Formerly known as CitiFinancial, OneMain Financial has been offering financial solutions since 1912 and has nearly 1,600 local branches in 44 states. Springleaf Financial acquired OneMain Financial in 2015 and the combined companies are now known as OneMain.
OneMain Financial offers personal loans from $1,500 - $20,000, with term lengths of 24, 36, 48, or 60 months available. Funds are available as early as the same day, if you apply by noon.
Potential borrowers can check to see if they are pre-qualified by filling out a quick form online. The form requires the basic information to do a soft credit check, including your name, monthly income, and the last four digits of your social security number. Checking for loan offers will not affect your credit score.
The lender's customer base is extremely satisfied with OneMain Financial's services and highlight quality customer service, attentive staff, and a simple loan application process.
Read OneMain Financial reviews below to see what else consumers are saying about the loan provider.
OneMain Financial has nearly 1,700 branches in 44 states, providing a large portion of the country with the opportunity to take advantage of its services.
Additionally, OneMain Financial offers three ways to apply for personal installment loans or auto loans: online, over the phone, or in person. It is one of only a few loan companies to offer three application options, as many newer providers only offer an online option. For those customers who like a personal touch, OneMain can provide it.
After discussing your particular case with a professional, qualified loan processor, you can receive your loan offer and money as soon as the same day — if you are approved by noon.
OneMain loan proceeds may be disbursed by check, Automated Clearing House (ACH) deposit, or a prepaid card. Receipt and availability of loan proceeds vary based on the funding option selected. Potential borrowers may contact a OneMain loan specialist for additional information about funding options and funds availability.
OneMain Financial loans have fixed rates and fixed payments, so you never have to worry about being bombarded with higher interest rates or increased monthly payments.
When you receive your official loan offer, it will stay the same for the length of the repayment term. This allows borrowers to plan ahead and be fully prepared for their personal loan payments. Please remember that if you don't make your monthly payment on-time or within your applicable grace period, late fees and NSF fees from your financial institution will still apply.
Unlike many other personal loan lenders, OneMain Financial does not charge a prepayment fee if you choose to repay the loan earlier than the due date requires. This allows borrowers to save a great deal of money in interest charges if they decide to do so.
Originally established in 1912 under the name Commercial Credit, OneMain Financial touts itself as a pioneer in the finance industry. Just four years after its founding, the company began offering installment loans for automobiles, which was an exciting new phenomenon at the time. Since 1944, the company has been operating a credit insurance unit known as OneMain Solutions. As such, the company is an experienced player in the financial services industry.
OneMain Financial allows you to borrow as little as $1,500, which is relatively low for a personal loan lender. Many financial institutions require minimum loan amounts closer to $5,000 or more. This is useful for borrowers who are looking to take out smaller personal loans.
Many personal loan lenders only offer unsecured loans. OneMain Financial, however, offers secured and unsecured loans. This means you have the option to offer up collateral to help qualify for a loan or simply to receive a lower annual percentage rate (APR).
Offering secured and unsecured personal loans helps this lender cater to a larger number of borrowers and gives them more loan options to work with. This is also useful for borrowers who have a less-than-excellent credit score, don't have enough credit history on their credit report, or have a higher debt-to-income ratio. A secured loan gives lenders the guarantee they need to ensure the borrower is a reliable customer.
Many personal loan companies have set monthly payment options. With a OneMain loan, you can make loan payments by automatic checking account withdrawal, debit card, check, money order, and more. Options vary, depending on whether you make a payment online, over the phone, in the mail, on the OneMain mobile app. Customers can also make a one-time payment with the PayNearMe service at Family Dollar, CVS, 7-Eleven, and Casey's General Store locations.
With hundreds of reviews, OneMain Financial has a high star-rating from consumers, demonstrating a satisfied customer base. Positive reviews note excellent customer service, a simple loan application process, and quick payment. If you want to learn more about the customer experience with this lender, browse OneMain Financial reviews below.
OneMain Financial personal loan options max out at $20,000 for personal loans, which is relatively low compared to maximum loan amounts offered by other online lenders in the industry. (However, borrowers do have the option to take out $30,000 with OneMain if the loan is for a car.)
On the other hand, OneMain Financial also has a lower minimum loan amount than most lenders, which creates more opportunity for borrowers who are looking for smaller personal loans.
OneMain Financial is not available in every state. Unfortunately, if you are outside of the company's service area, you will be unable to use OneMain Financial as your lender.
What's your credit score?
This consumer loan company is more geared towards borrowers with poor credit than excellent. This is clear by the fact that a minimum credit requirement is not provided, its personal loan APRs are more similar to credit cards than personal loans that only want good credit borrowers.
While borrowers with excellent credit will likely be better suited towards a loan elsewhere, borrowers with less-than-perfect credit, and possibly even bad credit, may be accepted for a loan with OneMain, if they are able to meet lending requirements and use a vehicle as collateral. Acceptance is not guaranteed for everyone. Larger loan amounts require a lean on a vehicle ten years old or less, that meats value requirements. APRs are higher on unsecured personal loans.
OneMain's loan service isn't for everybody. One example of this is people looking to manage credit card debt with a personal consolidation loan.
When people consolidate debt, it is usually for credit cards with high interest rates. To save money, you need to have a debt consolidation loan with a lower annual percentage than you have on your credit cards. Otherwise, there is no point. The personal loan rate at OneMain starts in the teens and goes up to 35.99%. This APR includes origination.
This means that OneMain Financial interest rates are more similar to credit card rates than what many people think of as personal loan rates.
In the United States, loans over 35.99% cannot be advertised as personal loans. So, unless you are looking to consolidate a payday loan or similar debt, OneMain may not be the best option.
Well here I am reading some of these comments and I am a bit flabbergasted. I am rebuilding my credit with which I am very careful and received an offer from OneMain Financial. I started the application several times but never finished it off because I read where it was stated there would be a hard credit inquiry. Finally I decided to just go ahead, see where this goes. I submitted my application and within seconds received a phone call from the local office here in Cutler Bay. I was informed of the amount I would receive and whether I could come in that day for an appointment. I was requested several documents to submit in advance which I did. I received another phone call prior my appointment and was informed my amount had increased. My car which I owed less than $2,000 would be paid off by OneMain and used as collateral. Ok no problem here. I went to my appointment and was well received by a very lovely office and employees. The individual with whom I had the appointment gestured to me and informed that she would be with me shortly. Lovely environment; lovely office personnel. I was then called in and from then, the process took me less than half an hour. Items were discussed page by page. I left with a check in hand. All in all I am very, very pleased with the services of OneMain Financial. The individual who assisted me from start to finish LAKIRA A. A lovely young lady. I see nothing hidden. All I see is a contract which was signed.A signed contract, four corners. My process from start to finish at the office took less than 1/2 an hour. I will recommend OneMain. I am pleased with their service.
Hard hit on my credit for nothing. Said they offer secured and unsecured loans. Would only offer a secured loan for 9,000 with a co-applicant, even though I only asked for 3,000. I guess I should be grateful I dodged that bullet.
This company is completely useless if you are trying to consolidate your credit cards. The value of your assets is what determines how much they'll give you. So for example, if you owe 20,000 on multiple credit cards, and you want to put all your debt into one, you are out of luck unless you have assets worth that much. Even if you are a on time payer. The secure loan that appears after you submit the application isn't what they'll actually give you. They have you run a hard credit check, and then they tell you they can't help you. This defeats the purpose of credit card consolidation. I wouldn't recommend this company to anyone looking to improve your credit score or consolidate your credit cards. This post is written literally minutes after I went through this process. I would give them a zero if I could.
If I could give them a 0 I would! Not even worth a 1 star honestly!!! I would never recommend this company to friend or family or anyone ever!!! I constantly get crap in the mail and it is annoying!!! I finally gave in and went through credit karma and did “Get Approved” they then send a checklist of things they need to go further, I sent everything on the list. They call the next day asking you to call back. So I call back! The customer Service is awful, they don’t know who is doing what and are very disorganized ... they ask you more questions in which “YOU HAD JUST SENT THEM ALLLLL OF THE INFORMATION” just to call to repeat it all ... seriously DELETE ALL MY INFO FROM YOUR DATABASE I DON’T WANNA HEAR FROM YOU EVER AGAIN!!!! What annoyed me is the agent asked about my car mileage and I tell him and he is asking am I sure “GEE DO YOU WANT ME TO SEND A PICTURE” I mean these people are clueless and lack customer service I will make sure no one will ever have to call this company ever!!! Rude, Ignorant and Clueless!!!
You people are a disgrace to society. You say you're there to help people and if somebody wants a loan for $6,500 and you're giving collateral of over $15,000 but yet still need a co-signer are there something wrong with this picture
I needed a loan to pay off a bill for 6500 it took me four years to pay it off. everybody pays interest the principal never goes down neither down the balance. I had to cash our my 401K loan to pay this off Stay away from this loan company. Borrow from friends or family. This is deep hole of debt you will never get out of. Please from my experience stay away from this company. Customer service is horrible
Horrible customer service, paid loan off year early. Now I need another loan and they say No, why because I have student loans ( all in good standing) their regulations are horrible. Prob best thing I didn’t get involved with them. My bank loaned me the money I need and at half the interest rate
I received an offer in the mail from One Main to apply for a loan. So I applied online and was told I was approved for $6900! Really, this seems to be the ruse they use to get butts into the local store. The home office calls and the guy on the phone says to hold while he contacts the local office. I wait for about 3 minutes and he comes back and says no one at the business is answering the phone. It is 3:30 in the afternoon and they can't even pick up a phone. He says he will make an appointment for the next day and he does. NO one from the local office ever calls to confirm the appointment or tell me what to bring. The guy on the phone told me to upload my drivers license, my bank statement and a voided check to their website to save time the next day. So I did. The next day I arrive at the local office on time but can't get in because the door is locked. I nearly leave but I hear a buzz and see you have to be buzzed in to open the door. I go in and NO ONE gets up to greet me or even say hello. I have to yell across the office who I am and I have an appointment. This is news to them. They tell me they need my drivers license, my bank statement and a voided check! I uploaded them the day before but they don't have them! What a waste of my time. Then they tell me they need a copy of my homeowners policy, my car insurance policy, my property tax and my credit card statements!!! NO ONE had bothered to call and tell me that before I drove 15 miles to get there. I was about to leave and they said I could get $12000! Wow! However, the girl waiting on me just had to go lunch right then and I would have to come back at 3 pm. I went home and go all the paperwork done and was ready to return when I called to tell them I was going to be a few minutes late and the girl tells me to wait. I am put on hold for five minutes and then she tells me the max I can get in loans is $5000 but I have to have a lien put on my car title! So they are a glorified title pawn company! I threw all my paper in the trash and told them I didn't need the loan. AVOID!
Extreme fees, no regard for customers, only out to squeeze every dime out of people they can.
I will NEVER get another loan for this company again. They are con artist. I requested my payoff amount for my $4000 loan. After paying $160 a month for 2 years my payoff amount is still $3000. Cool I don’t have any problems I’m preparing to pay it off in 2 weeks. I get a call from a customer care associate telling me that she hates to see me leave and asking me the reasons why I am paying my loan off early. I tell her the interest rate is too high and I’m basically paying double back on loans so I just want to get it off my back. She tells me I can lower my interest rate on my current loan since I’ve been a valued customer and all I have to do is authorize them to pull my credit report. I ask if that is a hard pull and she says yes and I tell her no thanks because I don’t need any more hard pulls on my credit right now. My score has been growing and I’m also preparing to try to get a mortgage in the next few months. She doubles back and says are you sure you don’t want a lower interest rate i think it’s worth it. After talking she pursued me and I authorize it and give her my updated financial information. She then tells me my local branch will give me the details of my new interest rate. When my local branch calls me they tell me that I was approved for an extra $7000 and ask why it is that I need more money. I was flabbergasted????!? I tell her that I made it clear from the start that I never wanted more money and I only authorized the hard pull because I was told I could get a lower interest. Her and her manager tell me that it’s not possible but since I’ve already done the hard pull “I might as well accept the money and it’ll be at the same 35% interest”. I immediately filed a complaint and called back customer care and I was then told a manager would be calling me back shortly. After 10 hours pasted I called back was told by another associate that the same manager will be reviewing the conversation and will call me back before the end of the business day. I call back at 9:50 pm 10 minutes before they close and demanded to speak with the manager. Manager Travis H finally came to the phone and apologized and promised me he would call me back by the next business day and insured me I would not have to call back and took down my contact information personally. It’s now been 4 days and still not one call, but yet I’ve received several offers via mail and email over the last couple days. I’ve now sent a message through the company website and still nothing. I don’t appreciate them playing with my credit and these tricks they play to try to get you to take out another loan and I am disgusted with the professionalism of this company. I wish I could give 0 stars I will never recommend this company and look forward to never dealing with them again. Completely unprofessional and will tell you anything they want rather it’s true or not.
I was contacted by some one claiming to be a loan officer for one main financial on 6/27/2019 they verified some of my on line personal loan application and said that i was approved a loan up to 10k he then transfered me to the accounting department which verified my app again and said that i was approved for the 10k loan but that i would have to purchase ppi insurance thru AIG insurance group for the 10k loan 36 mo payment 317.00 9% apr would cost me $250.00 for the policy once the policy was paid for by me one main financial would do a bank to bank wire transfer to my checking acc because all of the approval were done a loan id # was created first payment due 30 days from loan origin date thru auto bill pay from my checking acc, so i ask one mains accounting dept to email me the loan docs for my review over the week end. They emailed me a gutted out vague set of loan docs no interest rate and some clause that loan disbursement included a fee for paying any other loan that i might have ever had with them. I emailed back requesting better loan docs that included 9% apr and the clause be removed because i had never had a loan with them before. No response email from accounting. So i researched AIG ppi insurance and it made very good sense to purchase the policy. I also researched one main financial requirements and rules, policy's and reviews which prompted me to start a list of questions for the acc dept on Monday, top questions; one main does not loan personal loans below 16% interest apr one main does not loan above 8k in the state that i live in. One main does not require customers to pay any money in advance. So Monday 7/1/19 comes first problem i had a hard time getting one main acc dept on the phone, in louisville ky but finally got thru to my designated acc on the phone first question why they didn't answer my email ? Answer was all the my questions would be answered in the hard copy's mailed to me? Next statement from me; i had researched the ppi insurance and i liked the idea that if i lost my job or was hurt that it would make my payments temporarily, and wanted the contact information for AIG so that i could buy the policy; response from acc, i could not buy the policy on my own that i had to buy it thru one main financial only. My response ; i wanted to buy and pay for the policy on my own . Acc response, i could not do that it was against the company's policy. My response, i had researched one main financial policy and had other questions, the allowable loan amount in my state was 8k to that acc. Answered that only applied to one mains loan facility's within the state. My next question one main policy on the lowest apr on loans was 16% .acc answer that did not apply to online loans. Acc. Request that i buy the ppi insurance so that the loan could be wire transfered and the cost of the insurance would be refunded to me with the loan amount. My question, how do i pay for the ppi policy? Acc. Answer go to the store and you will be able to purchase a AIG loadable money card only put the one time insurance cost of $250.00 on the card if the store did not offer AIG loadable cards i was to call back and acc. Would direct me what to do. So i went to the store that acc specified . There was no AIG cards so i called acc. back they informed me to buy a specific loadable money card to put the premium amount on, so i did acc. Asked for me to read the card number to them . I did, acc. Put me on hold while they were contacting AIG acc. Came back on the line and said the insurance premium was paid and accepted. That i was being transfered to the money transfer dept. So that everything could be verified and the loan would be wire transfered . Person came on the line verified the loan, the insurance my acc. number routing number the amount of the loan plus the refunded insurance premium my mailing address my ss # told me to stay on hold while the money was being being direct deposited ? Not wire transfered?? Person came back on the line and informed me that there was a problem! The money would not be deposited until i sent them $1,500.00 in prepaid money cards. And then threatened me that if i did not send this money that i would be put on a BLACK LENDING LIST! to this i have to say to one main financial. You need to look in to the scam artists that are scamming hard working people that are trying to secure a legit loan from a legit lender!!
Do not borrow from this horrible company! I probably have paid off this loan three times with the rate they charge! I’m 66 years old and have begged them to lower the rate so I could get this paid before I die! No luck! Horrible, greedy, don’t deal with them!
They are the biggest rip off company always charging for every thing we have had a loan with them for 14 years an has not went down !!! The payment goes to them. For finance charges an interest none of it goes toward principle. I wouldn't recommend them to my worst enemy!!!!
I have a loan with OneMain Financial. The rate is good, it was easy to set up and I can monitor it and pay it back easily online. It has bee n the perfect fit for me.
ONE MAIN FINANCIAL, HAMPTON, VIRGINIA CUNNINGHAM DR. BRANCH: LENDING DONE BY AN EVIL MONEY-GRUBBING, SALARY-PAID COMPANY MANAGER!! WHEN THE 2 COMPANIES COMBINED, THEY REFUSED FOR MORE THAN 3 YEARS TO COMBINE MY 2 ACCOUNTS TO ONE, THE LESSER ONE BEING $1300.00 BALANCE. THE LARGER ONE $7,000.00. THE INTEREST CHARGE AND PAYMENTS WILL WIPE YOU OUT! THEY ARE ENTIRELY SELF-SERVING AND GREEDY! THE REALITY IS THEY ARE THE EXACT OPPOSITE OF WHAT THEY ADVERTISED. I THANK THE CREATOR WHEN I FINALLY PAY THEM OFF. I REGRET DARKENING THEIR DOORWAY TO THIS DAY.
This bank lied they added extra stuff to my loan without my permission and I only owed 6,000 for my car and got into an accident car was totaled, insurance was giving me 8,700 and this bank wants to keep everything I can’t even buy another car I’m gonna report them
OneMain Financial, gave me the funds that I needed when I needed them and they were very quick in having it available. Easy to manage my account and great customer service.
I have a few loans with this company. I like that they give us updates and reminders via email or paper. They even approved me with less then perfect credit, which was great. I would recommend them.
Good company to do business with. Excellent customer service. To be used wisely.
I had to keep sending them different documents for work and personal information. I was told I was approved for the loan and made plans accordingly. About 5 days later I still had not got any money deposited into my account as promised. When I called to find out why they told me I wasn't approved. When asked they said I was approved but during verification I wasn't approved. So I was approved but wasn't approved. Then was told a letter would be mailed out between 30-40 days. This loan was to help my family move and we had accepted new jobs in the new town and quit our old ones based off being told we were approved.
I have had a couple of loans through OneMain Financial and they have a great website, easy process and good reminders to help you pay things off quicker.
ive been a month ahead so i did't pay November pay December day early 340.00 payment only 290.00 the issue i have is the only 3.15 went to the principal the 50 over should have went to principal just remember easy approval years of regrets
I wanted to refinance my car. We went through the process and come to find out I had stuff on my credit that was not mine so I couldn’t refinance. The person I talked to was very kind and explained everything in detail so I would know how to take care of the bad credit that was not mine. She told me once I get it off to call her and she will get it taken care of. Very amazing!!!
The biggest rip off ever. I wasted 3 years trying to pay this loan off. I would not recommend this loan to anyone, even if it is a do or die situation.
Ive received a loan, refinanced it, never missed nor been late for a payment, now that i applied for another loan all of a sudden the policy has changed. I consider myself a great customer and credit score has risen although i was told i had to have titles in order to receive another loan, once this one is paid, they will never get my business again.
Lot's of hidden fees, which are not verbally explained. I had a secured loan using my auto title. The first 'extra fee' was for $500.00 to add to the loan of $1,200.00. Now three years later, I have paid off my loan but have yet to receive the paperwork for the 'Release of Lein'. I feel very anxious about this situation and hope that this company is not crooked. I shouldn't have to go to court to get my property back. The website is very sketchy as well. My last statement offered the same lack of info as the website. No mention of my last payment being tbe 'payoff'. One good thing about this company is that they have 'hardship' program for struggling customers that temporarily can't make their payments. I was on this program for 6 weeks. That may be why I am not receiving my payoff paperwork. If that is the case then why have I not been informed????
This company will harass you non-stop if you're even 3 days past the "due date" (You have 10 day Grace period to make your payment!! Managers will be very rude and non-sympatheic to anything you're dealing with and will demand a payment regardless of your situation. They will call you more than once in one day! All day long! Very unprofessional and unfriendly company all around!
applied for loan thru credit carma.was sent an email that i was approved either 4000.00 with secured car or 1500.00 unsecured.when i called local branch in greenbrook nj to follow up,branch manager ida says all of sudden i'm not approved.when i ask why not because i have email stating i was approved,she comes up with some whacked out story.will never do business with this place EVER!!!!!!
These people are loan sharks! They will give you money at crazy interest rates and very high payments. Do NOT go here unless you are being threatened with your life!
Faste,friendly, understanding staff went out of their way to help me out and made sure that all my concerns,needs,and questions were addressed.
The process was very easy, the loan specialist tried very hard to help me get as much as possible. And we really appreciate her for that.
The Minot North Dakota branch has top notch employees. They made us feel comfortable and we would definitely do business with them in the future.
Glad I found One Main. Awesome Staff, friendly, knowledgeable, Excellent Customer Service and a willingness to serve their customers with a smile
When I had a medical emergency and could not work I got a loan from them, using my old car as collateral.. it was fast and easy, no hassle.. and in two days it was deposited in my account. I have auto payments pulled from my account twice a month, on the days I chose, and I never have to think about it.. it was perfect, and easy! And a life saver!
This company is better than a pay day loan and can also help your credit score. The options are great and the customer service has always been excellent.
Glad that OneMain was able to help me, the staff was great and the loan was done in a fast manner so I could take care of the needs I had. I suggest anyone needing a small loan to get over a rough spot give One Main a call.
OneMain financial is a great company the personal are professional, helpful and go out of their way to help you and get you the best product they have to fit your needs. They make feel that you are important to them. The make the application process easy and anxiety free. The
Have been doing business since they were American General. Never been disappointed.
One Main is easy to work with and very professional. Their staff members are friendly and knowledgeable. They tell you what kind of loan terms they can offer you and give you time to decide if it works for you. They don't hassle you with calls.
One Main was an awesome surprise! We wanted to consolidate some of our bills but we already had a bank loan and needed a larger loan than companies supply here. We thought! Then we received an add in the mail from One Main Financial and talked about it....and then called!!! Best decision we made! Got financed for more than we thought PLUS it's convenient pay just auto drafted out of our checking account!! Paid off accounts & had some extra to put into savings!!! A win win situation!!!!
OneMain Financial services gave me respect and fantastic customer service. Explained everything to my husband and I so that we understood everything and felt great about our decision. Worked Quickly at giving us a response.
OneMain helped me so much. I needed a loan, was approved the same day, and went to meet with the rep the same day. They were fast, precise, friendly, and they did not make me feel rushed. I would recommend them to everyone, even my worst enemy.
Very please great customer service very please with loan process
Yes, they gave me my loan but One Main is a lot more than that. They treat you like you are family, never judge you and are always pleasant and eager to help with anything. Love those ladies in the Palatka Branch.
Overall this company was very good to me and very helpful at my time of need. My husband had 4 back operations and is out of work, so the extra money really helped us.
Have to say One main has been there for me for almost 7 years and has been out standing and understanding with helping me fight threw my cancer never ask for forgiveness until now cause I was out of work for 2 years and still made my monthly payment on time until these last few months were I fell behind and one main picked me back up to help me and my family. Just wish there was just a little more to get me establish again and promise to fulfil my obligation to one main.. A substantial loan will help me payoff everything and be less stress due to had having cancer which I lost 2 years of battling and praying that a decent loan will get me back on top.. 7 year loan I made on time payments just need another loan that can secure my debt and be happy that a few thousand will help me get my life and my family's life back on track. But I'm grateful for the help that was provided .. I no with a 5000 dollar loan will help almost bring tears to my eyes cause I been working for my company 16 years. Just these few months with being out of work set me back if not my loans would have been paid off. I just need the support and trust that I know I can payback any loan that would be given to me I proved it with my car loan 72 months and coming down to just 6 months my cancer has set me back but in fighting hard every day to prove I'm worthy of a respected loan form one main if there can help me out would be Great with the holidays approaching I nice loan to set me free and pay you guys faithful just need a chance to prove my worth and will not let you down. Thank you OneMain and Tara and the rest of the Staff that is Great !!!! Just one chance to prove my worth . Z
If you are trying to buy a car more than 10 years old, this is your place.
We had a quick and painless experience, and were able to get the help we needed without a lot of hoops, Just professional service
Every time that we have worked with One Main we have been extremely impressed. They have been so incredibly helpful. We appreciate the opportunity
Very professional courteous and honest definitely we will return for business