called in again and scheduled payments on the correct days through October. It worked for 2 months.
This month, I was scheduled for the 14th, they reverted to the original date of the 5th without telling me. Now I am overdrafted with a fee from my bank. My bank will not refund the charge because they see me as a risk who frequently overdraws, even though I have asked OneMain several times not to auto debit me on the 5th, but rather to charge me on my payday. How can companies like this expect us to be 100 percent on time all the time with no question if they do not provide the same standard of service?
I was pre-approved and inquired about a loan. I was told it would not be a hard inquiry on my credit report and I just wanted to talk about my loan options. We tried to call each other a couple of times. I kept trying but every time I reached someone I got the run around and then was never called back. Then all of a sudden they deny when I hadn't even thought I had made an official inquiry. They hadn't even discussed their pre-approval with me. Then I see there's a hard inquiry on my credit report. They lied! I'm pretty upset as it's now definitely not helping to have an extra ding on my report when getting a home mortgage. Especially when I was told that wouldn't happen. ????
I have been a customer of OneMain for 4 years now. I refinanced a vehicle with them and got a cash out loan for an additional 10k totalling 40k. I'm down to 12k left to pay and pay $650 per month. I have never been late and never missed a payment. As a matter of fact, I over pay every month by paying a steady $175 per week to my loan. In 2018 I went self employed and my CPA does what all accountants do, keeps my taxes low as possible. Last week I applied for a loan reduction to reduce the amount on my vehicle note. I figured they could lower the payment and I would still pay the same and get the vehicle paid off quicker.
They declined me saying that I didn't make enough money to pay less for my vehicle payment. So I don't make enough money to pay less but I can still pay what I'm paying? Does that even make sense? In other words, keep paying what you're paying because we would rather repo the vehicle than you pay it off. That's not gonna happen though because I still make great $$$, I just have a good CPA.
Moral to the story is, they're not here to help you in any way. They want to keep jacking your funds and work a lot like Wells Fargo did with the mortgage scams. If you were in a bind because of Covid they would rather repo your vehicle than reduce your payment so you could afford to keep your vehicle. They don't care how long you've been a customer and they don't care that you've never missed a payment. They just want your money and they are not here to do anything to help whether in a crisis time or not!!! Thankfully, it doesn't affect my situation, but at least I now know if I were in a bad situation because of the current crisis I may as well go drop the keys at the office because they're not assisting anyone!!
A Rule of 78 loan a loan where the interest is "pre-computed". You likely remember hearing this terminology in your loan interview, but when you asked them to explain to you what that means, they simply say the loan interest is computed in advance. This is a false explanation. Precomputed means the loan is calculated using what is known as a "reverse sum of digits". In English, this means your interest payments are moved as far as possible to the front end of your loan. Meaning, if you were to make 12 payments on a 60 payment loan with OneMain you will pay about 7.63% of the principle of your loan, vs 35.74% of the interest! To be clear, you can not win by paying off this loan early under almost any circumstances as I will breakdown below..
The loan is structured to protect OneMain and punish you for paying off the loan early, particularly on a high-interest loan, mine is 25.7%. With rates this high combined with the use of the reverse sum of digits, you will be forced to pay the entirety of the 9 or $10,000 of interest you will be charged over the life of the loan. This leads to tons of profit for OneMain and a lot of loss for you.
I am paying off my loan today and I have only reduced my principal balance by $780 in $4,900 of payments over the last 11 months. I am essentially am paying 39.7% interest as a result of paying off my loan early, costing me thousands. The numbers speak for themselves, you are basically being forced to stay in their loan with little to no ability to refinance or restructure the debt due to this reverse allocation of interest. Protect yourself. Do your future self a favor and do not take a loan from OneMain under any circumstances, no matter how dire your situation. Hopefully, someone will come along that is willing to teach the public about their personal finances and provide honest, straightforward options for so-called “sub-prime” borrowers like us. I wish you all the best.
In the beginning of March 2020 I called One Main to let them know that my full payment would not be available because of the beginning of the stay at home and no one called me back. They went into my bank acct and took what was available causing 3 overdraft fees which they refused to take responsibility for. When I finally talked to someone at the branch I was told that they had allowed customers to not have to make a March payment, that's funny because they went into my bank acct in March.
I was hit by an uninsured driver and One Main failed to remind me of a benefit I was offered and paying for which would allow me to get my deductible back since my car insurance had to cover the repairs, instead I had an employee at the branch hang up on me and report me to corporate and they sent out a letter telling me that I could not go into the branch. I have no idea what the employee said to them, but I do know that she didn't tell them that she hung up on me while I was trying to get information about getting my money back for the deductible. Then all of a sudden I got an email telling me that my payment was due on the 1st of the month for June, which is weird because my payments have always been on the 15th so someone went into my customer file and changed my payment due date. This company is trash. They don't return phone calls, they lie on you and lie to you! PLEASE DO NOT GET A LOAN WITH THIS COMPANY!
Horrible to be honest as someone fixing their credit. I have about a 60% utilization on $5300 in total credit which was paid down by $1600 this month. I make $4200 a month and my debts are low regardless sp paying off cards and merchant accounts are easy as pie. Without even verifying income they denied me, and of course, I get hit with a hard inquiry without an offer of even a $1500. I'll bet my life on it by spring I'll have almost a 700 credit score starting from the low 500s 9 months ago, which I am now around 600 and will NEVER ask them for money again. I'd rather pay 29.9% interest through another bank than give them my money.
When these cards I just paid off hit I will be around a 622. Credit scoring system is so broken it really hurts people from mistakes they made 15 years ago or debts that aren't even theirs. They can't get removed because of the crappy service from VA and Medical debt collectors and companies like this do NOT take this into consideration.
If I would've gone the full term on my loan payments I would've ended up paying 10k for a 5k loan. They pull you in with quick money or dept consolidation of you have bad credit. I own a small business and because of COVID have been shut down since March. They send out this thing saying how they'll help by deferring my payment and glamorize it, when in reality they only deferring half my payment and tacking on that 100% interest rate making my payoff amount go up by $200! Of course, they don't mention that. Basically just kicking you while you're already down. Stay away!!
Please do not ever get a loan with One Main Financial, they are a rip off! Their interest rates are extremely high, they have hidden fees that are not explained in the beginning and once you are in a contract they are putting your payment majority to the interest and only a small amount to the principal. I first got insurance through them to ensure security if a crisis occurred during the loan, I canceled it in a few weeks, they did not totally deduct correctly from my balance from the insurance taken off.
Also I had car insurance through them for a few months due to expensive full coverage with my insurance and that raised my payment higher, once I deducted that insurance and got my own back, the principal balance barely changed. They are still adding extra fees and my payoff is wrong. When I took the loan out in July of 2019, it was for 14,500. I have paid a little over 3000 dollars in that time frame, as of today my payoff balance is 15,121.13! Go figure, they are a scam!!!! Sophia ** is my name.
If you want to get taken on an astronomical interest rate, deal with incompetent financial advisers (basically used car salesmen) and get harassed constantly by collections, 6-8 phone calls a day for missing a payment by 4 days, call them. Absolutely the worst experience ever.. Run. There are much better options than dealing with these bottom feeders.. Horrible.
Tell me this is not predatory lending. $4000 loan at whatever compound interest. 1st they don't tell you there is origination fee ($700) on top. You sign then later you find out you are paying back $4700 with compound interest. Monthly payment of $164 and $67 goes to principal and the rest $98 interest every month. If you don't plan to pay the loan at a lump sum some day, don't use this lender. Do the math. It's predatory lending at its best. I don't understand why credit karma market them.
We received a letter for a loan offer from OneMain Financial in November of 2018. We just had a baby in August, prior to having her I went on bed rest so being without a second income for a while added some stress to the holidays so we looked into the loan and decided to go in to our local branch. Everything sounded wonderful. We did not need this loan to survive, we were not delinquent in any bills and we did not jump into an offer out of desperation. We qualified for an $8,000 loan and we accepted. We set up automatic payment and planned to pay it off with next year's tax return.
Fast forward to March 2020, it's tax season, we receive our return and we go to pay it off and our payoff balance is $7,535.35! The interest rate was unbelievable! Every month we paid $250 and only $464.65 went towards the loan in 17 months? Do not ever get a loan from them. This was meant to help us help ourselves, interest is understandable but this, was theft and we were not made aware the interest would be so incredibly high, we would have never accepted such an offer, who would? We will be sure to tell everyone we can.
When you look up One Main Financial -- you'll find relatively good reviews elsewhere such as Wallethub. However, there is a dark side to this company; and it's their predatory loans. I was curious about the company since I had less than perfect credit myself, but it had been gradually increasing for some time now and will continue for the foreseeable future. But nothing could really prepare me for the shameless offers I received. I requested a modest $4,000 and was met with several offers. And well, I couldn't believe it at first. Their terms ranged from 24 - 60 months and the interest rate was in a staggering 25-30 percentile range.
For example, one loan was for $4,000 with a payment of 167.61 over the course of 36 months with an interest rate of 28.72 percent. That works out to a total of $6033.96 which is an additional repayment of $2,033.96. And that doesn't even include any other fees. And the offers were all secured loans meaning I would have to pony up something for collateral which is usually a car. It's bewildering to say the least that they are able to swindle people into thinking their monthly payments are fair when a lot of people aren't thinking about the interest rate. The caveat is I should be building my credit to perfection, but the point is there is no reason to make these offers to people in a similar situation who are desperate enough to take the bait. It's really a shame they would stoop that low.
Had loan for almost two years, my husband passed away and they offered me a modified loan, I explained that I did not want longer term, I was assured that it would be same term but lower interest rate. Now I owe over 11,000 on a payoff of 7700.00? Over 60 months vs the 21 months I owed. No matter the financial situation DO NOT OBTAIN A LOAN FROM THIS COMPANY!!!
If you have poor credit, shop around and read the fine print before you make your choice. One Main has some nasty side effects. I had entered One Main's pre-approval process for a small loan of 1k. To go further, they needed a lien on my car. I was willing to do that but wanted to spend the weekend pondering my decision. I'm working very hard to boost my credit score, and I had diligently gained 30 points in a matter of months. So I'm in the habit of checking my score regularly. That weekend, having pulled up a new report, I was disappointed to find all of my gains wiped out!
What was the difference? One Main placed a hard inquiry. It will damage my score for an entire year and remain on record for two years! Very disappointing to seek out One Main to improve my score, only to suffer a big setback because of my relationship with them. I signed a good deal with Opploans - no car lien and no hard credit inquiry - and I'm on the road to paying them back in full. They'll improve my credit instead of damaging it - as these loans are intended. The reps at One Main were nice, but the devil was in their details.
Signed, Dissatisfied Former Potential Customer
"I'll call you back." (They never did, although I left 2 messages) -- "Why didn't you return my calls?" (NO record of their calls whatsoever on my phone!) "You have been approved for a $20,000 loan." (I had only asked for $2,000.) Sick of the runaround and the snarky comments-- this company is predatory at best.
The first and most important thing is to know what you're getting into and ask any and every question you have. This is a high-interest loan that will take forever and a ton of money to get out from under if you are not paying it off early. The people in the office were friendly and open to answering any question I had. The process was very easy and straightforward. I applied and submitted some documents online and then went the next day to sign and go through the process. I spent about an hour in the office, and the money was in my account the following morning.
BEWARE, they will try to offer you more than you may want. I wanted the smallest amount they were able to offer and I was firm in that. The loan officer even recommended taking a larger amount to pay off closed credit card accounts from years ago back in college. She also recommended taking more to pay off my vehicle through them, which would be a way higher interest rate than my auto loan and put me in even more debt. DO NOT LET THEM SELL YOU MORE THAN YOU NEED.
Again, do not take more than you need and have a plan on how to repay that amount early. I needed only a portion of the money and knew I would do a full payoff, not even two full months later, with my tax refund and the rest of the money I never spent in the first place. One of the perks of this loan is there are no penalties for early repayment, and the loan fee was only $50. Over that 1-2 month period, I accrued about $50 in interest. Just imagine that over an extended period of time or a larger amount of money. Stay firm and research other options as well. Had they not tried to offer me $12,000 instead of the $3,000 I requested I may have been able to give them a five-star review. This company isn't without obstacles but is worth a try if your options and slim and you need money fast.
I became involved with this company by default. An ex-friend needed a cosigner. Having a long time friend in a dire situation, l agreed to assist by co-signing her OneMain loan. They were friendly and made it sound legitimate. After only 2 payments, she stopped paying. Instead of notifying me of her lack of payment, OneMain reported to the credit bureaus that l had missed a payment, thus damaging my credit rating without warning. Trying to pay this loan off has been a nightmare.
OneMain employees are rude and hateful each time you call and all they do is tell you lies!! I paid $2,000 informing them it was to be applied to the principle. Six months later attempting to pay off the loan, the balance is the same as before my $2,000 payment. When l asked if they applied that payment to the principal, Betty told me that she has no record of that request. After paying $2,000 payment, six months later my pay off balance is not changed. I'm an old woman and have experienced more deceptions than l could ever mention, however this is the worst financial experience of my life. If you have any other option in the world, l would advise you to go elsewhere to seek financial assistance. This company is a total rip off. They are taking advantage of people. I cannot express to you the depth of deception and lies that l have experienced from this company.
I was involuntarily separated from my job back in October of 2019. I immediately let my financial institution abreast of this situation. I talked with Brad from the Fort Walton Beach Florida One main Financial first since he was handling my account. I let him know of my involuntarily separated status from my employment. He seemed to want to work with me and let me know to just keep updating them every week so we can try to get a payment in. In the weeks following I talked with a representative every week updating them about the same information I gave to Brad regarding my employment status.
Each representative I talked to never indicated to me that if I don't set up a payment arrangement, then my vehicle would be up for repossession, they all consoled me and let me know that it was fine, as long as I gave them an update every week to work with them, but never was it stated that I had to make an arranged payment to keep my car from repossession, instead they made notes on my accounts and ensured me that keeping them up to date would suffice. I went so far as to let them know when I finally got hired for a federal government job and that I would give them the rest of the details when I got my official offer letter. They also put that in my notes.
This week, the week of 30 January 2020 was going to be the week that I received my disability, I've stated that each time I updated them on my status. Yesterday, walked outside of my home to finish my onboarding process for my federal job and my car was gone. I didn't receive a warning in the mail, I didn’t receive a warning from the representative, and one of the representatives Tattiana from the One Main Financial Fort Walton Beach Branch informed me that if I made a payment by the end of the month, then my account wouldn't be turned over to repossessions. I received nothing but false promises from this company, and they claim to want to help me and better me.
None of that happened during receiving services from them, and even more so when I needed their aid the most, they weren't there. Instead, I get repaid with a repossessed car with an impossible amount of $20K required to get it out which is about the same amount as the original loan. They should be held accountable for their business practices and at least grant the proper courtesy of mailing or calling to inform the customer that a certain amount needs to be paid and or an arrangement needs to be made before repossession as well as adding that just giving verbal updates every week will not suffice when it comes to keeping your vehicle out of possession.
I took out a loan (using my vehicle as collateral), their website shows the payoff date as July 2020 and the payoff amount as $650 (approx) more. I called them to find out why the difference, the first manager Ashley couldn't answer the question, so here comes Sonia. The explanation was that the page of the payoff date is "cut off" two months early so One Main Financial can call and get the last two payments "OVER THE PHONE?" My payments are all direct pay so I asked how much are the last two payments, Sonia stated that she wasn't sure. What the heck kind of answer is that, this is my money and my finances here and she couldn't tell me. GO TO ANOTHER COMPANY IF YOU WANT A LOAN, NOT THIS ONE! I am paying the price, I am 70 years old and they are taking advantage of me. Don't make the same mistake I did.
Very easy to get money but try and pay it off early. They will fight you when you try and pay it off early. They promise you a refund on Insurances but you will never receive it. They just plain lie about everything.
Be very careful with unsolicited emails from One Main Financial, I received an offer to offer me more money, with a prompt in the email that stated it would not affect my credit, well it it, and the corporate executive care branch of One Main financial denied any such action, as soon I clicked on the process to see what the email was all about the offer of more money instantly went straight to my credit report so if you see a button on an email from One Main Financial state it wont affect your credit it's not true. The Executive care at One Main Financial is nothing but terrible, so find another lender. I regret borrowing money from this company initially, too high of interest loan and predatory attacks to get me to take more money .... Stay Away ... Best Of Luck!
When I first heard about OMF, I was at a point of desperation and needed cash. We had just purchased a fairly new home and needed to furnish the home completely. Our old furniture which was in storage was damaged in Hurricane Matthew and we didn't find out until we began moving into our new home. OMF had sent us a preapproved letter in the mail so we decided to give them a try. Long story short. It was one of the worst decisions I've made in life. They got the title to my truck that I only owed 3000 dollars on. The loan was for 10,000. That was 2017. Here it is after never missing a payment, 2020 and even though I didn't get the full amount, my balance to OMF is still at over 9000 dollars. Going on 3 years of making payments of almost 300 dollars a month and I've only paid back less than 1000 dollars.
When you get a OMF letter for a pre approved loan, trash it. It's loan sharking at a very deceptive level. Hindsight is always 20/20. I warn you, if you need cash, try to go another way. Ask family to help you out or better yet buy one thing at a time. We've been in our home going on 3 years and I now see that we could've easily furnished it one room at a time and not have such a huge debt over our heads. Not to mention, the truck that would've been paid off by now is now under a new finance company OMF, for another 3 to 4 years. DON'T DO IT. IT'S TRULY NOT WORTH WHAT YOU HAVE TO PAY BACK! It's like selling your soul to the devil.
Hello! I'm from Jacksonville, FL and this is my personal view of One Main Financial. I found One main financial through CreditKarma.com. Since then I have acquired 2 loans so far, both of which have been paid back in full. The approval process is of course very easy, NO pain whatsoever in the experience. The entire process can be done online, over the phone, or in person. You won't be examined or questioned on every little mistake on your credit report. Once approved and all the final paperwork is completed the loan is deposited in your account fairly quickly.
All One main financial agents at my location were friendly, honest, and quick to answer any question I had. You do need to be very clear about not wanting extra add-on charges that are unnecessary (like "dining rewards" or something like that). However, they do have a reward point system on the website from which you can earn points towards getting gift cards. I got like a $20 gift card at Walmart one time.
You also need to understand fully the payback process and interest charges which are DIFFERENT than your major bank loans. How I think of it is like those "Advance Payday Loans", you know the loans you have to pay back on your following payday. One main financial is like that to me only in a LARGER form and ALL of your paydays are spent paying them back. LOL At least that's how you should think of it if you want the lowest interest possible as it will keep growing higher the longer the loan is open (as with any loan, but One main interest rates are high). Yes, I do recommend One Main Financial to those who need loans (I recommend small loans under $4000 if you are just starting out) but can pay them back quickly!
Unfair, Deceptive, Abusive Acts or Practices. Once again they refuse to give me an over payment back! I accidentally made a double payment this morning to both of my loans (auto paid them yesterday) and IMMEDIATELY saw the error. I called them and they refuse to void it and it's on my debit card. They are going to make me wait again and will only put it to my loan like last time they screwed me over. It took over a month and it's CHRISTMAS. ONEMAIN WILL STEAL YOUR MONEY FOR BEING HONEST. I know they could have voided the transaction because they've done it for people I know and had to do one in the past because they accidentally charged me twice, themselves.??
This company is a joke! They lie to you and rip you off! BE AWARE and DO NOT go with this company!! I cancelled insurance I had and I was told my loan payment would go back to original amount once cancelled! Now, they tell me they never said that and it doesn’t change the payment! So, although the insurance is cancelled, I’m still paying for it because the payment has not been adjusted without it! NEVER AGAIN will I take another loan with them! STAY AWAY or you will lose!
So number one there are reviews on here that look like they come from the employees. Just look how they read... I was told based off the PRE QUALY THAT I WAS FOR SURE GETTING A LOAN THEN TO FIND OUT THEY WANT A CAR WITH EQUITY. So I am getting the inquiry removed. I had to send in a fax. Please beware this company is no more than a title loan type of place. I now have to go through legal matters to get this taking care of. Again I looked at some reviews. They look like people are trying to be indirectly to consumers. Like the lady who said I HAVE BAD CREDIT SO I SHOULD DEAL WITH IT...That's something a company would say to a consumer indirectly. Trying to act like they are the customer when they are not.
This company will rake you over the coals. When I traded my truck in they quoted the finance guy at the dealership a payoff and when they sent the pay off they returned the check and said it wasn’t enough. The customer service sucks at the Killeen office and at the executive customer service office. They were charging 20% interest even though my credit was good. Do not use this company because they will rob you for everything you have and then some.
A bunch of heartless crooks. They are very greedy. They are charging you a very high interest rate which is not enough because then they also charge you a $200 processing fee. They need us more than we need them. Went to a credit union and everything is great. This company hire CROOKS. They are surely not looking out for us.
Provided me a qualified report based on a $13000 loan at a 5 year term and rate and then when went to complete paperwork and provide my pay slips they reduced the amount. Wanted to put notes on both my vehicles and increase the rate to over 30%. I want to call Experian and bitch about their tactics through their site. They provided much of my data to these turds. I really dislike this crap. Trying to find a solution only to be screwed over and damaged by them pulling my credit.
I called them because i was pre approved for a loan. All they were worried about was getting my vin number to my vehicle. They weren't explaining nothing at all to me on why they need my vehicle info. He said they can possibly pay it off and give me my 4000 loan and make my payments the same and I can pay it off in 6 years. No way. This is totally a scam. The person was so rude whoever I was talking to. Do not do it.
I just want consumers to know that One Main loan company is a rip off. I took this revolving loan out in 1996 for 15,000.00. At the same time I took out a 15 year home equity loan of $80,000.00. I'm almost finish with paying that loan off and is yet to see a dent in the loan I took out with One Main financial. I need someone to investigate them and find out why I have not seen any change in the amount I borrowed. Something is not right.
They sent an app for an unsecured loan of $15,000. I didn't need it, I work for a good paying company so I could usually take care of my own things, however I was buying my son a car I saw on a site for his birthday/Christmas gift. Nothing special, just a reliable good first car, so I decided ok a small maybe $3000 loan would be ok, Pay it off in couple months of overtime. They kept asking for this paper or that document, of which by the time they kept running it was dropping my score each time. Then after a headache and a run around they said no like 3 weeks later. Basing it ONLY on 1 income source, when I have 3 others and the fact They ran my info so many times it was a fiasco. I called my credit union which I should've done since the beginning. Don't trust this mess, Go to a reputable lender.
They made my experience very smooth, easy and worked with me to get the loan approved. Best experience ever with a lending company. I will go back again if I ever need another loan. I highly recommend contacting OneMain Financial for all of your Loan needs.
I took out a loan with OMF last july. It was quick but they gave me 31% apr on an 8k loan payable in 5 yrs! I asked it to be in 2 yrs but they refused. They said my monthly payment is 250 a month so i gave in. But then it turned out to be 315 monthly because they said the interest is DAILY! So if i paid it for 5 yrs it would be 18600 total! They live up to their name of being loan sharks! Also, they took out almost 1k for that loan as fees. I paid for 4 months total of 1300 but my loan balance was still 7760. Out of 1300, only 300 was credited to my loan???? Siyet!
Predatory lender that brings you in on the assumption that you have gotten approved for a loan and then renege. They want your car as collateral and even then don't come through with the offer they told you about on the phone. Waste of time and SO SO relieved it didn't go through especially after reading these reviews. These people really did me a favor by turning me down.
This is only my personal opinion. When you are desperate and overwhelmed with debt. It is so easy to fall prey to predatory lenders with a "I am here to rescue you approach". Like a child we fall right into their greedy hands. They make it seem so easy that you actually have blinders on and before you know you are literally in a financial trap.
For me I did my research after I became a consumer....bad mistake on my part. I will only speak on #1 loan because believe it or not I have two. #1 loan has a remaining balance of 2239.18 and it is deducted from my bank on the 5th of every month.... I have paperless billing so I wasn’t watching the bill every month. Trying to see where my balance was in 6-8 months. I could not believe it. It was slowly moving, so I looked at my bill and was shocked to see October statement. I pay them $134.54 each month and $68.37 went toward the principal and $66.17 went to interest.
So I called the 1-800# to try to lower my interest rate because I felt it was excessive. She transferred me back to the East Point branch and I explained my concerns. She tells my rate 35% and it was based on my credit score and the loan was unsecured. I told her I didn’t feel my credit score warranted that score and if it is unsecured I wanted my daughter car title back so I could give it back to her. I feel they be enriched both ways. I just hung up upset.
Now my #2 loan is 19.+percent. I am the same person and I put my car up for collateral. My credit score could not have been that different. It’s may not be the best right now because of my situation but it is still between 627-640. I have learned a hard lesson but if I can stop someone else from making the same mistake I did. I feel that this legalized loan sharking....just be careful while desperate.
This company will only give you a loan if it is a SECURED LOAN with you using collateral. I applied for a UNSECURED personal loan for $9,200 with the pre offer that was sent to me via email. I had explained how, I didn’t want a secured loan at all. I talked to Sundae, and she had informed me that I could get a unsecured loan if it was offered. I sent all of the documents that where needed to the branch, and I have a 756 credit score with Experian. I called several times on yesterday to speak with Sundae wanting to make sure that, I process everything right. I can tell she was getting a attitude with me after the third call, but that is her job to speak with me following the loan process. Now I make 6 figures a year, and just wanted the loan to make a large furniture purchase. I just knew I would get approved, because I have every single thing that was needed including excellent credit.
I received a call from Sundae this morning telling me my application was declined. I was baffled, and asked her why was I denied? She kept telling me she didn’t know THEY DENIED ME! Who is they? I told her I would just call the corporate office, and she said they could probably tell me why my loan was denied. She said that they don’t give them the reasons why the application was declined at the local branch. WHAT???? That sound crazy! So I called the corporate office, and they told me since the local branch processed the application they were suppose to tell me the reason why. They kept telling me only the local branch have all of that information, and that they couldn’t assist me. The rep that I was talking to Sundae lied to me saying that she didn’t know why my application was declined. I know for a fact, because I didn’t want to take the secured loan giving collateral that is why they denied me.
One Main have hundreds of reviews all over online regarding THEM ONLY WANTING A CAR TITLE OR A VEHICLE to get a loan. After, I told Sundae that, I didn’t want to use my vehicle she said she STILL had to put my vehicle vin number, and information in to proceed with the application. This entire company don’t want to give loans nor lend money UNLESS you are giving them some of your assets! Then Sundae lied like they pull Equifax and they pulled experian! UGH! I regret ever even applying for a loan with them, because they are the worse!!!! At this location they try to act all nice, and want you to do the application. Only to deny you IF YOU ARE NOT DOING A SECURED LOAN WITH A VEHICLE!!!
This company should not be allowed to do business. They mislead you into loans and try to get you to use anything you have as collateral. In case you default they will not work with you. I was on the verge of default and they said that they can no longer work things out and they were going to file civil charges. Most lenders allow you a certain amount of time to get caught up if you get behind. These guys don’t. If you do decide to get a loan with them be careful what you say the loan is for. Do not mention Alimony, student loans, taxes, or child support. If they try to get you to say any of those things, they are trying to set you up for wage garnishment in case you default. Find another option and do lots of research. Not with the headache.
I initially took out the loan to pay my taxes, knowing I would pay them off in a few months. My original loan was for $5500 payable for $9000 if I hold the loan for 4 years. I paid $3000 within the first month. However I am still responsible to pay the full $9000 or the loan will not be satisfied, because they do not pay the reduce the balance, they just push the payment due date out 2 years. They will not accept payments from a credit card with a much lower APR%, so I sent them a convenience check in the mail, because they told me I had to mail it in to pay off my ridiculously high APR they were charging me for. They rejected the convenience check.
In other words they make it impossible to pay off the debt at a much lower rate from somebody else. To make things worse, they did not even notify me that they were rejecting my convenience check payment, I had to call them several times after 2 weeks to allow time for mail, only to find out that my payment did not post, and was rejected.
The ladies at OneMain Financial of Chesapeake were so prompt and professional. The experience that I received was excellent and I would recommend OneMain Financial to anyone. The ladies would keep you up to date on what is going on with your loan and they were always working for me instead of feeling like a number.
Do not rely on pre-approval letters from OMF. I would not even bother with the lender if not their letter, that I used, and allowed to put hard inquiry on my credit file. In the meantime I had already signed loan with Upgrade Inc. which I have not finalized yet (who btw, signed me with the soft credit pull! Check that company if in temporary financial crisis). OMF took few days to review my case, I was tempted by slightly better % rate and less origination fee, declined me and in the meantime I lost that mentioned opportunity as the signed loan expired and could not be retrieved due to OMF's additional hard inquiry. If your credit situation is so so, check Upgrade Inc. Not recommending OMF and will never ever consider them.
This company is misleading at best. If you are in a desperate financial situation and absolutely need a loan, do not consider this company. Companies like Onemain should not be allowed to operate. They prey on the desperate and quite frankly not too intelligent individuals! Yes, I consider myself "stupid" for taking out a loan with this horrible company. The customer service is poor, at best! Their reputation is awful! The owners of this company should all be brought up on legal charges. If this is not loan sharking then I'd rather take out a loan with the mob! Stay away from this misleading, borderline illegal, horrible, awful, devious, borderline fraudulent company!
I was approved for a loan, but they wanted to use my car as collateral. They said they would pay off the $6K left on my car and give me $1K cash. Here is where this loan offer is illogical: They wanted a payment of $268 monthly at 24.4% APR for 5 years totaling more than $16K by the time I paid it off. I would have to pay more than 100% of the loan, just to get $1000 cash and $80 off my car payment monthly (I only have 20 payments left on my car). That is financial insanity.
Beware! Do the math, and don't fall into their trap.
The process of applying and getting the funding is pretty easy with OneMain. All their fees and the process are upfront. They have very high interest rates, but keep in mind that they finance the high risk group. If you have a bank account with stable income, it's hassle free to make payments from checking account. As long as you are responsible there are no trouble. Personally my experience with OneMain was great. Their local branch staff are very helpful and they don't judge you based on your situation. The borrower needs to be responsible in paying back on time. I would highly recommend them to my friends who might be in urgent need of money with average credit.
Made an application online for a personal loan to consolidate 3 credit card that I have. I was approved for 8000 loan for a insecure loan to pay 36 month. Few days later an agent contacted me and asked me few question. Now he said I was approved but if I include it my car loan. Jjaja. I only has one year and half to pay my car. And now the only way for them to approve the 8000 loan is include my car loan with them and pay them a 5 years loan. My car has a 3.99 apr now. They offer me a 20.99% apr if I put my car car loan with them. And pay it in 5 years. These people think we are stupid. They just take advantage of you if you don't press attention of what they offer. Do not use this people. The local office of onemain financial in Hialeah Florida. Are very rude. They treat you like you are an animal.. Very unprofessional.
OneMain Financial is just another title loan company. They run your credit, your get approved and then they want you to upload your vehicle registration and proof of insurance. Their interest rate is 24.49%. They are paying to have their "stuff" pop up on Credit Karma and other sites baiting people to apply. The amount they claim you are approved for is not the amount you will actually be approved for. They are supposed to help in debt consolidation, and while this may be true, the monthly payments aren't really saving anything. Since they are using your vehicle as collateral, you will be required to have full coverage which means you will now be paying more for insurance.
I had money troubles and started looking around and my Credit Karma told me to look into OneMain Financial for help consolidating credit cards. All it took was getting online, filling out the application, and they called right away. I was informed about what to do next. It couldn't have been any easier. Very professional, the staff. I would and will tell everyone I Know about this experience. Christopher.
OneMain was very attentive to my needs and went above and beyond to get me the cash I needed in a very short amount of time. The staff answered all of my questions and were very kind. The process of signing the loan documents was a breeze.
They were very professional. The made me feel comfortable about my situation and they went above and beyond to find a solution to my many problems. If anybody needs help financially I suggest going to OneMain because they are friendly and willing to help you in every way.
It was fast and easy. They were courteous and I was in and out the same day. I was not humiliated. They were very professional. I didn't expect it to be that easy. I had been in there before as a co-borrower and that could be a reason. I had spent more on pest control than usual but I am on a fixed income.
I borrowed $6,000. Paid back $7,600 over 5 years with PERFECT payment history. Went back and asked to borrow $1,000 and was turned down!! How about that for leading done human???? There is nothing human about this company. No wonder it only has 2 stars. Go anywhere else.
I received an offer in the mail to apply to OneMain Financial. I unlocked all my credit bureaus' reports and applied online. Then I got a call from the company. They asked a few more questions and said I qualified for $6900! Apparently this was the pitch they use to get butts into their stores. The employee on the phone told me to wait while he called the local store (at 4:00 in the afternoon). He put me on hold and came back 3 minutes later and said he couldn't get anyone to answer the phone. "No problem!" he said and made me an appointment for the next day. He said all I needed to do now was to upload a copy of my driver's license, a bank statement and voided check. I did that. No one from the store called to confirm the appointment, that they received the forms or verify I had the correct materials to bring the next day.
I changed my plans for the next day so I could visit the store. When I walked into the store (they had to buzz me in) they looked at me like I was a ghost. No one got up from their desk to come up to me. I had to yell my name across the store and that I was there for an appointment. A girl looked at her computer and saw I did have an appointment. Apparently this was news to her. She said she needed a copy of my home property tax bill, my house insurance, car insurance and my income sources. Any of these things I would have brought IF I had been given the courtesy of a call. I live 15 miles away in another town. Then I was told I qualify for $12000!
I thought the trip was worth the trouble. However, she now needed a copy of every credit card statement, too. So I had to go back home in the pouring rain to print all these statements offline. I called to tell her I was running behind because I had to change my ink and my router was giving me some problems. Then she said I had only been approved for $5900 and I had to turn over my car's title as collateral! I turned down this loan from such a disorganized and uncaring company. They wasted my time, gasoline and patience with their chaos. I was not desperate for the loan but wanted to get a loan instead of dipping into my investments. I would have never bothered if I knew these people were so unprofessional and unable to make a concrete decision. Avoid!!
I have a loan with One Main Financial and I had a complaint with one of the representative. I filed a formal complaint with the CFPB and the corporate office responded to my complaint. Corporate office said, "After reviewing your complaint they see nothing wrong" but they did tell me they did investigate after reading her letter to me and siding that I was in the store which I never went into the store which means that it's a cover-up. Somewhere the representative lied to me. On store level corporate lie to me. On a corporate level is to cover up. I would never recommend this company to anyone because there's a lot of Fraud and they cover up for each other. Lies and deception. The rep push so hard to close alone. She didn't verify the information and just lie to say that the funds would be in my account and cost me a lot of hardship.
So I applied for secured loan in April 2019. Got approved. Made 1st payment in May before we received car title for collateral. It was their job to obtain title but MGR of Jonesboro, GA. branch, wanted me to do her work in obtaining title. I wasn't successful. Time went by - no communication from them. Rewind: at signing of loan, they gave me 2 checks (which were included in loan that I'm paying interest on) to pay for my new registration & tag to be switched over from another state. By the time I was able to transfer tag over, the fees at tag ofc were decreased so I wrote out a personal check from different funds since the checks that they (main financial) gave me (from my loan), were too much & the tag ofc would not give me change.
I told OneMain Financial what happened so they told me to mail checks back to them & they would give me the funds or put it towards my loan as a payment. I mailed checks to them. Time went by again - no communication. Now this is in May so I got frustrated from being so patient & called them in July for info. MGR tells me she or someone else will call me back later this Fri or tomorrow Sat. No call. So I called on Mon. Spoke to other loan officer. She had no idea what was going on. MGR didn't communicate to her like she promised. Finally I speak to MGR. Now she tells me I can't get my funds (the checks that I sent back to be put towards my loan), that I now have already made 3 payments on with interest, until they get the my car title from the bank. That should have been done before the loan was approved & funds given to me.
It is now August 2019 - still no title & they still have over $500 in funds that I'm still making payments on with interest. It isn't my fault they didn't get the title 1st. I wish I never dealt with them. Like some other dissatisfied customers said, they also danced around my questions & told lies. It's not in the clauses for them to hold someone's funds after loan has been given. They fooled me to send checks back. I took it as a threat when she said they couldn't give my funds back until they get the title but they sure take their payment out of my checking acct monthly to pay back loan. If you're thinking about it don't do it. They also had people answering phones who didn't seem to know anything about correct phone skills. They need to be investigated.
This loan was a hassle free. I bring all the documents they told me to bring and the next day I receive my money in the bank, also the interest rate is much lower than others, would definitely recommend.
THIS COMPANY SENT A FLYER TO MY HOUSE OFFERING A LOAN FOR UP TO 25,000 ON A SECURED LOAN FOR EQUITY IN A CAR. I called them and asked if they do unsecured loans and they told me yes to come in. I mentioned my credit wasn't great because I had lost my job over a year ago and had a problem trying to get employed. I just got back in the work force and making a great wage again. They told me that I could use my son who has excellent credit but has a low paying job. We went in and after answering several questions and providing them with our ssi numbers they told me I was approved for the loan amount I was seeking. I was so exciting and it was a relief.
I desperately needed a loan to pay back government for social security contributions I fell short on so I could receive my lifetime benefit and I needed to have the payment to them before I reached my 65th birthday. Or I would have to accept the one time payout which was nothing. Since I did not have a pay stub yet to verify my income they told me it was ok to bring it in the following Friday but I was very assured that my loan was approved and that was the only thing they needed to show proof of the information I gave them.
So after I gave them my pay stub they asked even more questions about previous jobs which made no sense. Then all of a sudden the lady tells me or no there is a mismatch on my ssi number and showed me a ssi number which was nothing close to the number I provided her the previous week. The number she had started with 586 and mine started with 223. Then she says the other way she could offer me a loan would be to refinance one of my cars, I told her my car was just purchased within the last 4 months. This was their game plan all along to tell me yes, let me down knowing I would be desperate, and then thinking they would get me with with a huge refinance on my car with a ridiculous rate. Just to get a small loan of $7500.00. WHAT SCAMMERS THESE PEOPLE ARE. STAY AWAY FROM THEM.
I called them for an auto loan. Was approved for what I thought I called about. Only to find out after the vehicle was totaled that it was a personal loan secured by a title. The insurance company called with a settlement amount. When I called OneMain for a payoff amount they danced around the requested information telling me that they usually speak directly to the insurance company. Now I did have a personal loan with them prior to the car loan. But it was specifically a car loan. They asked for downpayment information and even issued the check to the car dealership directly. If this would be a car loan I'd be getting the difference. But because they weren't honest and had a play on words which the manager admitted the confusing wording (**) I'm without a car without insurance money and still owe 5000 dollars from a loan from almost 4 years ago. Hope they like that insurance check.
I applied for a loan with myself as the applicant and my mother as the co-applicant. We do not live in the same city. And I was told that in order to close the application, that both of us need to be present in the office to sign off. I asked if an exception could be made given that we were indeed approved and nowhere during the application process online did it bring up this rule. I find it hard to believe that now in 2019 that they couldn't (and more importantly wouldn't) find a way for two individuals living in different places to apply for a loan together. Why couldn't my mother just sign the needed forms and mail it in? Or fax it? Email? See there's no shortage of ways to submit paperwork!!!! No exception was made whatsoever. They created an unnecessary barrier to gain a customer.
My son got married in Chile, and my husband and I with my 2 daughters wanted to travel for this family event. For this reason I requested the loan and at the same time reduce my debts to can travel. Was great.
I was made to feel comfortable and the staff are all very helpful and explained everything to me where I could understand it. I have had a positive experience with them. I will recommend OMF to everyone that needs loans.
I needed money to fix my car and some personal things to pay off. They approved for a very high amount, which was like wow great because I can use the money. I understand how interest works, however, it doesn't in this loan company. Your principal goes down over time not because you pay extra towards the principal, but each payment a generous amount goes towards the principle to bring it down. You may more more of interest in the beginning, but not nearly the entire monthly payment. 8 dollars of 332 towards the principal does not make anything go down. or 8 dollars a day interest on a $9200 loan.
Here's the catch, it's a false percentage, in reality they are collecting their interest before they allow a real dent to hit the loan. That's not working by percentage, but by how far along you are in your payments. I know, this happened to my father as well. This should be brought up in a legal matter. Because there is some false play that is probably very illegal in the matter. They helped me in an emergency but they are robbing me in the end.
I will NEVER get another loan for this company again. They are con artist. I requested my payoff amount for my $4000 loan. After paying $160 a month for 2 years my payoff amount is still $3000. Cool. I don’t have any problems. I’m preparing to pay it off in 2 weeks. I get a call from a customer care associate telling me that she hates to see me leave and asking me the reasons why I am paying my loan off early. I tell her the interest rate is too high and I’m basically paying double back on loans so I just want to get it off my back. She tells me I can lower my interest rate on my current loan since I’ve been a valued customer and all I have to do is authorize them to pull my credit report. I ask if that is a hard pull and she says yes and I tell her no thanks because I don’t need any more hard pulls on my credit right now.
My score has been growing and I’m also preparing to try to get a mortgage in the next few months. She doubles back and says, "Are you sure you don’t want a lower interest rate. I think it’s worth it." After talking she pursued me and I authorize it and give her my updated financial information. She then tells me my local branch will give me the details of my new interest rate. When my local branch calls me they tell me that I was approved for an extra $7000 and ask why it is that I need more money. I was flabbergasted???? I tell her that I made it clear from the start that I never wanted more money and I only authorized the hard pull because I was told I could get a lower interest. Her and her manager tell me that it’s not possible but since I’ve already done the hard pull “I might as well accept the money and it’ll be at the same 35% interest”.
I immediately filed a complaint and called back customer care and I was then told a manager would be calling me back shortly. After 10 hours passed I called back was told by another associate that the same manager will be reviewing the conversation and will call me back before the end of the business day. I call back at 9:50 pm 10 minutes before they close and demanded to speak with the manager. Manager Travis ** finally came to the phone and apologized and promised me he would call me back by the next business day and ensured me I would not have to call back and took down my contact information personally.
It’s now been 4 days and still not one call, but yet I’ve received several offers via mail and email over the last couple days. I’ve now sent a message through the company website and still nothing. I don’t appreciate them playing with my credit and these tricks they play to try to get you to take out another loan and I am disgusted with the professionalism of this company. I wish I could give 0 stars. I will never recommend this company and look forward to never dealing with them again. Completely unprofessional and will tell you anything they want rather it’s true or not.
You will be paying towards more interest with their rates than principal FOREVER. Don't go to these people! They need to be stopped, seriously. They will call you 10 times a day if your payment is one day late. It's not a good company. You've been warned.
So I took out a personal loan to pay off credit card debt. I have never missed a payment. Last week I was in a car wreck. I called OneMain Financial to defer my payment. No problem, they said. I went through their process and the deferment was completely. I was not supposed to make the payment until July 11th. I wake up this morning, check my account, they never cancelled my payment. No, my account is all messed up. I called them. They said I have to wait until my bank clears the payment which after calling them takes 10 business days and obtain all the fees in the meantime. They told me there is nothing that can be done, that’s the policy. So they make the mistake and don’t even try to fix it. I would never ever deal with this company again or recommend them to anyone!!
When they asked me do I have any “other” payday loans I knew it was trouble. I have a credit score of 780 and you quote me an interest rate of 35% - nope, not when I just financed my car at .09% interest. BUYER BEWARE!!!
This place sends ME pre approved offers constantly, for an unsecured loan. Ok. Well I've been on FMLA due to heart problems and could use a loan, so I try. I tell them my story, that I have missed a lot of work this year so far but need a cardioversion which I am getting this week, then an ablation in August so I will be fully back to work next Monday. The person tells me "You should be fine for this loan". Then a day later she calls me and says due to my lack of work, they will not only need my car title (that isn't an unsecured loan lol) but they must also dictate exactly where the money goes, including a credit card I'm paying on which has zero interest until November and will be paid off by then, which in effect takes interest free money and converts it to their loan shark rate of 39.9. They were rude and very impersonal. Stay away. They are more of a "debt counseling" place than a loan place it seems to me....
2 days ago I deposited a check for $200 drawn on my OneMain Financial account into my bank checking account. Today 2 days later I see the check was returned by OneMain Financial with no explanation, except to go back to the check owner, who happens to be me. I immediately called OneMain Financial and I was told by a customer service rep that due to a "glitch" many checks were returned as if there were insufficient funds in the accounts. I asked to speak to the supervisor to get a response as far as getting a written explanation, never got to speak to one. He/she sent a message by the customer service rep that they are just gathering information. I never heard of anything like this. I can imagine how many people are affected missing payment deadlines.
OneMain Financial is really very bad. Keeping account opened for an emergency. To order checks, unless you used up ALL of them, they will NOT order checks for you. This is supposedly for your protection! Last fall I received sheets of checks, NOT a check book, this is their new format. Overall, same as previous Spring Leaf, very bad. It is not the people, but the system. Not to be able to order checks until you have 0 checks and it takes 1 month to get new ones makes no sense whatsoever. They have had the same policy for years now.
I needed a personal loan to help with my vacation expenses. I was approved that day and sent out with a check! The customer service was very respectful. I would highly recommend anyone to use them... Great company!
I went researching for a loan, for people with less than perfect credit. I had gotten a phone call from OneMain Financial. I don't borrow what I can't afford, so when the guy on the phone asked me how much I was looking for laughed when I said, just $500, I told him, that I would take the full $3,000, that they approved me for. GREAT! But, I was told, that I had to purchase insurance at $200, and once this was paid, the $3,000 plus the $200 I paid for the insurance. I asked several times that, once I paid the $200, would the money be transferred into my account, they said yes.
About 40 minutes into my phone call with them yesterday, I was told that I needed to pay $1,000 in state taxes for the State of Colorado. I have NEVER had to pay money, to get money. This leads me to think, that it was a scam. I had given them my last $200 in my pocket and still Cathy, who sounds like she's from the Middle East (as did EVERY PERSON that I spoke with did), didn't even care when I told her that I had just given them my last dollars. When I told her, Cathy, that I called Colorado Department of Revenue, she became upset and asked why did I call them. She accused me of yelling at her, which I didn't. I was, however, upset, that I was lied to about the money, after paying the insurance portion. It seems they deal in shady business.
I took a loan out to consolidate some bills The interest rate was awful. On top of that DAILY finance charges. I took out a loan through a different company. First thing I did was go to OneMain to see what it was today. Manager said that is ONLY good for today. Went to my bank. Got a cashier's check. Went directly back to OneMain and paid them off. Can't wait like others to get my pink slip back on my truck. I would give this company a negative star, but that's not an option! So long OneMain! Never again!!
They are a joke. I have dealt with multiple loan companies and never had such a runaround. They popped up on Credit Karma as a loan company I could get approved for and when I filled out the application it said I was approved for a $4000 loan. However I needed to call them so I did. I was told I needed a cosigner. Talked with my fiancé (who by the way had no trouble getting a AR loan for $40,000). He said he would cosign. They turned him down. Said he didnt have enough credit. His mother then said she would cosign for me (she has great credit). When she called them to give her information they couldnt find my application.
I called and had to give them her information as they mysterious found my application again. I was told I would receive a call with the outcome, I waited and waited until 3pm the next day to call them and was told it takes time. Was called back at 3:15 needing more information on myself. Gave it to her, she called back 20 minutes later saying I was declined. They are a joke.
You know what? You go to OneMain because you can’t get a loan anywhere else. You have bad credit it’s your fault. I went to the branch in Cordova Tennessee. The interest was high yes. But that’s because I have bad credit. They did take a title but that is collateral, again I have bad credit. There were no surprises. Read the contract. Make sure you have equity in a vehicle. 24% is high but not as high as a title loan. I had to give collateral on a different loan I have with a bank. I am very pleased and I’m going to pay it off quick.
My loan was with Springleaf at the time before it converted to OneMain Financial. My loan was for $1500 but to OneMain it was $2000 but spent paying $84.95 for a period of more than 3 years, my loan was in 2014 and I am still paying for it. Since the conversion between Springleaf and OneMain there is no contract stating how many months was my loan for. Plus the interest charges varies every month.
Nice people here working very efficiently, but this company thrives off the poor and desperate using predatory tactics. I was approved yet I declined their loan as I was expected to pay 29k for a 14k loan. Pro: you will get a loan. Con: a very very expensive loan, they will lie on the phone to get you on site in person. I do not recommend this company.
Back in 2003 I got a loan to help with some home improvement and then I became disabled my disability insurance thru OneMain formerly HFC. Paid my payments which was wonderful until I found out thru dunning me they never stopped the finance charges and late fees that now has affected my credit score. I have begged and asked for info and to clear these charges but they will not budge on it. They harass me by phone and mail with threatening msgs. I would never use these companies again.
I was in trouble financially and needed a short term loan. I had good credit, but needed the money fast. I didn't have the option of turning to family or friends. What they came back with was an outrageous interest rate and forced me to bundle a present car loan into the package. The origination fee was obscene and the terms ridiculous! Later, to add insult to injury, I received a registered letter from their corporate attorney because the person I was dealing with at the Layton location accused me of threatening her. First, that would be totally out of character and second, She totally fabricated the entire incident. BTW, my wife was in the car and said she witnessed no such activity. I will not ever use them again and I would strongly encourage all who read this to find another way. OneMain Financial is a predator and not worthy of your business! Try something else! Horrible business with horrible people!
This is a con job to get and sell your personal information. You are told for five screens that you are approved. On the 6th screen you are told to upload your supplemental documents. Immediately after uploading, you are told that you are not approved. It is less than a second and the documents are pdf so no way they actually looked at them. It is a con for your personal information. The five star reviews are fake and from India. Do not apply to this company.
I was pre selected for a loan. All the different amounts were posted with the payments I have to pay back. When I spoke to a loan officer the only thing he offered was to take my SUV and pay it off for 53 months. First of all I didn't request to do a refinance. Why would I refinance my truck? Give you my title and start all over again. High interest rates 35-36 percent. No matter what your credit score is. This company is a RIP off. I don't recommend you paying out a loan with high interest rates.
Hate this company. I fell behind with them on a $6,000 loan and no way they would work with me. Instead of working with me, they sent me to collections! Now I have two marks on my credit report from this loan shark company. If you need money----don't and I repeat don't use them.
They were very polite and professional... Did not make the process of getting a loan. Complicated nor confusing...my experience was quick and simple. I provided the documents they requested, provided a few signatures and I was on my way. The following morning the funds were deposited in my checking account.
I took out a $7600 loan with a 35% interest rate. I was not aware that this was a daily interest bearing loan. My loan summary that I receive each month gives me a $7000ish balance. But when I called OneMain Financial they told me my balance was $14,035. That's about 83% interest. I called and inquired about the balance and interest. That's when I learned that the daily rates was $6.35 plus the 35%. This company not only deceives their customer, they deceived their investors also. Perfect example of predatory lending. Those who gave a favorable review probably were paid to do so or they are current employees. They are awful, so please don't take out a loan from them. You will be sooo regretfully sorry. They will reap for cheating their customers.
Everyone was very nice and professional, from the phone calls to in person. One person even saw that my phone had died and lended me a charger while I was there. Excellent experience! Will definitely go back!
Helpful staff and very professional. Took less time than anticipated. I got my loan done in no time and the process is very simple. All I really needed was a paycheck stub to bring in. I was done in no time at all.
Was told that they were going to move my loan date up to match my check deposit dates. Did not happen. So now I am paying a late charge to OneMain plus a overdraft charge to my bank. I think the left hand doesn't know what the right hand is doing. They got to get together on the system to get this stopped. I mean they ARE on the same computer systems.
The company is a BIG JOKE, Don't waste your time! The customer service did not speak good English. They stated I was pre-qualified but at a later time they told me that I was not qualified. No wonder they have a low score on their rating! DON'T WASTE YOUR TIME! TRUST ME.
I called the main office and submitted all my required paperwork and they told me I was approved for an unsecured loan of $9,200 and told to go to their local office to sign loan and receive check. The local office called me and said the main office entered my income incorrectly and now after they reviewed the income the loan was lowered and they wanted to add my car as collateral! The main office assured me I was approved and that the loan was final. This company is a BAIT AND SWITCH company and should be reported for unfair practices! BEWARE. THE FINAL AMOUNT FOR LOAN IS NEVER THE SAME!!! LIES, LIES, LIES!!! They should be ashamed of their services and yes they all are aware of what they are doing because they are ALL trained to do business this way!!!
I already have a loan with this company and have for several years. They call multiple times a year trying to lend you more money. This time they called with "Great News" that I qualify for at least $3,000.00 more. I have had to run my credit cards up lately for some personal reasons, so I thought this would be a good way to pay them down and consolidate. Well, after calling them back, they wanted my truck as collateral (I have unsecured loan with them right now), so obviously I told them that wasn't going to happen. They ran my credit to get to this determination, meaning that it will drop a little again.
Even with all of the purchases that I have made lately, my credit score is still in the mid 600s and BTW, I am on automatic payment, so I have never even been one day late with this company, or any other for that matter. I had heard horror stories like this in the past about OneMain, and now I see it. Unless you want many phone calls telling you that you "qualify" for more money when you actually don't, then stay away from this company.
I went with this company because of Credit Karma. We got an loan from them with a high-interest rate not knowing that we could do better. We got the loan and find out through our credit union that the interest rate was way too high. They got us an interest rate at half of what OneMain was offering. So we went with our credit union. Had to pay back way more. Just got an letter the other day saying we still owe them over 400.00. Mind you we only had the loan for like 10 days before going with our credit union. Please be very careful with OneMain. They make it sound good but not true. OneMain is stealing from people when they need the help the most. Please don't go with this company. Talk to your bank first or credit union. I bet they could do better. I have learn the hard way.
This company refuses to delete negative remarks on my credit for an account that is paid in full and closed. They just keep giving me the run around on the phone when it seems pretty simple. I regret using this company for anything. Bad customer service.
Applied for loan, given $8000 for personal unsecured, $17,000 secured. Went thru process, needed co-signer which provided only $8000 personal + required adding my 2018 Toyota C-HR Premier to obtain the $8000. Told approved, appointment set to close deal 3-29-19 at Coral Springs Florida location. Went through ALL required signing, when asked about 1st payment due date, loan amount NO LONGER $8000, NOW UNDER $5000! BAIT & SWITCH!!!
I was in the market for a used vehicle, but was unable to get financing (I'm a new immigrant) due to my short credit and employment history. Through LendingTree, I found a lender OneMain Financial (Jackson MI), I was contacted by a Ms. Mikayla ** in 10min or less of applying online. Ms. Mikayla helped me or should I say ensured I get the loan as she understood my situation. I highly recommend OneMain Financial Jackson MI to anyone who needs help getting back on track!
Applying for a loan with LendingTree I was approved for a loan with OneMain financial for a collateral loan. I get a call on Monday from a rep at the Athens, TN office of OneMain. We discuss my situation with low credit and income and the only way I could do collateral would be for them to buy the car I was looking at buying she said we can do that. We talked about things a bit more and with my income she didn't want to run credit.
I call back a few days later and asked about adding a cosigner. She said that would work but I had also had explained that my cosigner also had low income and credit. She said, "It would be fine just. Have your cosigner give me a call." Now we have a hard hit on credit with no explanation as to why it wasn't approved. She said the application was kicked out of the system. That makes no sense to me. I think she shouldn't have run credit noting the credit and income situation. It's not a good company to have employees that don't know what they are doing. Don't use them for any reason.
Was approved then go through everything. Then told wasn't... I first applied for a loan without putting anything up. They switched it to having to put my car up which was fine. Then after was told I was approved then have me go through everything. When it was time to go in going to tell me I didn't meet the guilds fully... Waste of time.
Applied for personal loan of $3000.00 for 2nd car to get new car off the road for a while, Decent credit score. Approved for $10,000.00. Requested interest rate info after all docs submitted and approved, told 35%. I said that's the max for GA, she said, "Well you can pay off credit cards," LOL, I said all 3 combined balances are less than $125.00... She said, "Well you have student loans," LOL, I said NOT paying 35% interest on student loans, I said, "Ok, just loan me the $3000.00 I originally asked for." She said our minimum is $3100.00 at which time I said, "No thank you."
I realized that their corrupted game is to MAX OUT interest rate laws in whatever state they operating in because in GA, personal loan interest rate should not exceed 17% if it is $3000.00 or less (unless put in writing). CREDIT KARMA, you should be ashamed for promoting this predatory lender. Think I will just delete my CK account and stick with my Credit Wise acct with Capitol One to manage/monitor my credit.
I have used OneMain Financial several times. The employees was so kind and very understanding of my credit situation. I needed my loan to pay a few bills. The only THING that I DISLIKE about this company is how they harass me with calls a day after the due day. If there is a grace period WHY do you have to call me every month. If I am 30 days behind then I would understand the calls. All you have to do is look at my payment history and see that I make a payment two or three days before the due date. I can't wait until my loan is paid off.
This location is horrible. Very unprofessional staff and most are not very well versed in their jobs! Stay away from this location! I went elsewhere! Alley was not knowledgeable about loans nor was she very professional over the phone! Was put on hold several times for no reason. Finally I hung up and went went another company and that process was wonderful!
Took out a loan, consolidated some debt, the loan ended up being a title loan. I have been paying on it for almost 2 years now, coming directly out of my account. Well, now my vehicle is not repairable and they will not release the lien so I can junk the car. I was told they had to run my credit again to see if they can release the lien. What kind of ** is that, you want my credit to take a hard hit so you can tell me whether or not you will release the lien. It doesn't matter to them that I have been paying on this loan for almost 2 years now, money comes directly out of my account and I have never been late. I didn't ask you to dismiss the loan. Just release lien so I can junk the car.
Anyone who currently have or had a loan from these crooks need to request a copy ASAP. FROM THEIR OWN SITE. Principal Balance X (Annual Interest Rate/ Year Count) X Number of Days Since Last Payment. $6,000 X (24.36% 365) X 31 = $124.13 Standard Monthly Payment Amount – Monthly Interest Due. What I SHOULD be paying. Principal Balance $3100 x (24.36% 365) X 31 = $64.13. What I am being charged? $180.48 3X the amount! I am contacting every agency with this discovery. You may also be a victim and if they refuse your request, its a civil rights violation and the FBI should be contacted. They have a section for internet complaints.
OneMain Financial was so kind and very understanding of my situation. My credit wasn't very good but I got my loan. I needed my loan for medical reasons and they was very prompt. They made me and my wife feel comfortable and wanted. They could have denied my request but they didn't. I will return there for my financial needs in the future. Thank you so much. I recommend them for your financial needs.
I had 2 separate loans through OneMain Financial. From the minute I walked in the door, everything was explained to me in detail, they did not try and hide anything. I never defaulted on my loan, everything went smoothly for the life of the loan. I would definitely use them again for a loan in a pinch.
I found OneMain Financial via Credit Karma (I assume they pay an advertising fee to be featured on their site). I applied for a $2500 loan, got an immediate email saying I was approved for an unsecured loan up to $2500 and secured up to $17,000...ok, makes sense so far. The rep called me and as we walked through the process the rep told me that I needed to bring the title of my car with me. I immediately stopped him and started asking him questions. He could not articulate to me the reason he needed me to bring my title besides that it was the law...I forgot to tell him that I am a 3rd year law student and if he was not a payday lender that required collateral for subprime loans, he would not need my car as collateral.
OneMain Financial is a RIP OFF. It is just another name for payday and title loan lender...it's just a little fancier. They prey of individuals like myself with fair or poor credit. I have worked to get my credit back on track and OneMain Financial is definitely a way to destroy it. RUN AS FAST AS YOU CAN AWAY FROM ONEMAIN FINANCIAL - it is a RIPOFF!!! I do not knock their hustle, but it is definitely one that should be closed down because it is not only bait and switch, but they advertise deceptively.
Needed to consolidate 2 credit cards. Everything is done by computer, and they click click click. They did the acknowledgments their selves. Then click here to sign. Before I know it, large monthly payment. Insurance out the yin yang. Now after a decent credit score, mine is low. They do not educate people. I found out through mail my interest, my payment and insurance. She said, "This will be less than the payments you are making now." BS. It was higher, and now I am in collections, due to it. I should sue, but don't have the ability to. I can't buy a house thanks to this company.
Insisted I use my car, They are holding my title. All of a sudden they stopped withholding on Nov 14 2018. They were at my car Wednesday at 10:00 PM. No paper work shown just took my car. The past year I have not had a job which I had informed them (75 applications). We have asked repeatedly for paper work explaining the arrangements. We asked for paper work showing the itemized repossessing. They have never cooperated in this area of paperwork. No I would not use this company again. They don't give a ** about people.
I have been working to build up my credit for a while now and I finally made it into the 600s and was happy that I am being responsible with taking care of my credit. I used Credit Karma as a tool to help me apply for credit cards and loans because they let me know my approval odds. I recently applied for OneMain Financial and I wish that I had not done so. The only reason I applied for OneMain Financial is because Credit Karma said that I had excellent approval odds for a $2,000 loan I needed for car repairs. After reading the reviews and seeing they had good feedback from other customers I decided to apply.
OneMain Financial approved me for a loan up to $8,000, which I didn't need that much at all. After applying I had to talk to a rep from the local branch to schedule an appointment, but the rep said that I was not approved because of the value of my car which is a 2008 Altima. OneMain Financial approved me for a loan but they were going to use my car as collateral. Nowhere on Credit Karma or their website when you apply do they say anything about using your vehicle as collateral until after you apply and the inquiry hits your credit. The rep said that even if I applied for the minimum $1,500 I still wouldn't get approved because of my vehicle.
When I looked up the value of my vehicle on several websites including KBB, the value of my vehicle for each site was at least $2,500. So I'm not sure why OneMain Financial wouldn't accept my vehicle, and because they didn't, my score dropped and now I have an inquiry on my credit for no reason even though I had excellent approval odds and was approved for up to $8,000. Be aware because the reviews may be misleading or created by people that just work for the company.
For the last 3 years, I have worked diligently to raise my credit score so I would be able to obtain a mortgage so I can buy a home. One of the ways to do this is by obtaining credit, and maintaining the credit in a responsible manner. I received an email from OneMain Financial advertising an opportunity to obtain a loan, in which email I was assured that my credit score would not be affected by my responding to their advertisement (The first page of the attachment is the email I was sent by OneMail Financial). I responded to their advertisement and filled out an application expecting that my credit score would not be affected. At the bottom of the application, I was again assured that this would not affect my credit score.
The same day I was notified by my Experian notification system of a change to my credit score. Upon logging on, I was notified by Experian that my credit score had been reduced by seven points. I believe that OneMain Financial obviously lied about the effect on my credit score in order to entice me to apply, in spite of the fact that if I had known that doing so would reduce my credit score I would have declined to do so. At best, this is an unethical advertising practice, and at worst, may be illegal. I wish to lodge a formal complaint against OneMain Financial for subjecting me to untrue or misleading advertising practices.
I first have to say, after reading several recent reviews. I’m quite confused about the write ups. Some being shocked about the high interest, but they accepted it when they reviewed their docs prior to signing and accepting the loan. One person was upset because they were later asked for collateral i.e. a car to secure the loan after being pre-approved although they said they were approved. Not true, as OneMain operates like every other lender. 1st you submit your docs for pre-approval, then a rep calls to verify your info and check out your actual facts. Then all that info is sent to an underwriter. That’s who makes the final decision, not the sales rep/loan servicer you're on the phone with. Lastly, someone gave a 1 star because they late on payments due to being consumed with a sick spouse. And was upset with the rep for not helping as much as they felt they should have been helped.
Two issues with this review; you default on your bills, they come every month like click work how you forget... When they were calling you 100x and you ignored the call and the voicemails, that was them trying to work out. Lastly, when you take a pan from OneMain they ask you if you would like to buy insurance for a few more dollars to cover you to the life of the loan in case you have a problem paying. You roll the dice when you choose no! People this is a high interest credit lender for people with bad credit, no credit etc.. Bottom line you’ve been denied credit at other lenders who do not trust you to pay the money back. So, yes OneMain will lend you the money... maybe but you will pay a high interest and you may have to put up collateral if your credit is really jacked! But, no one is going to give someone money (who has poor money habits) for free!
Here is the deal if Credit Karma recommended them for you and not JP Morgan Chase Bank that’s because you have poor credit standing. I am no exception to that rule, but I knew what I was walking into with the high interest rate, I did not need to put collateral up and what they said I was approved for, that’s what I got a check for. I am on my 2nd loan with them. I paid the first one off with the 2nd one early to build my credit standing. I have a plan to pay my 2nd one off early with out of pocket funds, so that I’m not paying 2x more back as my interest rate is 16%. But my payment is low and manageable so that I am assured to never miss a payment.
I have insurance in case I get sick and cannot work, and I’m not blind to the fact that this is a ** loan but they were the lender that took a chance with me when no one else would not have. My credit went into toilet after several job lost and failed business and a sick husband, so I’ve had all these issues these people have had but blaming my poor money management, inability to read the leading docs, and my acceptance of a high interest loan on the lender. Bottom line, OneMain is very upfront with who they are. I think some folks need to do a better job at reassessing who they are and their needs. OneMain is a great lender for people with bad credit. They are way better than a payday lender. I would recommend them if you have good credit, healthy cash flow and collateral.
I found this company through Credit Karma. Credit Karma had this company (OneMain Financial) as very highly debt consolidation approval for me, taking in consideration all my credit information and past and current history; just to mention it. It's common knowledge Credit Karma have it if any person sign up with them. Before I put all my credit information in one main financial website to get approve, the only requirements were and valid ID, proof of income, and that they were going to verify that my utilities and rent or mortgage monthly payments were not more than my income to afford them; which are not and that's all they need it.
I sent all my documents and fill up all the blanks with my credit and personal information in their (OneMain Financial) website and I was approved ($6000) but now they were adding a collateral; a car for me to have as collateral. Next day their local office call me and ask me few personal question. I told them I did not really need it $6000 but they told me that did not matter the amount i still need it to have a car as collateral. I did not continue.
Now I am rating this company one star because they claim in their website all they need for to approve you it is for you to have a job and proof of it and the utilities and mortgage comparison against your income but never about a car as collateral after they have use your information and created for you an inquiry in your credit report. Why after they create for you an inquiry checking on your information? Why the don't they at least mention that there will be a great chance of the need of a collateral? Inquiry in your credit may not always bad but if there is not need of them even more when some company comes up with tricks and not been clear from the start why to have it. They just cost a no need result just because they just like tricks and not be clear from the start. We do not need these types of companies either. Do not use them.
I wanted to give 0 stars but could not! Do not do this to yourself!!! I took out a loan for 3000 and when I’m done paying, if I pay 140$ per month, I will end up paying 5000 on this loan. I have been paying monthly payments of 140 for 18 months and I still owe 2000!!!! This is one of the biggest mistakes of my life. This company takes advantage of people in need. Never again!!! And on top of that they gave my information to every high interest loan crook around and now I get tons of junk mail!!! Scam, scum. Not sure how the employees can sleep at night!!!
I had fallen behind in loan payments because my spouse was seriously ill and I was paying all the bills. I should of called sooner but had other things like his health on my mind. I finally did. A nice young man made arrangements with me. Said if I keep the next three. The balance will go to end of loan and out of collections. He also told me if any issue comes up call back and let them know so they can work with me.
Today 01-25-19 I called to ask for a 1 day extension from 01-31-19 to 02-01-19. I had to pay an unexpected bill this morning and to not have the electronic payment bounce and get hit with penalty from bank or OneMain. I called and what did the case manager say, "Can you pay less?" Did she hear what I just told her? Incredible. She also said, "I cannot promise it will not go to legal action if not paid." What a bunch of Crooks. They charge high interest and are unworkable. I know collections for 30 years. They could of extending for a day. But they a cruel and heartless. A bunch of blood sucking pythons. I will never do business with this company again once paid in full.
After telling the branch that I would be paying my entire loan balance off in 17 days of my January due date, I got daily calls regarding a 5-day late payment (never late before ever in 3 years) and advise I would be paying it completely off in 17 days of the due date. Today I got another call (third one, and the worst one) threatening me that if my loan is not paid by 1/31/19 it would be reporting as a 30 day late on my CBR which is a complete violation of the FCRA, my loan due date is Jan 17, 2019. Jan 31st my loan WILL NOT BE 30 days past due, so this company CANNOT report my loan as being 30 days late. This was a threat on me and I know my rights as a consumer, and am not happy with the LACK of customer service I got today.
Again, an ACH customer that NEVER gets calls or calls in, I pay on time every month, and have for 3 years. I will NEVER engage in another personal loan with ONEMAIN again after being told that I will have a 30 day late on 1/31 with a due date of 1/17. This is an unfair practice, and against the Fair Credit Reporting Act. I will be reaching out to the BBB, CFPB, FCRA and Consumer Affairs along with making contact directly with Doug Shulman about this outrageous encounter with this branch in Carrollton TX.
OneMain Financial was first to call me and she took my information to put in my application in for a $2500 personal loan. She said she’d call me back. About a couple hours later she calls me back to let me know I was approved for up to $8000. The same day I drove to sign on the loan. I was deposited the funds the next business day.
I just recently signed up with Credit Karma and found out that I qualified for a consolidation loan with OneMain Financial for $3,700, which is the exact amount of my total credit card debt. Great! I can have everything in 1 easy payment per month and a set date of completion, rather than paying various cards and juggling multiple log-ins and credit limits for who-knows how long. I clicked on the link and after entering my financial info, it said that I was approved... For $9,700?! After doing a hard inquiry on my credit. :( I never asked for anywhere near that amount of money. **Strike 1!**
I then got a call from OneMain Financial from the person who said that she would be the one working with my loan (she wasn't). **Strike 2!** I already entered my info online and also uploaded financial documents to prove income, etc. Why are we doing this all over again if I provided physical evidence? Why has there been zero discussion about the actual loan amount (that was triple my original request) or the interest rate? A few days later, I get a call from a man who is supposedly the one who will be REALLY taking care of the account (he isn't). He says that I am approved and his underwriter will have an answer for him in about 15-20 minutes. I don't hear back from him for SIX DAYS! **Strike 3!**
The man calls me back this morning and decides to casually mention that I am approved for the loan and that I could qualify for more! Great! Except that: 1) I will need to come to the branch office in person to do a loan closing, 2) He wants additional documents that he did not request before and, 3) the branch office is 2 hours away. **Strike 4!** Nope! I express my obvious concerns about all of this over the phone and then he suddenly says he has to go into a meeting but he will call me back in a few minutes. Of course, he doesn't call back. I call him back this afternoon to cancel the loan request and he then says "Sorry, your loan has not been approved by the underwriter." Really?! They were ready to loan me money 4 hours ago! The only thing that changed from this morning to this afternoon was that I gave OneMain Financial a justified criticism about their bait-and-switch loan tactics.
Do NOT do business with this company. I am actually lucky. I was already going to turn them down, so it worked out. I have more money than I owe (barely), so I can suck it up and just pay off my current debts the slow and old-fashioned way of budgeting and working. But many people in America are not so lucky and predatory lenders are a scourge on honest citizens. Please choose a different company if you wish to take out a loan!
OneMain Financial is the shadiest company I have ever dealt with. They use deceptive tactics in their business dealings. WARNING. BE VERY CAREFUL OF THIS COMPANY. I hate I was caught up in their scheme and now I am trying to pay this loan off as quickly as I can. I will tell everyone I know to not do business with this company. Everything they do is shady. Please don't let yourself be one of their victims. They ran my credit without me knowing what they were doing and ruined my credit. They call you about a lower payment and have you thinking it's a soft query. It's not! Also, watch how they try and set up an insurance policy. AGAIN, WARNING. I am still asking them to remove the query and they first lied and told me Experian had to remove it. Experian filed a complaint against them too.
I don't currently have CC so we buy things cash. When looking for a loan to avoid expending too much cash all at once for our trip tickets, I came across OneMain Financial. Easy process. We were skeptical because we own 4 vehicles and they asked all the info for the vehicles - weird. They turn around giving us very little money for one of the vehicle and with an outrage interest rate. No thank you. We pay cash or go to a traditional bank as we should. I was upset because they never mentioned that during the whole process till the end. So I advise to be careful, do your research before going with anyone that looks too easy to be true.
Don't take a loan or sign your life away to this company. They will make your loan a living hell because they don't put their loans in collections or work with you properly if you cannot pay. Instead they harass you and your contacts with phone calls. Mail you threatening letters. They will take you to court to get money back for loans not paid if they have to and you could go to jail. There are better loan companies and interest rates to deal with these guys. You will regret taking a loan from them. With their tactics there is a reason they take a chance on guys when no one else will because they know they can make your life a living hell compared to other loan companies if you default or just cannot pay what they are asking for.
The application process was easy. I submitted all documents online and received a call back same day. The issue was there was a disconnect with the bank they used in New York and their follow up process is horrible. They called a week later and left me a message. I returned the call assuming we were all set to go ahead with the loan, but the woman said they were still reviewing and would call me back. They claim they tried to reach me twice while I didn't hear back and when I logged in online it stated I only had a few days as the loan would expire. I called them again and they said my credit was ran and the loan had already expired. There was never an email letting me know they were still reviewing or a call back regarding the loan expiring. The worst experience and now my credit score is lower and I have no loan!
Please know that One Main Financial has the type of payment structure that goes almost exclusively to the interest, not the principal, at the beginning (and for quite a while during the lifetime of the loan I assume). I was new to getting a loan and didn't realize that that was how the repayment was structured. It took a couple of months for me to realize it. The realization hit me one day when I was looking over my statement and I saw that the principal of my loan had only gone down $11 although my monthly payment was $339.68. I immediately started looking for a better consolidation loan and was able to get a new loan through my credit union (with a MUCH better interest rate).
The upshot is that I borrowed $10,000 from One Main (plus I signed up for some of their insurance but I don't know how to calculate that into this). After seven months of paying $339.68 towards my loan, my pay off amount was $9895. In other words, I paid $2377.76 on my 10K loan over seven months, but only $105 of that amount went toward the principal. RUN!
I recently ended business with this loan company with a balloon payment done to pay off a small loan with them of 5k which I took out 6 months ago. In those six months I was paying my term way over the minimum and on time every month. Now today in which I decided to pay off the loan in full to finish with that debt. They decide to screw me charging me late fees when I never ever did a late payment and they charge me for some insurance that I never agree on, and as well the balance that I had left over the payments I had done, wasn't the final balance.
They decided to charge me another $100 because just paying off my balance wasn't enough for them, so I am taking action against this company and I do not recommend this company at all even if it works with slightly challenged credit, because it is obvious its there target demographic and they feed off people that don't have all the means to pay of loan fast and even if you do have the means and go into one of there local offices they lie and try to avoid explaining details about what that is charging you on and breaking it down as much as possible. It seems pretty shady, as it was, terrible company, look elsewhere, consumers be warned, or literally pay the price 2.5x the value of the loan you took out.
In the beginning, One Main Financial was wonderful! I was approved rather quickly and even when I fell behind, they offered to re-fi my loan which allowed me to skip a month during the Holidays! But my health continued to challenge me and I fell behind again. The phone calls started, one to four per HOUR. When I called the branch I was insulted and belittled. It was beyond anything that any of my other creditors had ever done. But, I understand, it was my fault for falling behind. HOWEVER, I finally got better and I paid the loan off in full in one payment. Almost $8, 000.00... And the phone calls continued. They claim that although I paid the loan off in full, I miraculously still owe almost $1K in daily interest. I've had some bad decision loans before but NEVER have I been told that I still owe after paying a loan in full. There are other loans out there. PLEASE do not use One Main!!!!
You keep making payments and be late and you will keep paying until you die. You make a 188.00 payment and a few dollars go to your balance. If you pay extra on your payment it does not go to your principal. They need to be out of business!
We've been with OneMain Financial for years. Already we needed some extra money to fix our vehicle and they had already have that loan with them so they tell us we were approved and we get to our appointment and they tell us they couldn't give us loan because the person that had applied for it couldn't comprehend. Kathy was a lady's name. She couldn't understand anything and she thought the other person didn't understand what she was telling him. I think OneMain Financial is just a lying piece of ** so OneMain Financial is not a good place to go.
I had been paying OneMain Financial for over a year or so on a $3000 loan. I got the loan down to half of that and was running behind on the payment for November. I received a phone call from OneMain in November stating that they were running a special and I could wait until December to make a payment. Well, I needed new tires for my vehicle and asked if I could get a $500 loan and they said the most they could do was $499. So I go in to sign the paperwork and was told that the monthly payment was going to be $191 instead of what I was paying which was lower.
After I signed the paperwork the $499 on the loan seemed to bring the whole loan amount back to almost $5300. What the heck! What they did, without fully disclosing their intention, was refinance the loan which jacked my payments up, and now I have over $5300 that I have to pay back. All they could talk about was "the special" in November. What the special actually is, is refinancing your loan so they can make more money and the agents get a spiff for closing it. It's an unfair practice and somebody needs to take a look at it. No one verbally told me that they were refinancing a loan.
I received an alert from Credit Karma stating that a hard inquiry was made from OneMain Personal Loan I knew nothing about. On Dec. I received a letter dated Dec.12 from OneMain denying a credit loan application that supposedly I filled out with them. I never ever filled out an application for a personal loan. I wrote to them asking for information. I don't received any response from them. I asked them to rescind the HARD INQUIRY of the fraudulent application as well. Nothing happened. Reference Number: **. Date December 12, 2018.
I received an Equifax alert that a credit inquiry had been made under my name with OneMain Financial. The day after the inquiry was made, I called OneMain, the representative agreed that the application was fraudulent. They agreed to kill the application. I asked them to pull back the credit inquiry. They were not willing to do so. A month later I received a letter from OneMain indicating that they denied my application. I called again indicating that this was a fraudulent application. They refused to take any action.
Now the denial of the loan has been reported to the credit bureaus and my credit score took a big hit due to the denial. OneMain has refused to take any further action. They refuse to let me talk to their fraud department. I think this is reprehensible and shows that they couldn't care less how their actions have impacted me. So beware if you choose to deal with this company. By the way, I called OneMain the next day after the fraudulent application was made.
I really thought these people were here to assist with getting the loan you need. Did an online application with all honesty. "We’re ready to speak to with you, we’ll reach out shortly." Shortly still didn’t happen. Received another email saying just need to finalize my loan. I finalized the application, got approved. Just needed to verify some information. I sent in all documentations. No one called to say they received my via email documents.
When I did call the representative asked me several questions again answered honestly, but if you had received my documents it would have saved me time and gas to travel across town for a denied because I was short of now a $50 more requirement then mention anywhere on my online application and phone interview. How can I get the misinterpretation on Gross and Net when I know what I make and how much I bring home. When you feel you can just switch the wording around via phone versus online application then there’s an issue. All I know is honesty is the key. If you’re going to do business everyone should be on the same page. Meaning documents should be available to you and the customers so when things like this arise everybody can be on the same page. If I answered the online information truthfully I shouldn’t be questioned again by a call.
I have had personal loan with One Financial for several years. The majority of my contract has been without issues. However, on November 13 I called in to make my regular scheduled payment due on the 21st of month, actually I was early with my payment as usual. Before I could make my payment the young lady told me that looking at my account I was actually a month ahead on my payments and that it would be ok if I chose not to make the payment for the month of November, being close to the holidays I confirmed with her that if decided to take her up on this offer, everything would be ok and I could resume my regular payment in December. She stated yes. The overpayment would be applied to the November bill just as it is done each month.
Forward to December 14th. While reviewing my November statement I noticed that I'm being charged daily interest for the payment in November. Although I was told that I was overpaid for November. Maybe I'm stupid but, how are you changed daily interest on something that was overpaid. When I contacted the Riverside office, I was told by Cindy that it was a promotion that was being offered for the month of November. However, nowhere during my conversation with the rep. In November was it told or offered to me that what was being told to me was simply a promotion otherwise like I mentioned to Cindy, I would have passed on the promotion and stayed one month ahead on my payments.
I feel that this is a very unfair, unprofessional practice. Complete details should have been disclosed so that I could have made a more informed decision. I called the office on the afternoon of December 14th only to be told, "No worries, I completely understood how this would be upsetting. However, it was the promotion we were offering to all of our customers during November." From my understanding, it's a promotional offer when it's an option with full disclosure. When I'm finished paying the loan off, After reading how dishonest One Main seems to be. I will be sure to obtain my personal loan from my credit union. The only reason I'm rating is because it's required in order to submit the complaint.
I wish I had checked the reviews before applying for a loan. My scores were 724, 723 & 725. Approved online and was offered $3800 unsecured and 6200 secured. They called me 10 minutes later. Self employed, proof of direct deposits. Copy of first page of my checking account, copy of my schedule C from my 2017 tax return. Was sent within 30 minutes by fax machine. No call, no answer to my email and when I called the next day pending was the response but I have an Experian and TransUnion alert. They checked both companies. I realize from reading this forum they have denied me a loan because I have 1 vehicle and it's a 2001 small SUV. The representative knew how old my truck was before I submitted all my information and they put a hard inquiry on my credit reports. RUN!!! I am now going to lock my reports. SMH.
Me and my ex-husband got this loan when we were married. I'm a co-signer. After our divorce he got this loan. I got the house loan. The daily nonstop harassment from the Elkhorn WI, office is unacceptable since my ex told them not to call me because I'm disabled and was having surgeries. They continued to call, send mail to my home and e-mailing ME not him. The calls were vicious and malicious. They didn't care that I had nothing to do with the loan and that my ex wasn't even late on the payment. They would call all my phones and call several times a day demanding I call them back that day. I would NEVER recommend this company to anyone! Upper management needs to fire all employees and do a restructuring of the company before I SUE THEM!
After receiving a “pre-approved” offer in the mail, I decided to apply for a small loan, their minimum of $1,500, to help consolidate some bills. I entered all my info, and they pulled a hard inquiry from my credit report, and offered me a $4,900 TITLE loan. NO!! That is NOT what I applied for, and NOWHERE in the mailed literature or on the website where I applied does it state that this is what would or could be offered. It is a bait and switch. Sleazy and deceptive way for them to get your info. DON’T DO IT!!
Rudy **, a supposed “OneMain Financial specialist" should be severely reprimanded for the disrespect he showed to me today. This company after I’ve been in good standing for ten years called me, my work, and my family after only being a week late on my loan’s monthly payment! When I called to make payment this man and his supervisor were extremely rude to me. I felt like I was treated as if I had broken a law! It was so uncalled for and no apologies were given. In fact, this company hesitated to give me names or a follow up to complain to in their chain of command. The calls are recorded. And somehow I believe mine will be misplaced.
Obtained unsecured loan without a problem. Payment due on first of each month. They would relentlessly call up to 10 times a day beginning on the second of each month. We would give them the date we would pay; they would inform us without us giving them a check by phone for that date, they would still call. I found out this is an illegal practice. They were rude, belittling people to deal with. They would call even with a set to pay; on our jobs even after telling them not to call during work hours. Terrible experience. Never again.
My experience at this branch was not only a total waste of time, but a disrespectful and discriminating process. The financial representative was fairly new, but pleasant. I was approved online for an unsecured personal loan (they had my whole credit file) in order to pay off a few cards, which I’ve used more than usual, due to my Temporary Disability status from work. My benefits pay was substantial enough to repay the loan without a problem. I presented my pay information with proof that I was still employed and all benefits pay stubs. Then they found every reason to rescind the offer and began to find excuses and knit-pick from my credit file as to why I wouldn’t be approved for any amount, not even a lesser one! I was also told that it was because I was on Temporary Disability. Is this fair? This was the WORST and most unscrupulous experience.
The day I paid off the loan for my motorcycle in full, I told them THAT DAY... IN PERSON... I want no more communication from OneMain Financial with the ONLY exception of in writing that any and all debts owed to them are satisfied aka paid off in full AND my motorcycle's title. It took at least 7+ weeks (and my bugging them at that at least from the 4th week onward every week) to finally receive my title and found out a local branch of OneMain was HOLDING the damn thing (obviously this was after I paid it off in fully 6-29-18... Well on time mind you). So right there, that's at least 2 stars of rating deducted. I received the first bs ad for a debt consolidation loan in August. I call up the local branch and tell them don't send me any more ads. They told me they would note in my account as such and for me to allow at least 60 days from that same day for the request to be processed and settle.
I received the second advertisement for the same crap between 61 and 70 days later. After calling the same location and asking for the head manager, I receive a polite ** female who assured me of the same thing. Give it 60 days. I said 'that's what the other person... A guy told me. What's different this time.' She tells me he must had forgotten to log my account. I tell her ok. I'll take your word for it but after 75 days from now I had better not receive any more communication whatsoever from OneMain Financial Well. Guess what? It's November 2018 and as of today, 11-13-18, I received yet ANOTHER stupid "debt consolidation loan ad" from them. Yeah... I'm calling the Better Business Bureau and filing a harassment complaint. NO MEANS. NO morons. (LOOKING AT YOU OneMain!!!)
I was looking for a personal loan and found One Main on Credit Karma (they also sent me mailers). After giving my personal information S.S. number and more, they will do a HARD CREDIT INQUIRY (which drops your credit score). I did not want a secured loan, which my bank would do for a much lower interest rate. I think they are deceptive in not telling you anywhere in the application process that they will offer you a loan if you have a Car Title. I would give a negative star if I could. I will have to settle for the lowest rating possible due to they're misleading even by omission Secured Title Loan. Very happy I did not get any further with this less than honest company.
Three years ago we transferred from overseas to a job site in MD. We incurred major debt because the Army Finance Center taxed the Travel Claim; we went to OneMain and they were rude, brash, and harassed us then and during subsequent visits and phone calls. We had just bought a house so our money was tight - we got behind in our payments and the phone rang off-the-hook. One manager even told me our jobs could be in jeopardy if we didn't pay this loan off in accordance with the contract. We were unable to pay, so they took us to court; we were unable to attend the court date so the judge ruled in their favor. My wages are now garnished, and life is rather difficult for us nowadays. I tried to work out a lesser payoff but their attorney/rep wasn't able to bring this to reality. We now pay almost $800/month including interest, finance charges, attorney fees, and court costs.
I was approved for a personal loan in writing only for a couple thousand dollars. And they requested me for verifications such as D/L, proof of auto insurance, paycheck stub etc. Which I have no problem with. When I called them, they first put me on hold for a long period of time. I had to hang up and called back again. One of the associates apologized and again she put me on hold again for another 10 min. or so...then she came back on line and said that she needed more info from me. She begin to asked for my personal information that has nothing to do with the loan, things such as life insurance, how many bank accounts, what kind of cars and “How many cars do you have, what are your cars' vin numbers”...a lot other things which I think was none of their business.
Then she turned around and said, “Oh we can't give you the loan, cause you don't have enough equity on the auto loan that you have.” I said to her that, “I am borrowing a personal loan only for couple thousands dollars. What does that do with my auto loan.” She said, 'Well, we were going to take over your car loan, and if there is some equity from it...you can use.' I said to her, 'Wait a minute, who said anything about letting you guys take over my car loan in the first place?' My existing auto loan carries only 5% interest, what kind of interest are they going to give me, taking over my car loan! Come on people, when I first got approved for the personal loan, they didn't mention any condition at all what-so-ever.
Now, they are trying to scam me to switch bank on my car loan...so I will be stuck with a high interest rate car loan for a few years, in order to get couple thousands dollars out (Cause it is a brand new car after all). Are they out of their mind! Besides, I have a luxury car that is all paid off. If OneMain Financial cannot afford to loan any money out, just tell people so...why waste our time! Just to rip off our personal information so you guys can sell it to others. Big Big Scammer this company is. I will report this to the State Atty General, and all concerning gov. departments. A big waste of time.
I was able to refinance and save me some money and paid off my loan with them. On 10/9/2018, I called and got the payoff amount. I went into their office on 10/19/2018 and was told they still have not received payment, but I should still make my monthly payment to make sure I would not be charged a late fee of 20.00. I made the payment of 300.00+ and I checked my account on the following Monday the 22nd and it showed they processed my payoff check and my monthly check on 10/19/2018 even though they said they did not receive it.
Now I have to wait until 11/6/2018 to get my refund of 300+. Why do I have to wait that long? I paid with a debit card and they received the money that day. It is not like they have to wait for a check to clear. I received something in the mail from them to refinance and was told I needed collateral again, but my score went up, but the value of my car went down. I ended up using someone else and got 7% lower plus did not have to use collateral. Use them with caution.
OneMain Financial In La Puente CA 91744. Hi My name is Mario **. My balance was $12,335.04. I ask for a payoff and they told me it was $12 585.84 for Oct 14, OK, my payment was due on the 15th of Oct. so I called them and told them I was not going to make my monthly payment because I was going to pay off the loan by next week the Wednesday 24-or Thursday the 25th of Oct, I got a loan from credit union and to pay off the loan, Credit Union send $12,708 to OneMain Financial because that's the amount that I applied for and One Main Financial refunds me $28.39. Isn't a payoff a pay off of total amount???
I had a great first initial relationship with OneMain until my payments each month had problems. One month they’d take it out of my closed acct that I specifically asked to be removed and they charge me loads of returned check fees. The next month they wouldn’t take it out at all and I would get another fee. The service is horrible and no one can seem to get payments right. Save yourself the stress.
Applied for a loan online. Told I was approved and to just submit certain documentation for the qualifications. I did that, and then no response, so I called the next day. They said they needed my husband on the loan, because of the income I claimed, so I added him to the loan. And now no feedback, if I am not approved I am fine with that, but let me know. A phone call or an email takes two minutes.
I didn't submit the complete app but OneMain pulled my score and gave me a denial. I don't understand why they spend so much on advertising but don't actually want to loan money at such a huge interest rate.
APPLIED FOR JUST A 13 K LOAN, I HAVE EXCELLENT CREDIT, FICO SCORE IS 767... THEY WANTED TO CHARGE ME 34% INTEREST! I TOLD THEM TO get bend and to cancel my application. I knew they were shady when I kept asking the rep what is the interest rate and he kept avoiding the question... Then he passed me to someone else, a real fast talker, he kept asking me to verify info and then asked me if I had a life insurance policy and how much? I told him, "None of your business" and again, "What is the interest rate"? Don't do business with this company, they really need to be shut down!!!
Applied for a loan that said I was approved. Submitted all information needed only to be called to inform me that they couldn’t approve my loan because my vehicles didn’t have a high enough value! I own 5 cars. 2001 Mercedes, 1997 Mercedes with only 60,000 miles and a 1998 Dodge. When they called I was just informed that they couldn’t process my claim. Waste of my time. So I did a title loan just on one vehicle for 1,250. Would never refer anyone to go here! Waste of my time.
I was solicited by email suggesting that I check my rate without harm to my credit score. After requesting a small amount I was approved for that amount and much more. I provided all of the information requested including accurate income details. I was approved but required to jump through time consuming hoops after agreeing to a credit score damaging hard pull of my credit report. After they received verification of exactly what I had reported they withdrew approval and declined any loan. Total waste of time and a scam.
I got the extra money I needed unsecured. When I got to closing I was explained my loan. Had I known I was getting the interest rate for unsecured loan I would have secured it. But when the branch is an hour away and you need money ASAP. You have to take what they offer at the time.
OneMain was what I needed to get a loan and help my not so great credit score. I knew going in I was going to pay high interest for a loan from any loan agency. OneMain's Melissa was great to deal with. She told me upfront after reviewing my credit score a loan is possible but will be costly. We went over all of the conditions of the loan and she answered all of my questions. I have used OneMain twice and very pleased with the results.
My initial experience was a positive one, I was approved and funded for a loan well above what I needed. Down the road, all my payments are on time and I've paid a little extra every month and I find myself in need again. I'm prequalified, call the branch office where the agent who helped me stressed over every little derogatory thing on my credit report - much better than when I first took out my loan, tells me to try again in a few months if I still need additional funding. Prequalified again a few months later, payments still on time, still paying extra... same scenario as previous time. My plan is to pay this loan off asap and not do business with them again. Thanks for helping me initially take responsibility for cleaning up my credit report a little.
Completing my loan application was a great experience. I rec’d my requested amount in my bank a/c with 24 hours. The loan reps. at One Main made the application process very easy and stressless. AAA in my mind and I’d recommend One Main Financial for anyone!!!
When I applied for a loan through OneMain Financial, I was offered a plan called Auto Plus. I was told that it provided legal services in addition to towing and travel, etc. I told the loan officer that I was going to move soon and anticipated problems with my crook of a landlord. He said, "Sure,just give them a call at the 1-800 number and they can help you with that." Turns out, my landlord isn't the only crook out there! I called when I needed legal advice and was told by the person at Auto Plus that it is only legal services related to my vehicle! I had been paying for this service and it is useless! I would say to everyone, do not do business with these people because they are liars outright! You will be promised the moon and get nothing!
I asked for 7000 $ to pay off my debt and provided them with all kind of documentation, such as proof of income, bank statements, employment verification, pay stubs. I even gave them my car details and insurance as they said they will use it as a collateral, and I was still being denied and discriminated against, cause I don't see any other reasons. Worse they put their dirty fingerprint on my credit and damaged it even more. I could still take it if it was a regular loan institution, but their people pretend to help those with bad credit and that's a lie.
Had major repair I had to come out of pocket with. Had a previous loan with OneMain. Called a week ahead before my bills were due and explained that I need to see if I could receive funds. If not I needed to know so that I could arrange to call my creditors and let them know that I would be late. I was told that they would call me but never received a call. Called to find status and was placed on hold for long amounts of time and told that they were very busy and short handed and someone would call me back. Never did receive call back after several attempts.
I had to go into the store and the rep that assisted me was not in. Several days went by and finally a call stating that my loan could not be approved after going on web and dashboard stated it had been approved. This Put me in a bind because I needed time enough to contact creditors to arrange payments. Thank goodness I had money coming in to cover a $300 electric bill. The staff was unprofessional and didn’t seem to care. Now I can’t make their payment until late and have to arrange for everyone else to be paid late. I am glad that I have good credit and creditors didn’t give me any issues. As soon as I pay OneMain off I will not be obtaining any more money from them.
Borrowed 3500. Had to pay off 4800 or so. Had an emergency. Borrowed 500. Didn’t get the loan papers until next week when I looked at the loan papers my loan was 7800 to pay back. Come on! For 500 these people are ridiculous.
My mother has had an account for 4+ yrs, pays her payment every month at the 3rd, due date is 6th, but has until 11th, never late, never behind, but every month they call her about her payment several times. Sometimes more than once a day, treating her as if she's not paying her payment. When she tells them she already paid her payment, they ask her if she wants to come to the office to set up a date to make the payment.
She constantly has to tell them she's already made her payment, stop calling her, yet they continue month after month. If she was behind, I would understand the calls, but she's very good with timely payments. She only took a loan from them to pay off medical bills, and Every time her loan gets close to being paid off, they offer her extra money, sucking her in for a refinance. Her credit rating is excellent, I believe they harass her to get her in to refinance again because she makes payments directly now, instead of going to the branch. Now every month she gets so upset from the calls, she's in tears because they harass her like she doesn't pay her bills. I would never recommend them, and I think they target senior citizens.
My experience with OneMain has been nothing but satisfying. I have been utilizing this company for over 10 years (even through name changes) and has been nothing but a positive experience. The staff has always been friendly, helpful and professional. I would recommend this company to anybody. Thank you.
My experience seems to be very different from what I am reading. The representatives were professional and did not judge me or my circumstance. Everything was handled in a respectful way and I am pleased to do business with OM.
This is a very deceptive company. We wanted to build a barn on our property and this was the finance company they work with. I filled out the first information form and got an immediate email that said we were approved. Then the insanity began! We own two pieces of property and are never late with payments. We own a business which has been in existence for 30+ years. Our credit scores are very good. We have hundreds of thousands in life insurance and receive a pension and social security. They wanted document after document.
At one point I asked Agnes, "How much are we asking for? Wasn't it just $10,000?" She apologized but the insanity didn't stop. More pay stubs, letters from my retirement, letters from social security. Each time she came back wanting more. Finally she wanted documentation of the amounts we receive for our adopted son. I refused, and we were unceremoniously refused the loan. I was left feeling like they were just gathering our information for dishonest purposes. I honestly expect our identities to be stolen and all our accounts drained. If they weren't willing to finance $10,000 to us, I can't imagine that there is anyone who will qualify for their financing.
They lie, lie, and lie. I applied for a loan with the Carson branch in California after receiving an email stating I was approved. I asked them if this will show as a hard inquiry on my report and they said "no" it will only show as a light inquiry. I proceeded with the process only to be denied. Now my report is showing a hard inquiry that will not be removed until the next 24 months. Please beware of their misleading offers.
I have had loans in the past with this company, paid off, never any issues or even a day late. Have a small current loan 2/3rds paid off, again NO issues, never 1 day late. Attempted to borrow an additional 1000. For some emergency repairs, I was treated like a NEW Customer, no regards to my past history with them, gave them updated info, then they wanted more (fine). But the so-called branch mgr... CARMIN... The one handling the case, would not return my phone call, after she lied and said she would. Then after hours of waiting, called her, again ANOTHER LIE. She said she believed she did call. Not True, have Caller ID, so Unprofessional Branch Mgr, with no customer skills, but good fibbing skills. I would never recommend anyone to trust One Main Financial NORFOLK NE 68701, till they clean house first and foremost "CARMIN", Branch Mgr.
After looking for a place to do a quick loan to get me by I stumbled across OneMain. Did the application online and got an email shortly after saying I was APPROVED in very bold letters. After two phone calls to the local office and an hour on the phone I was told that I was not approved and that I needed a co-signer. Wife called up and co-signed and was still denied. So watch carefully and ask questions because if you get an email that says APPROVED in bold letters from OneMain after you submit an app it's just them baiting you.