Best Company Guarantee OneMain Financial Logo

OneMain Financial

star star star star star_border
290 User Reviews

7.0

Overall Score

Get Quote
LAST UPDATED: May 9th, 2023

Formerly known as CitiFinancial, OneMain Financial has been offering financial solutions since 1912 and has over 1,500 local branches in 44 states. Springleaf Financial acquired OneMain Financial in 2015 and the combined companies are now known as OneMain Financial, which focuses on providing personal loan and auto loan solutions to consumers of all credit levels.

OneMain Financial offers personal loans from $1,500 to $20,000, with term lengths of 24, 36, 48, or 60 months available. Funds can be deposited an hour after loan closing using an eligible debit card. 

  • Loan amounts — $1,500–$20,000*
  • Term lengths — 24, 36, 48, or 60 months*
  • APR range — 18.00%–35.99%*
  • Minimum credit score — Undisclosed
  • Origination fee — $25–$400, or 1%–10%, depending on your state 

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 prequalified loan offers will not affect your credit score, but your credit score may be impacted if you apply for an offer.

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.

Want to read more OneMain Financial reviews like the one below? Click here to see what else consumers are saying about the loan provider. 

Review Icon

Customer Review: Eddie from Utah

"My experience with OneMain Financial was an extremely positive one. It helped clear up some financial messes, with a structured repayment plan. They were flexible and while they had rules to follow, they still treated you like a human being. They helped the one time and it made all the difference."

thumb_up

The Good

  • Wide Availability
  • Low Credit Borrowing Option
  • Same-Day Funds Using Your Debit Card
  • Fixed Rate and Monthly Payments
  • No Prepayment Fees
  • Minimum Loan Amount
  • Secured Loan Available
  • Loan Payment Options
  • OneMain Financial Mobile App
  • OneMain Financial Reviews

Wide Availability

OneMain Financial has over 1,500 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: 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.

Low Credit Borrowing Option

This consumer loan company is more geared towards borrowers with average or poor credit than excellent. Its personal loan rates are more similar to credit cards than personal loans that only want good credit borrowers. 

Borrowers with excellent credit will likely be better suited towards a loan elsewhere, as they will be able to get more competitive rates and loan terms based on their credit history. But, borrowers with less-than-perfect credit may be accepted for a loan with OneMain Financial if they are able to meet lending requirements and provide collateral.

Please note that acceptance is not guaranteed for everyone, and rates are generally higher on unsecured personal loans.

Same-Day Funds Using Your Debit Card

After discussing your particular case with a professional, qualified loan processor, funds can be dispersed by check, or deposited into your checking or savings account, as soon as one business day after approval using an eligible bank-issued debit card. 

OneMain Financial loan proceeds may also be dispersed by check or Automated Clearing House (ACH) deposit. Receipt and availability of loan proceeds vary based on the funding option selected. ACH funds are available approximately 1 to 2 business days after the loan approval. Potential borrowers may contact a OneMain Financial loan specialist for additional information about funding options.

Fixed Rate and Monthly Payments

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 non-sufficient funds (NSF) fees from your financial institution will still apply. 

No Prepayment Fees

Unlike some other personal loan lenders, OneMain Financial does not charge a prepayment fee if you choose to repay the loan earlier your loan term requires. This allows borrowers to save money in interest charges if they decide to do so. 

Minimum Loan Amount

OneMain Financial allows you to borrow as little as $1,500 in some states, which is relatively low for a personal loan lender; many other lenders have a minimum amount of $5,000. However, some states are subject to different minimum loan amounts with OneMain Financial:

  • Alabama — $2,100
  • California — $3,000
  • Georgia — $3,100 (unless you are a present customer)
  • Ohio — $2,000
  • Virginia — $2,600

It is important to note certain states are also subject to specific maximum loan amounts.

Secured Loan Available

Many personal loan lenders only offer unsecured loans. OneMain Financial, however, offers secured and unsecured loans. This means you have the option to provide collateral to help qualify for a loan or to simply receive a lower rate. 

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.

Loan Payment Options

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, or on the OneMain mobile app. Customers can also make a cash payments with the PayNearMe service at participating Family Dollar, CVS®, 7-Eleven, and Casey's General Store® locations.

OneMain Financial Mobile App

You can access your OneMain Financial account on the go with the OneMain Financial mobile app. The app can be used by current customers to view and manage their loans.

The app is available for both Android and iOS devices, but it doesn't offer the ability to submit new loan applications on either operating system.

OneMain Financial Reviews

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. 

Visit Site

thumb_down

The Bad

  • Limited Max Loan Amount
  • State Borrowing Limitations
  • Not Best for Debt Consolidation Loans

Limited Max Loan Amount

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. 

It is important to note that maximum unsecured Loan amounts vary state by state (see below). You can also contact your local branch for further information about maxiumum loan amounts:

  • Iowa — $8,500
  • Maine — $7,000
  • Mississippi — $7,500
  • North Carolina — $7,500
  • New York — $20,000
  • West Virginia — $14,000

However, 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. 

State Borrowing Limitations

OneMain Financial's loan products and services are not available in Alaska or Hawaii. 

Not Best for Debt Consolidation 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. The personal loan rate at OneMain ranges from 18.00 percent to 35.99 percent, including origination, which is significantly higher than you might see with other lenders. OneMain Financial's rate range is also similar to rates you would see with credit cards, indicating that the company might not be the best choice for debt consolidation because you may not actually get a lower interest rate.

gavel

The Bottom Line

OneMain Financial allows consumers to apply for a personal loan online, over the phone, or in person, making the process simple and convenient for many individuals. The company, which is a pioneer in the financial industry, can provide borrowers with funds as soon as the same day by depositing the funds into your bank account with an eligible bank-issued debit card. The lender does not charge prepayment fees, so you can pay off your OneMain Financial loan any time you'd like, even if it's well before the end of your loan term; this allows you to save money in interest charges.

With a high star rating from consumers, this OneMain Financial is known for its excellent customer service, simple application process, and quick dispersal of loan funds.

Read OneMain Financial reviews below to learn more about the personal loan provider and its customer satisfaction. 

OneMain Disclosures: 

*Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
Not all applicants will qualify for larger loan amounts or most favorable loan terms.  Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral).  Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance.  Maximum annual percentage rate (APR) is 35.99%, subject to state restrictions.  APRs are generally higher on loans not secured by a vehicle. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount.  Flat fee amounts vary by state, ranging from $25 to $400.  Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan.  OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z, such as college, university or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.  


Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600. 


Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

Was this content helpful?
thumb_up Yes thumb_down No

bestcompany guarantee

Best Company guarantees your satisfaction if you choose a company that has earned this distinction. If you're not satisfied after 30 days, simply let us know and we'll give you $200. Yes, it's really that simple.

Learn More
border_color Write a Review

User Reviews

Star Rating

4.0

star star star star star_border

290 Reviews

Review Breakdown

5 grade

61%

4 grade

15%

3 grade

4%

2 grade

2%

1 grade

18%

Sentiment Criteria

Value

star star star star_border star_border

Quality

star star star star_border star_border

Service

star star star star_half star_border

Trustworthiness

star star star star_border star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Review Source

star star star star star

MONSTER CANINE FLORIDA Saint Augustine, FL

Got my first car loan from them many years back - nothing but good things happened after that 👍👍 What I like most was the Rate they gave me for my first loan, it was not as bad as I expected - Thanks One Main

3 weeks ago Edited May 10, 2023

check_circle

Review Source

star star star star star

Stephanie Traverse Castlewood, VA

One Main Financial was great to work with because they had a local office and the staff helped me and filled out all the paperwork! Very easy process!

3 weeks ago

check_circle

Review Source

star star star star star_border

James Koller Reading, PA

Decent company, good rates and above average customer service. Never felt like I was "bothering" them when I called. Otherwise pretty standard and dependable name when it comes to loans.

1 month ago

check_circle

Review Source

star star star star star

Precious H. Red Oak, TX

I got a personal loan from this company a few years back when I needed money fast. It was quick and easy and the rates were fair considering my credit at the time. I paid off the loan within the terms. I am still on their mailing list today if I ever needed a loan in the future.

5 months ago

star star star star star

jeve Homestead, FL

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.

3 years ago

star star star star star

[email protected] Langhorne, PA

Our visit to One Main for a loan application was very pleasant. The process went rather quick, every detail was explained, the people there are very friendly and knowledgeable and understand your needs. Thorough process of explaining every detail and options. OK, I'm a big coffee drinker and the first thing I noticed was the free coffee machine and being waved a hello from a gentleman in the back. We have been doing business with One Main (bill consolidation) for a while now and find them to be highly competent, reliable, and fair. We highly recommend them as their staff is very knowledgeable and will go through your financial problems with understanding and willingness to help.

6 years ago

star star star star star

Scott Velasquez

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

6 years ago

star star star star star

[email protected] Bangor, ME

This company rocks! I went to them to get a small unsecured loan to help re-build my credit after 2 disastrous divorces. They not only gave me the loan but told me they could get me $3000 more than I needed. During the course of the loan period, I would get occasional letters stating that I was qualified for another loan at a higher cash amount. When the first loan was almost paid off, I found a fantastic deal on my first Harley. I went to the office and asked them for the amount needed, they told me they could get me much more and that they would pay off several credit card balances and I would still have the money for the motorcycle! These people rock!

6 years ago

star star star star star

Sherri Bernal Albuquerque, NM

I never would have imagined how easy, fast and friendly the staff were in getting us the funds we needed, we were in need of a debt consolidation loan, as our credit card usage was quite high due to my spouse having to make several trips from 4 hrs to get back surgeon for several procedures done before finally having to have back surgery. With gas, motel, food, etc it got very expensive. But, within an hour or so of getting the necessary paper work faxed to One Main Financial, we were approved. We called to set up the appt to sign the paperwork and receive our money was beyond expectation. I will definitely refer friends and family to One Main Financial, when they are in need of a loan. Great customer service.

6 years ago

star star star star star

Alisha Ardmore, AL

I use One Main in Athens. Alabama. They have helped me with two loans. I have found them very good to work with. I build a privacy fence and now I have a loan for help with a budgeting issue. I called and Linda listened to my needs and helped me find a solution to help me and budget friendly. I love the online bill pay and to look at my account. The flexibility and ability to borrow money on my own after a divorce has been made easier with One Main. Gives me a great opportunity for my credit strength and borrowing money without a cosigner. The only negative, the interest rate is a little higher .

6 years ago

star star star star star

Slee Statesville, NC

I never thought getting a personal loan could be so quick and easy! As long as you have your most recent paycheck stubs, ID and social security card, you're able to get a personal loan the same day! I spent only a total of maybe 30-45 minutes in One Main Financial and received a check right away and they were closing in less than an hour when I walked in! I thought I wouldn't be able to get the check/funds until a few business days passed! I was so impressed with their quick service. Not just that but the interest rate isn't bad when you think about how fast you were able to get the loan. This of course, probably varies with credit reports and scores. I would recommend One Main Financial to my family members and strangers looking for funds. As long as you make your payments on time, I'm pretty sure you'll have no issues. I'm definitely going to be a repeat customer if I ever have to borrower funds from a financial institution again. Way to quick and easy!

7 years ago

star star star star star

Pierre Martin Fairfield, ME

In life, there may come times when we can find ourselves constantly struggling to either get ahead, or just to keep up with our financial responsibilities. Taking on additional jobs is sometimes impossible, and reaching out to family members or friends, does not answer the issues we face. And as we all know....the longer you fend off bills and the bill collectors that can follow, the worse it all seems to get. Or it may be that you just want to consolidate all your bills, to simplify and lessen your monthly pay out. This is the situation that I was in. I was rebuilding my credit at the same time, and so my credit score was not the best. I thought it impossible that anyone would agree to approve me a $5,000 loan. I couldn't have been more wrong. I remember receiving an advertisement back some weeks before. I had not thrown it out, but kept it, while I worked up the courage to call and find out if they had the right person for this offer. Finally one friday after 3, when the week had taken it's toll, I decided to call and at least get some information. I was so happy that I made that call. Within maybe 10-15 minutes of simple conversation and the answering of a few questions, I was thrilled to hear the service representative tell me I was approved for more than I asked for. Many times when we seek a loan, we always undercut the true amount we need, in the hopes that the smaller amount will somehow get approved. With OneMain, not only did the smaller amount get approved, but the real amount I needed was covered. In conclusion, If I had one sentence to tell anyone in a financial strain what to do to get out of that predicament, I would say, Regardless of what your credit score is, call OneMain for they have answers and solutions to remedy your fear and your on hand finances.

7 years ago

check_circle

Review Source

star star star star star

Namela Corpus Christi, TX

Staff was courteous and professional. Office was clean and inviting. The whole process was fast and easy.

1 month ago

star star star star star

Kylee Carpenter Tooele, UT

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!!!

5 years ago

star star star star star

Diane Shane KS

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!!!!

6 years ago

star star star star star

Sheila Dunnagan White Bluff, TN

I have had nothing but excellent service from One Main Financial. I have had loans for Christmas, vacation, granddaughter' s wedding, to help daughter payoff an old car and get a new one. I keep going back to One Main because the 1st loan helped build my credit and I bought a house I thought I would never be able to get, as a single mother of 3. My credit has gone through the roof, thanks to One Main, and it's been very affordable, so I praise this company with bells and whistles and banners.

6 years ago

star star star star star

Ted Lindsey

Recently borrowed against our motor home for funds to use as a down payment for a mobile home. Applied online and was called the following day with info and later that day with approval. Very few documents needed and staff was extremely friendly and helpfull. This was our second time getting a loan with them and both times a good experience. No pre payment penalties so loan can be paid off sooner. Just a very good experience!

6 years ago

star star star star star

Susan Leigh Thaxton Los Angeles, CA

I called OneMain about a loan to consolidate my bills and was told I could come in the same day and sign the papers and pick up my check. While I was there, I decided I needed more than I had asked for and it was approved within minutes. The representative that helped me was professional, kind and easy to work with. She was very thorough and explained everything to me to my satisfaction. I borrowed, what I believe to be, a large sum and my monthly payments are manageable. I will definitely go back to OneMain in the future if I ever need another loan.

6 years ago

star star star star star

Debbie R. Strongsville, OH

My friend told me about this loan company, he said it was easy and he was able to get the amount he needed. So I called put my application over the phone by the end of the day i was approved and I had my check the very next day. I didnt have to use my car as collateral. I brang in all the information that they needed and thats it. Very Quick simple, payments i can afford, no penalty for paying off loan sooner. Great Place, Great People , Fast Service !!!!! I will return again,

6 years ago

star star star star star

Suzie Austin, TX

I found OneMain Financial to be a very easy, proficient process. The availability to fill the application out on line allows for flexibility needed. Within less than one hour after filling out the application, I was instructed to contact OneMain via phone as the customer representative had a few more questions to ask me and completed my application process. Then within an hour I was contacted and informed my loan was approved and to come into the office to fill out the paperwork. I went in after work and filled out the paperwork and left with my loan check.

6 years ago

star star star star star

FELIPE GARCIA El Centro, CA

HELLO ! My name is Felipe , Please excuse my writing. Never wrote a review before. Well to start with I would like tooTHANK those who helped me aquire the loan. The folks at ONEMAIN , were very PLEASANT, KNOWLEDGEABLE AN made me feel WELCOMED. They took the time to answer my questionsand explained everything , where , I was able to understand clearly. I WOULD RECOMMEND ONEMAIN TOO ANYONE. AGAIN , THANK YOU VERY MUCH.

6 years ago

star star star star star

Michael T Kacer Waymart, PA

When I Needed a loan they were there and talked with me about my needs and told me how they could best help me and they were really wonderful to work with ... they made it fast and easy there close to where I live and always available when I have needed help too. I would tell anyone that needs help to go to ONE MAIN First and talk with them .....

6 years ago

star star star star star

[email protected] Staffordsville, KY

The staff at OneMain Financial in Pikeville, Ky. were very informative. The receptionist who answered the phone was very polite and I did not have to wait to talk to my loan offier. The loan officer was very knowledgeable in the loan products. He fully explained the loan documents needed and explained my payments and other aspects of the loan very clearly. I really like the crew at OneMain Finanacial in Prestonsburg.

6 years ago

star star star star star

Harold K. Beemer El Paso, TX

One Main staff provide a comfortable and cheerful loan experience. Their expertise is evident in the entire process through application to check with total efficiency. The staff made me feel like family during the process. The family experience continues as they stay in touch by mail and Email for special offers even sending me birthday wishes. I highly recommend One Main as your next lending institution.

7 years ago

star star star star star

Angela Sistad

I am very satisfied with my loan through One Main Financial, this is my third loan with them. The employees are very friendly, efficient, and quick! I was able to consolidate my credit card debt to a lower monthly payment, and still have an end in site for paying the loan off! Plus, I can always pay more down to get it paid off sooner with just a simple phone call!

7 years ago

star star star star star_border

Noelani R.Y. Miram Mililani, HI

I recently applied and received a loan. I was told at the time that I was able to get an addition if needed. Since I didn't take the full amount at the time. I was told just call ANYTIME if you decide you need more. Well 2 weeks later I did just that. As I had encountered a vehicle maintenance emergency. I called and it took a few days for the assistant to get back to me to say I was approved and that I could go in to pick up the check. So I call 3 days later (because it was the weekend and they were closed, and my work schedule didn't sync with there office hours) and they tell me that One Main policy has changed and I was now NOT approved. Now after 2 weeks all of a sudden the policy has changed. If your associates are trained why would they not have known that the first time I came in, why would they announce call us ANYTIME if they knew that was not true. I am greatly appreciative for the approval of my existing loan. On the other hand definitely frustrated and upset. After being a long time customer and a recurring customer I felt a betrayed and lied to. Knowing that I was told one day that I was approved and then 3 days later I am not. Of course I am bound by contract obligations to fulfill my payments but am just so frustrated that I was relying on that to fix my transportation and mad appointment arrangements and now I am unable to because some kind of mistake on someone's part. All I got was oh sorry try again in a couple months. How does that solve my situation right now? Very frustrated and disappointed

7 years ago

star star star star star

G&SH Hickory, NC

Borrowing money should not be easy, it is a big deal but sometimes necessary because of past money mismanagement or unexpected emergencies. The result for us was a high rate car loan and credit card we had carried for several years. Then we went to visit with the great folks at One Main. Their expertise made it possible to pay off the high rate loans, bring down the payments and interest rate to something so much affordable. They will always be at the top of our list!.

7 years ago

star star star star star_border

Barry Pittsburgh, PA

I have to say my experience with OneMain obviously has been completely different than that of the other reviewers. But first, let me clarify that the interest rate is, indeed, high. However, I knew that upfront and based on my situation, it is what I expected. On the other hand, I have worked with this company for many years, before they were "OneMain." They have helped me through some very difficult situations over the years. I ruined my credit back in college, and OneMain was there for me when nobody else even would consider lending me money. Having the loan, keeping it in good standing, and having renewed my loan a couple times over the years actually has helped me rebuild my credit and raise my credit score. If you need to borrow more money, the original loan is paid off, which reflects positively on your credit report. Finally, and most surprising to me, are the claims of poor customer service. Again, things must be different in my home state and city, as I never have experienced anything but stellar customer service. I always have been treated with respect, the crew knows my name, the process always has been smooth and clearly explained and I never was asked for money up front. Again, the interest rate is high, but I still would recommend OneMain to family and friends (having given them the interest information up front.)

7 years ago

check_circle

Review Source

star star star star star

Nicky Martin Philadelphia, MS

This company had very decent rates and very flexible with payments as long as you contacted them in a timely manner to let them know of any issue. The customer service was always top tier, longer weekend hours would have been a great asset but with decent customer service you received from this company it couldn't get any better. I've recommended a family member an a couple of associates to this company. I would definitely go back to them for any loan needs.

9 months ago Edited January 4, 2023

check_circle

Review Source

star star star star star

Tara Gillispie Philadelphia, PA

OneMain Financial was very persistent with reaching out to me with their current offers. I’m very pleased with the loan I have and the rates that came with it.

5 months ago

star star star star star

Dianna Carter Bowling Green, IN

One Main Financials' customer service dept. and the sales dept. are customer friendly and ready to serve their customers to make your experience one that you will tell others about and refer friends and relatives if a loan is needed.

2 years ago

star star star star star

Eddie Rios Ogden, UT

My experience with OneMain Financial was an extremely positive one. It helped clear up some financial messes, with a structured repayment plan. They were flexible and while they had rules to follow, they still treated you like a human being. They helped the one time and it made all the difference.

3 years ago

star star star star star

Jess Patton

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!

6 years ago

star star star star star

David Prock Santa Clarita, CA

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

6 years ago

star star star star star

Karen Seibert-Combs

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.

6 years ago

star star star star star

Linda Rae Becker

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.

6 years ago

star star star star star

Carla Flowe

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.

6 years ago

star star star star star

Dewayne Motte Cullman, AL

I had the best experience with the staff at my branch. They really went above and beyond what they had to do. I really doubt that a bank would have tried as hard as they did to help with my loan and everything turned out great.

6 years ago

star star star star star

Kelly Cox Chesterton, IN

Wonderful, fast, and nonbias friendly customer service! The entire office was friendly and effecient I. Getting our loan work done. From the first time we talked to closing the loan and having cash in the bank was 24 hours! We felt like equals to even the branch manager! 10+

6 years ago

star star star star star

Kenneth Evans

Onemain financial has helped me in ways I didn't think possible at the time, they were there for me when I needed help, and worked with me to solve my problem I was having, thank you one main for your help and support when I needed it.

6 years ago

star star star star star

Nida G. Cline Sugar Grove, IL

The loan officer who served me was very courteous, gave me financial guidance, which was very helpful, and did his job quickly and efficiently. The entire staff, including the one at the front desk, were pleasant and considerate.

6 years ago

star star star star star

Frank Verni

The customer service was exceptional with knowledgeable staff. The service was prompt without unwarranted delays. It was my first experience with this company and was very satisfied with the experience. Highly recommend it.

6 years ago

star star star star star

Terra McLaughlin Baltimore, MD

One Main Financial was helpful to me at a time when I needed extra cash to pay off some bills. The loan gave me assurance that I could get ahead. The staff was courteous, professional and I would highly recommend them to family and friends.

6 years ago

star star star star star

Christina Monmouth Junction, NJ

I have been a one main customer for over a year now and each time I have visited the office the staff at the cape may court house office have been extremely fiendly very kind to my niece and were just an overal great people who work there

6 years ago

star star star star star

Lorraine Ingram Marianna, FL

OneMain Financial went above and beyond my expectations! I even qualified for a loan amount exceeding what I had originally requested. I recommend them for your loan needs. They were very information and helpful throughout my process.

6 years ago

star star star star star

Debby Willis Dunn, NC

OneMain Financial is a fantastic place to get a loan. Not only did I get a loan but it was for more than I was asking for. I will now use OneMain as my financial loan company from now on. I was able to pay off several of my bills and now my credit is improving. It is a great place to go for a loan.

6 years ago

star star star star star

Keith

One Main Financial has been very very helpful for me and a painting loans when I really needed help and nobody else would help also when I needed help with my repairs on cars or just to consolidate bills and they were willing to work with me I would have anyone to visit and try it out for their self

6 years ago

star star star star star

Andrea B. Norman, OK

This company has been very helpful in a time of need. They provided me with solid financial solution with the benefits of bettering my credit and monitoring of my credit score on a monthly basis included in the service. They are very friendly and professional and i recommend this company to anyone that may need a loan.

6 years ago

star star star star star

Margarita Ortiz Hollister, CA

Exceptional customer service. They explained everything to me and answered my questions about rebuilding my credit. They also said if I had any questions or concerns to come back in and they would help me. non stressful and put my needs first!

6 years ago

star star star star star

Kathy Wojtanik Olean, NY

I was greeted and the person told me there name, and how can we help you today? They never made me feel bad about having to borrow for so many bills.. they tried different ways to help get the loan. When I got it they explained everything , the interest charge, the due date, the life ins, etc

6 years ago

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

facebook Facebook twitter Twitter youtube YouTube instagram Instagram LinkedIn TikTok
Logo

© 2023 BestCompany.com LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information