OneMain Financial Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I have been getting pestered by Onemain for over 1 year. So I was at a point where I needed to get some funds to tide me over until my Heloc loan in January 2023. I supplied them with bank information, documents and ID etc.. Received a call saying I was qualitied for $8600. They asked that I send further documentation and did two "Hard Pulls" on my credit.

I have received personal loans from OneMain Financial over the years and while the interest rates I received have not been reasonable compared to other companies and credit unions I have dealt with; I took advantage of personal loans on a short-term basis. My most recent experience with One main Financial Centerville branch to secure a small unsecured personal loan could have gone better. I received a prequalified offer online and, in the mail, to take advantage of a personal loan for $18000 which was to pay off my existing loan balance and provide me with another $3800 for home improvements. I provided the branch representative with bank and annuity statements to verify my income and retirement status.

I applied for a secured loan. Sent them all the requested documents they asked for. I spent $75.00 faxing over my tax return at Office Depot, which they asked me to do because the file was too large to upload. They led me to believe up until the final underwriting that everything looked great and even scheduled me an appointment to come in and sign the loan agreement. An hour before my appointment, I was told I was denied because there was a discrepancy between my tax return and IRS tax transcripts. How can this be? I got my tax return from H&R Block which was accepted by the IRS and my tax transcripts directly from the IRS website. I offered to log on and retrieve these documents from their office, in front of them. How can there be a discrepancy?

Due dates are the 20th of the month. The next statement is not issued until the 5-7th of the following month. That makes 12 days accumulating daily interest. If trying to make payment for next month say on the 1st or 2nd there is no closing or ending date for the monthly statement so that payment posts to same cycle does not reflect for following month. Worse is next month's is considered a missed payment unless you pay again. The delay in issuing a statement until almost 2 weeks after due date is predatorial in nature as daily interest accumulates.

I'm telling you please do not get a loan here. They are the Worst loan company I have ever seen in my life. If you are late 2 days they keep calling. I have a Netspend account, I have a regular bank account which this payment is taking out of. I have credit cards that are in good standing. They do not want to take any credit cards or netspend. I wish I would have just stayed with my original loan company. I am going to get a second job just to pay them off early. Because I cannot deal with these loan sharks. They will make your life stressful, depressed, and just think everyday why you got this crappy loan. DON'T DO IT.

I took out a loan to catch up on some finances. I paid 138.58 on the loan on Nov 26th for the Dec payment. On Dec 5th they automatically took out another 138.58 and threw my bank account into a negative 165.00. I called them on the 7th Dec and they told me they would reverse the charges if I showed them proof. I sent a bank statement showing two payments were made to them for Dec. payments. They reversed it on their end but never reimbursed my bank account so where is my 138.58. I hope whoever reversed my payment and pocketed my money had a nice Christmas. It now January 1, 2022 and I have still not seen my 138.58 that they were suppose to put back in my bank account.. I will pay off my loan but will never use them again. Don't use these guys at any cost.

I filled out the information. Get approved an unsecured personal loan. They saw my car loan on my credit file, call me. Want to use my car as collateral, so it is not an unsecured loan. Hang up and tell them, "Don't bother me." And they are pretty rude too, not recommend.

At the beginning of Covid-19, I was looking for an Audi Q5. I found one at driven pre-owned in Lenoir NC. I went to check it out and ultimately found a different one I was interested in. Cody at Driven pre-owned contacted Brandy at OneMain Financial to get her to help him coerce me into buying his Audi. Well with both of them contacting me and pressuring me, I went against my better judgement and bought it. The car had so many issues from day one. This was the biggest purchase mistake of my life. The brake light was on, the backup camera didn't work, my taillight fell out on the highway, my engine was gone within a little over a year. I'm stuck with owing $12,000 and the cost to fix it is $11,000.

I had a loan with One Main and my truck title was tied to the loan. I sold the truck and on August 2, 2021 the loan was paid off. It is now August 23, 2021 and the company that bought my truck still does not have the title. I will never deal with this company again and if you do be please be wary. The truck was sold to an established company, Tooele Auto, in Tooele Utah. One Main has held the title way too long.

One Main Financial sold me unemployment insurance and when I needed to use the insurance they denied my claim for the one and only thing I asked about when I purchased the insurance. They lied and told me, "Yes sir, it will cover your payment if your contract ends" which was a bald-faced Lie. So I ask you why would I buy insurance if I knew it would not cover anything? The answer is I wouldn't and I have paid for two years on this insurance, I feel like such an idiot but I was lied to and that is not cool. This company has no business ethics at all. Avoid One Main Financial completely.

Please stay away. Interest rates high. Lie and never gave my husband paperwork Horrible rates. Liars. Hard get out of it. Customer Service horrible. Try other options. I want people get together class action lawsuit. Please be careful with loans.

This company is a lender of last resort and they know it. After a divorce, my credit was damaged and I need to make some emergency home repairs. In hindsight, I should have approached a family member first but I was too embarrassed by my credit score. One Main will lend you money when you have a credit score of 580 but it's going to cost you 35% and interest is a daily compound just like a credit card and that is flat out predatory. Avoid them at all cost if you can.

Debt Cycle to keep you In debt. OneMain is the worse gear to keep you in Debt. I Paid over 8000 on loan for 14000. Still owe 11476. Has not gone down much everything towards interest very little towards principal. Race motivated.

I opened a loan account with this company several years ago and never missed a payment and always on time. But due to Covid and my wife had major surgery on her right ankle that left her incapacitated. We had to buy medical equipment so that she could move around and enable her to maintain her hygiene etc. I requested from One Main to allow me to work with me on payments for 2 months max so I could get on my feet and maintain the payments that were over 500 a month. They refused to allow me any leniency and would call me and be extremely rude.

They email me to see my offers, They do not even show me a rate of interest, they right away get a hard inquiry in my credit, Without notice or warning. They call me to see if I would like to apply for the credit, I explain that I'm not interested and please remove the hard inquiry, The customer service representative shows that they don't care about my concern issue if you do not apply for the credit. Before you give them any personal information to see your pre-qualify be aware that they will affect your credit.

I've been paying my loans on-time since April 2020 (about 13 months). I borrowed $15k and my monthly payments are $569 a month. I'm so disappointed with how little my principal balance has gone down. I should have about half of the loan paid down by now if it wasn't for the ridiculous interest. Instead, I only have less than $2k of interest paid off after paying over $500 a month for this long. These loans are shameful - should be illegal.

I called requesting a refund to my account and I spoke to the branch manger and another representative. Both were extremely rude and unprofessional. The manager kept yelling and told me to call back then hung up the phone. I called back and no one picked up. I have tried calling this office from 10:13am to 10:38am over 41 times and no one was picking up the phone. They just let the phone rang and go to voicemail purposely. I left several voicemail and email. Never received a call back. Awful response time. I had to call the customer service number for them to reach the branch for me...horrible service quality. If I never had to deal with this Melville branch ever again I would prefer not to. They are rude tone of voice, unfriendly, unprofessional, doesn’t show concern for their customers, Can’t get a hold of a real person, Rude discourteous behavior, Lack of manners....just disgusting.

Never missed a payment! My husband was diagnosed with Cancer so we experienced high medical bills in April. Called OneMain Financial to defer ONE payment. Was told I had to call back later and pay 1/2 of the payment in order to defer one payment. BIG HELP! Have to laugh at the "One Main Financial is compassionate and willing to help their customers above all else". Thanks for making a difficult situation even more difficult One Main.

Their website says it won't affect credit scores. The Agent on the Phone took 10 minutes collecting all information. I affirmed that if I do not need an offer if they would do a hard check but they said they won't and then immediately placed a hard check on the account. Their agents need to be trained on differences between hard and soft credit checks.

Due to COVID, I requested assistance numerous times with me struggling to keep up with my payments. One Main Financial called me at 4 times a day every after refusing assistance. Finally, I stopped asking for assistance and may my payments without going into 2 payments past due. Then Texas winter storm caused additional issues with over 3,000.00 in pipe damages and very high Homeowners deductible. Therefore, this caused even a more financial hardship.

I am giving one star to the concept of borrowing a large sum of money at a high credit card rate. The fact that OneMain Financial specializes in these loans is why I am giving them one star. They are leaders in a sector of banking that I wish didn’t exist. But I am not mad in them, or even disappointed in them. I just wish I – and many others – hadn't needed them, or could have found a better way to get through without such bad loans. I am writing during a peaceful ending to an expensive relationship with OneMain Financial. I had an $11,000 loan (the product of being refinanced one time), and the interest rate was 27 percent. In the first 1-1/2 years of $345 payments, the principal dropped only $2,000. My interest payments in this period were more than $4,000. Yuk.

Every month I am reminded what scum this company is. People, like myself, who are struggling apply for these loans because of emergencies. I understand interests rates but this is ROBBERY!! $300.00/monthly payments for only $20-$30 going towards the actual principal... This should be ILLEGAL!! How anyone with sense can give this place a good rating is fraud!!

I had two loans with OneMain - Secured with a car - paid off and a consumer loan. I ran into some problems paying the consumer loan on time and they sued. Asked for about 35% more than what I owed. Then I negotiated a settlement with their lawyer and paid as agreed in court. Now they are trying to garnish my wages, not keeping to the agreement. They were very predatory while I was a customer, refinancing over and over again, then treated me terrible. Do not do business with OneMain.

OneMain doesn't care about you. Just like any other company they only care about the $$$. I have been off work since March 2020. I finally applied for the unemployment insurance that I took with my loan. I was denied the insurance claim because I am receiving (PUA) pandemic unemployment assistance instead of regular (UI) unemployment insurance. To me being unemployed is being unemployed. What other thing could it mean?

On November 19th, 2020 I was contacted by a OneMain rep to refinance a loan I had with them. So I submitted everything online and was contacted by a different rep to complete the process. Background, I have had 4 loans with Onemain. The first two I paid off early, the second two are active and one was being refinanced which would make it loan number five. So everything was fine and I even asked the rep since there was a payment due on the loan being refinanced should I expect the payment to come out or would the new loan override it. She assured me everything was fine and the money won't come out of my bank account. So we closed and I signed all the docs digitally. Was told to wait the 3 days for the money to be in my bank account.

They keep sending me advertisements for no reason at all and looking into my personal info to lure me into a high rate loan with them and calling them does not help because they are rude on the phone.

Personal loans always seem to be needed at the worst possible times. No one wants to have to take out a loan to simply live, to pay for an emergency, to overreach in order to have enough money for a reliable vehicle. Let's just be real, personal loan company's are in the business to make money off of you. When you have no other choice, you have to bite the bullet and get hammered with ridiculous interest rates. It doesn't matter how hard you work, how good of a person you are, or what the need is. They are overly nice, they oversell what you can afford, and let's not forget the extras: ie auto plan. So all that said by the time you get to signing the paperwork you get the pucker factor when you hear your monthly payment. If you can avoid personal loans that is best. If you cannot, go in with a solid borrow amount and do not allow them to talk you into financing more than you can afford.

Received a offer in the mail and needed a loan. What I didn't realize was the interest was just unbelievable but I justified it in my mind thinking I could handle this. For months I did. Onemain is a great company to get you that HIGH interest loan but like any other loan company it's about you paying back not about you as a person. I had to turn it over to a National Debt Relief company to get out from under the high interest rates. So I don't recommend One Main loan. Tried to talk to them but their answer was to, "Come in and let's see if we can lower your payments" but in fact in doesn't lower your high interest rates. It just sets up to to pay way longer than you planned.

I went to One Main Financial to get a title loan to help us out with our finances when our company went under. Although they did approve our title loan in our time of need, we definitely paid the price. The interest rate was outrageous. We put our Durango title as collateral on the loan. The payback was more than double our loan amount. If you are in a very bad bind it’s an option but I would pick any other choice due to the high interest rates.

The office in Berlin NJ sent many solicitations. I finally answered and borrowed $5,000 to refinance my car and borrow $2,000 to move. They charged me $7,000 to borrow $7,000. The lady who set me up with the loan asked me if I wanted gap insurance. I told her yes. She said O.K. that she would set it up with another insurance company. Now they say I don't have gap insurance. I was set up and cheated. They had me paying $14,000 for a $7,000 loan. I will be taking them to court for predatory lending. I feel they were racist too.

Very satisfied with the service. I especially like Angela. She explained the loan process and everything done on line in the office. When I need money in a hurry One Main was the one, banks unless you got perfect credit won't even. I love the absolute about them. I love the direct deposit of my payment so it is never late monthly. If you need a loan I would recommend One Main Financial. Ask for Angela. Marlton NJ office.

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.

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.

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.

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.

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..

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.

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.

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.

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.

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.

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!

"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.

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.

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.

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.

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.

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.

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.

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.

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!

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 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.

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 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.

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.

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....

A loan specialist called me within 3 minutes of submitting my inquiry. We set up all the pre-qualifications over the phone. She said I was approved, emailed me links to send pictures of the documents I needed. Which weren’t many, I went to an appointment the next afternoon and the money funded to my account the next business day. I was approved for more than I anticipated, and the customer service both on the phone and in the office was outstanding. My credit is less than perfect but they treated me like I was the most important customer they had. I would highly recommend OneMain Financial!

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.

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.

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.

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.

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!!!