OneMain Financial Reviews

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.

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 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.

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.

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.

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.

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 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.

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.

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!**

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).

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

I had the loan about 2 years, even went back to get additional funds about a year ago. Each payment deducted from my account each month without issue or problem. I started really looking at the loan and the fact that it seemed to not go down. I spoke with someone at the branch and they suggested I make additional payments. I did that and saw no change, upon review I saw they did not apply my additional funds to the principal... I called them on it and decided to pay off the account. I was quoted an amount, but was told by the branch manager to wait until the next week so he could fix the problem with the payments. I waited and then visited the website that Tuesday, made a payoff. The very next day I was charged an additional $64 that I still am not clear on why. I paid it to be done with the inept staff but I will never EVER deal with them again. They are crooks!!!

Credit Karma stated that I have an excellent approval odd for this company, which I went ahead and applied to consolidate my credit card bills. I was instantly approved for 9,000 unsecured or 15,500 secured (I pay all my bills on time). Message stated that a specialist will give me call to go over some things in regards my approved loans. After a few days, someone by the name of Julian finally called me. We went over some questions and he stated that he will have to send my application to underwriting and will call me back the next morning. Never heard back from him. So in a couple days, I called and spoke with him, he stated that underwriter can approved me for 5000 only and wasn't sure how to explain to me why.

I was very impressed with OneMain Financial. Their team took care of my loan needs quickly and with a very pleasant and professional attitude. I never once felt judged for my situation and was treated with respect. I would definitely recommend this company to anyone needing a loan!

Being in a hard spot I had to get a loan. With 42% interest I wouldn't recommend this place anyway. One of my friends was also in a hard spot. He asked where I got the loan. I remembered that they told me if I recommended someone I would receive $100. Do you really think they gave me that money? If you guessed no you are exactly right! The guy Garrett told me that I would get it after asking about it, so I waited a month never got the money so I called again. This time I spoke Hector the manager. He was very unfriendly from the start, put me on hold to figure out how to get around this issue that was in front of him. So he gave me a bs story why he couldn't give me the money. Bottom line don't use this place for a loan. Go to Avant. They are much nicer and will give you your reference money.

So far has been a pleasant experience with them, friendly, professional, and thorough. They gave me the loan when both of my financial institutes turned me down, my score isn’t perfect but my record with them is perfect. Therefore I would like people to know if they are turned down by others to give them a try. If anything happens in the future I will update this review.

I applied for $5,000 through Credit Karma because my chances of getting approved was “excellent”, I did get approved for $6,800 and was told to send in documents. I sent in everything that was required, then I was told to send in a couple more documents by Nate that was handling my case and that he would be able to get me closed out afterward. A day later I couldn’t even get in contact with Nate and had to deal with other reps and neither knew what to do. They said I had to do security questions, then they say I didn’t have to do security questions, then the questions wouldn’t generate for them. I was told to send in a W2, social security card, or one more other document (I don’t remember what it was) that shows the last four of my social security number.

They did a rush job on me and by the time I started paying (I haven't missed any payments anywhere) after 2 years I pay 124 in interest and 126 in principal. No they won't return phone calls and honestly I would think that their practices are just barely legal. They are the most undesirable company I have ever worked with and I advise EVERYONE here and those I talk to to avoid them at all cost.

They may have an offer in line for you, but it's most likely "conditional," so as soon as you call to finish up the application they'll force you to finance more or deny you. For example, I just wanted a $5000 loan to consolidate credit card debt and they saw that I owed $30,000 on my car, so the "condition" was that I MUST finance $35,000 or no loan. This was AFTER pulling my credit, being "approved for a small loan." Be VERY careful and honestly don't use them if they can't tell you the truth upfront.

This place needs to be checked out. They approve you on the phone with the 800 number. When you call the office they tell you that you been approved and when you go in person they tell you that you haven't been approved, they ask for paperwork for what -they still going to denied you. You have to call them like 10 time for someone to answer and get information. They are a waste of time. They're no help and they full of **.

I had a previous loan with OneMain when my AC went out. (In the summer in South Texas not good!) OneMain helped secure me a loan to pay for the new AC. Then a financial burden struck my household and I was at risk of losing my home... Once again OneMain came to the rescue and helped save my home from being foreclosed on. They always are there to help me when a crisis hits our household. I don't know where I'd be without OneMain Financial!

The staff was very helpful and getting the loan was easy, I just wish the interest rate wasn't so high. I will use OneMain again but only if the interest rate comes down, now that I have been a customer.

I am a current customer and a financial crisis came up and I could not make my payment one month. They worked with me and refinanced that month within a few hours. That helped out so much for me. Thanks guys.

I hope someone can find this review helpful. If you are considering taking out a loan from OneMain don't do it, you will be paying it back triple. I made the huge mistake of taking out a loan from them but never again. I don't recommend them to no one.

I was in need of getting a loan to pay other credit card debt in order to lower my monthly combined credit card debt. OneMain was able to secure a loan for what I needed within a few hours via phone. I didn't have to make multiple trips to them nor jump through any hoops. They were knowledgeable and polite. I left there not feeling like I made a big mistake. I'm on my 4th payment and there have been no surprises. I feel confident I would use them again.

They helped me get a personal loan when I was in a pinch. Everyone I worked with at my local branch was helpful, professional and explained the process in full. Overall, very happy with my experience and I would definitely recommend OneMain to anyone searching for a loan.

As a repeated customer and always paying on time, I sought another loan and was told they would NOT reduce my interest rate. This shows me that they are driven not to service great customers and so I went elsewhere and got a loan. Can't wait to pay off my existing loan and never will go here again.

OneMain has taken good care of me. I needed 6,000 and they offered me more than that. Gave me insurance that fit my need not theirs, and monthly payment I can afford. I hit on hard times, so they refinanced me with a lower interest rate. My payments come right out of my account, and I don't have to worry about late payments or fees. Because of them, they have helped raise my credit score, and I always have an agent to answer any questions on how finance work. But the decision are my choice. So I am happy.☺

If you get behind on a payment, instead of just calling your personal phone number, they CONSTANTLY call your employer phone to which has caused me to get fired! Do NOT get a loan with them unless you want to have a constant headache!

You borrow x amount of dollars and as soon as you pull your credit to check anything you will see that they tacked on ALL your interest that you will pay for the full term of your loan. Doesn’t matter that you will pay off your loan in less time either. They don’t seem to care how they affect people’s credit. Not cool when trying to buy something else. Debt to income ratio is now all screwed up so good luck getting any other type of loan. Borrowed $7500 and in only 6 months of paying my payoff is now $8500 and I’ve already paid them over $1500. So in a quick 6 months they have already profited over $2500. Think long and hard if this company is someone you really need to borrow from. And FYI my credit isn’t even bad. Hate to see what they do to people who do have bad credit.

I applied for a personal loan and had to send all my documentation several times before they eventually got it (after I called the Executive Office to complain). I sent everything that was required with phone numbers to verify. They finally said they received all that was required and I was eligible to borrow 1750.00. I told them I was only borrowing 1500.00. Then they said something about buying insurance. I declined. The short of it all 30 minutes after I complained of their handling of my information I was denied the loan after being told I was eligible. This is the worst company. I have never felt so humiliated in my life. Nor have I ever been treated like I didn't have any sense. You're better off with a payday loan. Please do not use this company.

Received a letter stating, I was prequalified for a loan up to $10K... I have received these letters before, & applied, but due to my low income, high credit card debt, & just a FAIR credit score, was always denied a loan in minutes... but not this place... I accepted their "offer" online, & got a call from a gal in minutes. She took ALL the info from me, that a company would need, but then asked if I will talk to someone at my local branch, & I was transferred to him, who asked me the same questions over again..Said he would call back in 30 minutes with a decision. Never heard from him again. Another guys calls, to ask more questions, I explain about the second guy, he says some, WEll just to make a short story long, it took them 2 days, & 5 people to tell me I wasn't approved. Their employees need more training.

If I could go be negative rating I would. Received a call stating I was approved for $13k in an unsecured loan. I had to stop in at the office to sign the documents and pick up a check. Naturally the man named Dre said underwriting couldn’t get the loan approved. What do you mean you said it was already approved. I’d like my check and I’ll be on my way. Dre comes back 15 minutes later stating they would go be me $3850 at almost double the interest 33%. I told the man there is a sucker born every minute. Demanded all of my paperwork and everything I signed to take with me.

I had gotten a loan with OneMain at the time our credit score was not all that great. I paid on time all the time. After our score got to be much better I refinanced. The interest was higher than the first time. I called today and ask if I could get the interest rate lowered and she told me it was because of the plan I choose. First off I didn't chose any. They just gave it to me. I ask for a manager. She said she could help but done nothing. I told her that she must not care about the clients that use the services there and was unwilling to help. I know for a fact that if I call a company that I can get the rate reduced and pay through the company and not affect the credit score. Why are the people that work in the office such **?

I applied for a personal loan on May 27th with OneMain, and received an automatic approval for $6,000 upon meeting the following conditions. "Verification of your identity and address, Verification of your monthly income and review of your expenses to determine the loan payment fits your budget according to our lending guidelines. The value of your motor vehicle to be used as collateral is sufficient according to our guidelines (secured loans only)."

I am fairly certain that the good reviews are fake and paid for. I should have listened when I read the reviews stating that they are unreliable and unprofessional because that is the truth. Gregory called me basically saying it was a sure thing with my loan. I had to give him a few other pieces of information then I was good. So I sent that through then like 2 days later he said, "Actually you need a cosigner and all will good." So I did. I ran around getting all of this information today for him to say on Friday "sorry unfortunately you were not approved" as if that's a justifiable reason/response for how much we've been in contact and with you basically confirming I had the loan initially.

A loan was processed in my name without my permission in the amount of $10,000. for vacation funds. I went directly to their closest office and filed a written "victim's complaint" which was faxed to their main office. I have heard nothing from them. I sent 4 emails to the address on the document; but no action. I believe they were hacked, but will not admit they have security flaws that could affect thousands. Their system does not protect us and they have not proven they even care.

I already have an account with OneMain and last year I fell behind on my payments, I spoke to my local branch to explain that I was having financial hardship due to divorce. The guy asked me if I could borrow money from a friend or family member and then they would call me MULTIPLE times a day until I blocked them. Recently I was able to catch up on my account and applied for another loan and was approved for the amount I needed and was instructed to call my branch. I call and the same guy tells me they sent my account to their home office and they can't give me a loan bc my loan is in their collections.

I applied online. Was informed would be able to do a lesser amount. Ok no problem. They called me and said could only do it with a cosigner. Got a cosigner then it changed to they wanted collateral. They told me they do no collateral but a lower amount so I said fine. It still was enough to do most of what I wanted. I spent an entire day running around getting proofs and everything they wanted. Together my cosigner went up to sign everything and they then say, "Nope. Still want collateral".

Was told I was pre qualify and then they run my info and now not qualify. Wow. Very disappointing. Was told they was going to use my additional income from wife but they ran her info so we both got hit on credit report.

I'm not even a customer. I have never heard of them until December 2017. They called me to tell me I am late in a payment. I was surprised to hear from them. They let someone open an account, using my information. When I got paperwork, half of the information is wrong, including a signature. They sent it to a collection agency to put on my credit report. I had to contact the credit bureau. They are still calling. I may have to seek legal help. I would love to see who walked into that office that day and time using my information.

I have had a loan with this company for several years, not by choice, the actions of my ex left me no choice. I have asked very nicely for them not to call me during my work hours - they are really good at ignoring that request. I am receiving sometimes 4 calls a day from them. Now they are using branches from outside the area code to see if I will answer the phone. I am dropping off a cease and desist letter today. Enough is enough. If they would learn how to look at their computer, they would see the payment is set up off the website. March 20th 2018 – 4:27pm. March 21st 2018 – 10:55am. March 22nd 2018 – 10:31am, 3:45pm and 4:42pm. March 23rd 2018 – 12:14pm, 1:57pm, 2:02pm, 4:04pm. March 24th 2018 – 8:30am. March 31st 2018 – 8:53am, 9:59am, 11:42am, 12:20pm. April 2nd 2018 – 11:08am. April 6th 2018 – 12:20pm. April 9th 2018 – 11:11am, 1:13pm, 4:40pm. April 10th 2018 – 10:03am, 3:42pm.

Unless you are hard up for money, be very careful with these guys. I know my credit isn't the best, but it is better than a lot of others, they offered me a $13k loan at 38% interest for 6 yrs, I quickly did the math, even doubling up on payments which I could, I would be paying more in interest than the CC. I turned them down right away as I can make the payments just fine the way I am doing them now, would have been nice just to clean it all up. Today I got an email from them saying after consideration, they cannot fund my loan. They are sharks!!!

After having a rough couple of years I needed to take out a loan to consolidate some debt and to be able to give my girls' birthdays this year. I went through Lending Tree for a small or loan so went through their system again to get a larger one. OneMain Financial was the pre-approved company that had the best interest rate. I completed their application online, I did have some difficulty getting documents to submit. I was called the next business day from OneMain Financial by Heather in the Nixa, Missouri office. She was very easy to work with, very professional, very relatable, and very sympathetic. I went in early that same business day with required documentation and the money was in my bank the following day. Yes they do include an additional program with their quote but given what's all in in that program. Overall I am saving money per month, have extra perks as well as life insurance and vehicle reimbursement costs.

I contacted them about taking out a loan. I asked for a 900.00 loan. The guy on the phone told me the minimum for a loan in my state Georgia is $3000.00 but I can pay back the 2100.00. I gave all my info. I make 50,000 a year. I don't have a home or a car to put on the loan which he failed to tell me. Ran my credit, told me I was approved then asked for my checking account information. I gave him my information and then he tells me I need a co signer and he noticed I own a car I paid off my credit on my report. I can use it to acquire the loan. Which the car has been totaled for 4 years. Please stay away from this company. I found them through Credit Karma.

I was extremely pleased with the service received. I had an existing loan with OneMain and received a mailer indicating that I was eligible for an additional sum of money. I put it aside to think about it and the following day received a phone call from Joey at OneMain. After a brief conversation he set up an appointment for me later that same day to come to see what I would qualify for. The procedure was quick and easy and the money was in my account the following day!

This is for location in LIHUE KAUAI, when I got a loan I couldn't believe how eager the staff was to me with making sure they got my business, here I went back to them to try and get another loan to consolidate some bills. When I went there the staff wasn't so helpful as the first time. After giving all my information all of a sudden she stopped and said, "I will call you this afternoon or tomorrow if you are approved." That was 1 week and still no call. I notice that if they want to give you money they are all into helping you but if you are not approved they really don't care.

I applied for a loan with a co-signer and got a notice that I was approved. I submitted all the documentation and was told everything looked great and would need to be sent to my local office for signing. 48 hours - no response. I tried calling but their customer service number asks for social to access account info and then doesn't find an account. No way to reach a live person. Finally contacted my local office and they said I couldn't have an out of state co-signer but they would try to approve it with just me. I was told it was likely I could be approved, then nothing for 3 days. I called and they said it had been disapproved. Two days later I finally received the email declining me, but telling me I could add a co-signer. My only co-signer is out of state! Over a week and a half wasted on this and false hope all along the way. I needed it for medical treatment.

Applied for a loan and was approved for more than I asked for. Sent all the documentation that was requested and was told everything was a go. Scheduled an appointment to sign documents later in the afternoon. Called back to make sure all was ready to go, since I would have to leave work to make the appointment and was told that now the loan was denied because of DTI. Which they knew about and approved. No explanation of the quick turn around or follow up services. Very disappointed in the lack of customer service and help. Staff were absolutely underwhelming and not enthusiastic to help or respond.

I had an overall bad experience with OneMain Financial, first of all the manager with the mullet in the Englewood office was the most unprofessional and rudest excuse for a manager I have ever seen in my life. The entire office looked depressed under his operation and it obviously reflects in their customer service. I highly recommend that no one uses this company due to their software is unsecured and your personal information is not under lock and key. I uploaded at least 20 documents before I got to the office and they had received none of them, I have no idea who has my personal information now. OneMain Financial is just a pawn and loan shop with a new name, ultimately they want your car to give you a loan.

Applied last Friday and was approved online without collateral for more than I had requested. Someone from the Corpus Christi branch called me and asked me to send in all my documents which I did the same day. Here it is 5 pm end of business day on Monday and I have yet to hear back from them. I have read a lot of bad reviews of them not calling people back. I think if you're going to take all my information you should be giving me some kind of update.

After 2 weeks of sending federal tax copies, then State, then more Federal Tax forms, I was told my application was sent to "underwriting". It was denied and I even had a great co-signer however, now I am getting mail from other bs loan companies like America Web Loan telling me I’m pre-approved for $500 plus. Beware of this bait and switch loan shark operation, they are selling your personal info! SCAM ARTISTS!

I had a great experience dealing OneMain. The customer service was great. Everyone was very friendly and helpful. I had already closed on my auto loan for a '06 Altima, I had got some bad info on the car and didn't want it but wanted a different car. They let me redo my loan and add the other car 2004 Toyota Camry instead and I am so happy I was able to change. They didn't give me no type of hassle at all.

Already have an account and when I log on there are 4 approval offers. I started sending them my verification documents and a rep called me. She saw I had a One Main account already. Then she pulled my credit and reviewed with me. 2 hours later I get a call stating that since I already have a loan they won’t do another loan with me, even though the new loan was a collateral. My issue is, if you knew you wouldn’t lend to me with me already having another loan, why would you have the approval offers when I logged on to my account on my main screen... Not the generic site login... On my actual login page and then proceed to run my credit? Not happy. There should be a few more checks and balances to avoid stringing someone along and putting another hit on their credit.

HORRIBLE customer service. The website is even worse. It only records online payments. If you make another type of payment via check or by phone it doesn't update in history. Ms. ** isn't helpful. Sends confusing miscommunication emails.

I should have listen to the thousands of reviews but I kept getting "pre-approved" letters and email. So filled out the online app and was approved. I receive a guaranteed amount for life as income. I added in other income that verified on my bank statement. Received a call that I can't use the "other" income or provide recent checks for monthly income verification. I would need to provide at least last year's tax return. Now they won't even loan on the guaranteed amount which is only slightly lower than what I had submitted without something to SECURE the loan... Figures. Everyone all over the internet said they do this all the time. And kicker is that my credit is good. All accounts always current. Not ONE late payment... Don't waste your time with this company.

One of the WORST loan experiences I've ever had. If I wanted to buy their life insurance and additional insurances my interest rate was lower. The minute I said I was not interested my interest rate went up. This is got to be one of the WORST practices I have ever seen from any lender. I do plan to contact the State Insurance Commissioner first thing tomorrow as well as any other organization that deals with regulating the financial institutions that use these practices. I am also going to reach out to several news organizations informing them of these practices.

I had such high hopes with this company. I read reviews and really investigated before I decided to go with them. I got an email confirming I had been approved for $5500 dollars. I would be getting a call from them sometime within 24 hours. Well 24 hours came and went I finally called them. I was transferred 3 times before I was given a number for our local branch. I talked to a gentleman at the local branch and he took forever to find my application. Once he found it he said I should hear back from him that night or the next morning.

I needed roughly Five K to take care of some medical bills that had been sent to collections. My credit was on an upswing before the hospital had sent them to collections but because of that, all regular avenues of loan servicing were cut off from me, even with a 650 credit score. I went to AM-One and they paired me with several lenders, one of which was OneMain. But, because of some of the negative reviews I had read, I tried a couple of the other lenders. One was nice enough to give me half of my asked for amount for a payment of over 400.00 for 13 months. I declined the loan. So I decided to give OneMain a try and I WAS AMAZED.

I have been late on payments a few time due to disability. I have never missed payments but only late. They continue to say I missed payments just made me make three payments. There are payments missing. And beware if you are late. They take your entire payment and put it to interest and nothing at all to the principal of the loan. I am not sure how they are getting away with this. I was out on disability twice and made it impossible to get help even when you have the insurance. And on top of everything else let’s not forget about the harassing phone calls. They blow up your phones all day long. I feel that I should have been charged a late fee. But to keep taking my payments and not give credit. Is insane. Please people stay away.

Despite being approved for a loan in late January for $7,500.00 and scheduled to come in to sign for the loan on 02/15/18 I was contacted the day before - 02/14/18 and told an issue needed clarification, which was accomplished satisfactorily. I was then told, the following day was told not to come in as management had declined the loan and gave no reason. Don't waste time with this group - regardless of how long they have been in business, they are a predatory lender, whose staff is unprofessional and uninformed - how they have avoided lawsuits is startling! Hide behind the years business. SPENT SIX WEEKS BEING LIED TO and extending personal information / very disturbing experience.

They didn't explain that the insurance was optional, I canceled it a couple of weeks later and they didn't refund me the amount that they charged me over $400 less. This is ain't right. Never again, and also the interest rate is way too much.

I absolutely love our local branch. They helped find a solution when we were financially having hard times. They always work with us and appreciate that we have been great customers for many years now. During our first loan we always paid on time, but this last time around the last few months were hard and they didn't judge us or harass us at all like some places would. We are now back on track because they helped us find a solution. I will never go anywhere else for a loan.

This company is horrible. Bad customer service, very high employee turn around. Bad information passed along and they try to do the bait and switch, which unfortunately I fell for. I defaulted on my loan after paying on it for a number of years. Due to some unexpected hardships I was unable to make further payments nor were they willing to settle for lower payments. They garnished my wages and that paid off the borrowed amount. They have now sold the $8000 unpaid interest amount to an attorney who now wants the money. I would have been better off filing for bankruptcy to begin with. Stay away from them. They'll kick you when you are already down.

If I could leave -100 stars I would! I got a 15.97% interest loan ($17262 doesn't include payback) to pay off credit cards and had an in depth discussion on never close cards because it affects credit score. They offered to send in the payment for the loans. When I checked the counts, 6 of the 7 had closed. I contacted every company and everyone said they had received a letter from ME with my signature instructing them to close my account. It dropped my credit score 52 points. OneMain told me they hadn't done this, who are you going to believe 1 person or 6 people?! I had the one company send me a letter so that I have proof. Can you say forgery?!

I have read through the other reviews, but regarding myself, I am very pleased with the Customer Service of this Institution. I have been doing business with them for several years starting when they were American General, then they emerged to Springfield Financial and recently emerged to OneMain Financial. They have always been friendly and sensitive to my needs. I hold this Institution in High Regard. They have helped me several times when no one else could. I have not had any wrong or shady dealings with this firm. They have always been honest with me. When I walk in through the door they welcome me on a first name basis. Over the years, they have been very helpful and all their employees are knowledgeable in their business. I have no Negative statements to say about this Financial Institution. They have been very helpful to me. I could sum them up with one word... PROFESSIONAL.

First, they took forever getting back to me after I called them back. Then they neglect to tell you the ridiculous interest rate until the day you sign. Once the loan was signed, they give you a ten day grace period on the due date. But on the first day after the due date they call incessantly. At least once a day sometimes more. l would mail my payment to the Ohio address, and if it was a day late arriving they tack on a late fee and harass you about that. Most places look at the postmark and if it was mailed before the due date they waived the late fee. Not these buttheads, nope not a chance. And as I said they call daily expecting you to send the late fee right now. Did they help in a time of need? Yes they did.

I had an investment home and I ran out of money to fix it. I went to this company and in my desperate moment I pulled the trigger to apply. Since I was approved so quickly I was relieved... well since I was approved 6 months ago for 6,000 I still owe 5,700. About 100 dollars goes to my balance... DO NOT MAKE THE SAME MISTAKE. EVERYONE ON THIS FEED MADE YOU'RE BETTER OFF GETTING A PAYDAY ADVANCE... This is the worse thing I did in 2017. Stupid me!

Waste of time -- they fraudulently lure you into their office through an online scam they run to get applications, then change the rules once you've submitted the paperwork. Customer service is **, as well. Rude, slow, and condescending. Let the market eat them. They will die (thankfully) when subprime loans take a ** again.

I paid off my loan with the company and now I’m waiting for my title. No one can locate my title so I’ve been told. I have to pay 95$ dollars for a new one because they don’t feel they need to send me my original one because I paid 200$ less than my account because I settled. If I knew how much of a headache they would cause I would’ve gave them all of it. They suggested the settlement! Not to mention they do the most pettiest stuff when it comes to reporting to the credit bureaus... As she settled for less you said all that but I did what I agreed to do! So why is it I can’t get my title? Bad karma. That’s why y’all changed the name because y’all did so many people wrong. I pray that I never have to deal with a company like this. They even sent me forms with the incorrect VIN number. You guys definitely fooled me but I definitely know better. OneMain is the worse mistake I have made during my 20s.

Yes, they will be there to loan you money. But beware of the life long loan you’re entering into. High interest. No way to refi, but they’ll tell you you can. Late fees. Rolling interest. Never can get a live person on the phone. Don’t deal with them. You will regret it.

I had an auto loan with Springleaf, which turned my account over to this company. I was one day late on a payment after being on time since my first payment a year in, and instead of giving me the courtesy of removing it from my credit report, considering my perfect payment history, they left it. Then, I had a bad car accident, in which my insurance paid off my car as it was a total loss. I was always in touch with OneMain to make sure whatever balance was left, that I could work out payment arrangements. Mind you, I only owed $214, which I split into two payments. They agreed on this arrangement. Instead, they reported me again, to my credit bureaus as "late payment". I have finally paid them off and I will NEVER go back. Horrible customer service, they do not care about the customers.

Our 2nd mortgage company was bought out by OneMain and ever since has been a struggle paying it off. Finally got it paid off by new mortgage. OneMain on same day as payoff, put the loan in their COLLECTIONS department with requiring ME to write a DISPUTE letter!!! OneMain Financial should be renamed SNAFU Financial. It is SO SCREWED UP!

Said I was approved online with very good approval odds with Credit Karma. The day to call them I did and some guy took application from me who didn't have clue what he was doing. Very hard to understand him. Never returns call. Get voice mail when calling bank. Beware.

Used them for an auto title loan because I was in a pinch. I paid the high 22 percent interest rate payments for almost 2 years and refinanced through my local credit union to pay them off with a 9 percent interest rate. They received my check on the 14th (apparently) when I mailed it on the 8th and auto withdrew another $221 payment on the 15th. I contacted them about a refund and was told they have 15 days to refund and close my account. It is now 20 days and still have nothing. Do not deal with them. Their staff is trash and the company is even worse.

I got a loan from my local place in Toms River, NJ after a death in the family. Having recently retired my credit was stretched thin and I couldn't get the funds anywhere else. They offered me a significant amount but the amount I received has become almost 1/3 less than what I am paying! I believe it is around 30% interest, plus when you sign look closely. They add all these extra costs on for insurance and such and tell you it will be added with the finance charge, but you are also paying interest on it! I have about 375.00 payment monthly, statement shows 250 goes to interest, 125 goes to principal. Then I got papers in the mail for a lower interest, but they wanted it changed from a personal loan to a secured title loan!!! Watch those papers closely. Easy to slip an extra form in there!!!

I initially applied for the loan because I was quitting my job soon (put in my two weeks) and needed basically kind of a safety net while I was working on this other job but nothing was guaranteed and I explained this to the lady helping me, mind you I only requested 1500 and got approved for 7000 but I guess they said I got denied because I didn’t have a job. Like I’m dumb enough to apply for a loan with no employment. No I just wanted to use the money in case. I work at US bank making 65k+ and I drive a BMW. I’m not worried about not paying a loan back so that’s why I dissatisfied with this company because they could have called my job and verified. I still work their technically for the next couple weeks but because I said I’m putting in my two weeks they couldn’t approve it which is dumb but that’s what I get for going with a bank like this instead the one I worked for silly me.

I already had a loan outstanding secured by my truck. I borrowed the money originally to replace my air conditioner which was over 10 years old and could not be repaired and had to be replaced. A year and a half later I had to have a number of teeth extracted and an upper and lower partial and my portion of the cost was well over $1000.00. Kassie ** reviewed my payment history and was able to rewrite my loan to provide me with the extra funds to pay my portion of the cost. I own my own home which has a ground well that provides water to my home. I have a washer and dryer which I cannot use because of the high iron content. I needed a water filtration system. Again OneMain was able to help me finance my system allowing me to hook up the washer and dryer.

We've paid off many loans with Springleaf (and the former American General). OneMain is NOT the same. We had a current loan when the merge happened and I hate it. Our loan will probably be a decade getting paid off (started as a 4 year loan) every day past due date. They add approx $5 (+33% interest) a day, to the end of loan. When I questioned some things, lady got evasive, then defensive. AVOID ONEMAIN AT ALL COSTS. I have over 20 years of loans and payoffs with American General and Springleaf. This current loan will be YEARS unless we fall to a heap of money. DO NOT TRUST THIS COMPANY.

These people don't understand the concept of cease and desist. I repeated told them to stop calling my family member at work, whenever I was a day or two late and they decided to just do it from multiple phones. I gave them a check so they could just debit my account on the date I set, but they decided to take it out two to three days early and put my bank account into overdraft. Then they lied and said I never gave them a check in the first place. DO NOT take their offers, these people are ridiculous.

I have recently acquired my 3rd personal loan from OneMain Financial. I have used this company for about 4 years to assist when I needed a small personal loan for various reasons. Originally I went with OneMain (formerly Springleaf) due to my credit limitations with other lenders. Even after improving my credit scores, I continue to go back to OneMain. The staff is always very courteous, knowledgeable and efficient. They worked around my paydays to schedule auto-drafts for loan payments which is very beneficial to me personally. I have also used the OneMain Rewards site for financial advice, money savings tips and as an added bonus, I have used the rewards points earned to purchase gift cards throughout the year. This is a great company!

One Main has been so helpful. This is our second loan with them. They are so nice, and make the loan process easy and don't ask a ton of questions. Staff is amazing as well. I'd recommend them to anybody.

I have paid on my account in a timely manner. This month a double payment was taken out of my account without prior notification. I am in the process of refinancing my home, and will pay off loan at this time. This company by taking out a double payment, may have jeopardized my refi. Taking this to my attorney. I don't understand how or why a double payment was taken out, when last month's payment was made. Be careful when dealing with this company.

I received mail from OneMain Financial stating that I was "Guaranteed" a loan for X amount of money. Upon applying I was denied and told I could not receive any loan. I proceeded to ask what their definition of "Guaranteed" was and they were unable to answer my question with a straightforward answer.

I recently got a loan at OneMain Financial. The staff were very friendly and kind. I got the needed information to verify my income and was approved the same day. I like this branch. I would like for Chris and Renee to get those snacks back in the office. Sometimes that little extra touch for the customers, make the customer feel welcome and look forward to coming back again.

Do not do business with these people. They are real eager to give you a loan because they charge an exorbitant amount of interest and make lots of money on you. They really push all kinds of insurance on you right before you get ready to sign and the process is long and drawn out. The staff is rude and inconsiderate and God forbid you run late or have unforeseen circumstances, they will hound you to death with phone calls and emails and even call your personal contacts. Don't let them trick you into lending you more than you need because this is what they do, they are scam artists and they will drain you for every penny and they could care less about you, believe me. I know. Don't do it.

After a week of sending federal tax copies, then State, then more Federal Tax forms, I was told my application was sent to "underwriting". Two days later I was called back and offered a TITLE LOAN!?! Beware of this bait and switch loan shark operation.

Recently I was conditionally approved for a loan. I called 4 times to speak with a loan officer to get information and left my contact number each time. They have yet to call me back. I read the numerous reviews here and 90% are bad. From what I have read their terms and hidden fees are outrageous! Thank you Consumer Affairs before I made a costly mistake!!!

Multiple calls within 30 minutes when payments are scheduled. Multiple calls during the day beginning at 830 or 9 am and continuing at 740 pm. They can total up to 10 calls a day! It's like signing on to a loan shark!

I got a prescreened offer for $7,000.00 in the US mail from OneMain Financial. It was listed as an actual check to be deposited. When I called the location in Carpentersville they said yes I could actually deposit this "check" and my loan would begin!!! After it's deposited they do a security measures check and "call me" to verify I deposited this. They request a photo ID and ask if I am me! I asked how on earth it is legal to send $7,000.00 in the US mail when anyone can steal this and deposit it and steal my identity. Anyone make an ID saying they are me and speak the words they are me.

Auto loan that I received was terrible. I have been paying on this vehicle for three years and my principal balance is still about the same as when I got the car. Granted I did take a loan out a very small loan which caused the loan to refinance. But still it's like nothing was paid on the loan at all. And I never missed one payment. To me mathematically it don't make sense.

Very irate and disappointed in OneMain. They are a rip off. I've been paying on loan since 2007 for a small loan of 11,000.00. I have now paid over 20,000.00. When I tried to pay off loan recently they are still telling me I owe 3400.00. I ask them to lower this payment since I've been paying since 2007 and I would pay it off today. I was told there was nothing they could do in lower payment.