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OneMain Financial

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256 User Reviews

6.1

Overall Score

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Fred Lufkin, TX

One Main has helped me several times with unexpected expenses and also to consolidate bills and cut interest to be paid out. They were courteous and friendly each time and remembered who I was when i walked in even if I had not been in the office for several months. I would definitely recommend family or friends to go see them.

5 years ago

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Tina Mathewson Dallas, TX

With my credit, I did not qualify for a loan with my Credit Union. I was so thankful that OneMain gave me a loan and I did not have to go to a cash store. I could not believe how quick and easy it was. I recently refinanced my automobile through OneMain and I could not be happier. I have referred my friends to OneMain!

5 years ago

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Patsy Paxson

I was very pleased with the service i received. They were able to loan me more than i requested and helped my family go to Arkansas when health issues were involved with family members thank you One Main Financial so much for your help

5 years ago

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Joyce H. Tacoma, WA

One Main Financial has always been there for us. We have taken out several loans with them and have had no problems. At one time we had a financial issue and they recommended Consumer Credit Counseling which we did and have been thankful ever since. They have always shown respect to John and I for several years.

5 years ago

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rik and sue Werkman East Schodack, NY

Our credit scores have improved over the last 2 years,but one main helped when they were not too great with out scores- we have proven to be excellent in repaying our loans with one main - We understand the interest is high but the loans can always be paid off sooner without penalty and the loan process is without hassles and smooth..

5 years ago

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Melissa Overland Park, KS

I applied for the loan on-line and was immediately approved. The branch called me and we worked on finalizing the loan amount, monthly payment and length of loan. I left with my check that night. The customer service I received was excellent and I would highly recommend them to anyone.

5 years ago

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Nancy Columbus, OH

My husband and I have conducted business with One Main before and have always been satisfied. The loan officer was very helpful, answered all our questions and even helped us with an item not related to the loan. We certainly will use One Main in the future if necessary.

5 years ago

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Diane P. Walden GA

I thank GOD for the OneMain Financial loan because it was a big help with me paying off credit cards, paying medical bills, having repairs done to my conversion van that GOD and HIS SON JESUS Blessed me and my family with to transport my son who have special needs with and purchase items for the home.

5 years ago

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TIM HAMILTON Mansfield, OH

my first loan was easy. made payments on time. went to reborrow and they wanted my title to my auto as collateral. sort of crazy since i was a long time customer and never missed a payment.

6 months ago

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Charles Herrington Saraland, AL

In the past I have used this company. My goal at first was to improve my credit score. This company did not report to your credit score. I got a personal loan for repairs on a boat motor. I received many mailers from this company. With that said I feel they will always be there if I need to borrow money.

1 year ago

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Milton Henderson

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.

4 years ago

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raymond weber

I was please with one main , I treated good excellent service and wasn't long there . thank you for everything I really like talking to the service I got thanks you for the loan

4 years ago

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Larry D Cruz Colorado Springs, CO

WHEN I CONTACTED ONE MAIN TO SECURE A LOAN EVERYONE WAS VERY HELPFUL AND ATTENTIVE. I HAVE NEVER ATTAINED A LOAN ONLINE BEFORE. BECAUSE OF THIS EXPERIENCE I WILL ABSOLUTELY DO BUSINESS WITH ONE MAIN AGAIN.

4 years ago

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dianne mcdowell Citra, FL

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.

4 years ago

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David Lynchburg, VA

Onemain is a great place to help with loans to get what you need and in a timely manner, I've had two loans with onemain and both experiences went well and I received the loan before I left the office.

5 years ago

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Jim Swansea, SC

My loan was a success, Precious was great to work with and made it as smooth as possible. I would recommend Precious and OneMain to anyone needing a loan of any kind. Thanks again, Jim

5 years ago

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M.L. Howard Indianapolis, IN

My experience was excellent and the Republican was very knowledgeable, polite and most helpful to inform me what information I needed to assist me in my loan application process.

5 years ago

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Rod M. Nitro, WV

I found them online by searching to help improve my credit score, after being turned down from various places. One Main took a chance and I am grateful. Was not hard to get I would recommend them to anyone that wants to help improve their score too. Thank you Tammy in the Huntington WV office you are GREAT!

5 years ago

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kimberly Houston, TX

Obtaining and receiving the loan was quick and easy, however trying to get all documents to them if you don't personally have them in hand was crazy. They say you may email them which is what i was going to do, but call first to make sure the manager is in office because apparently not all loan associates have access to the internet and email, therefore i had to make 3 separate trips, but overall experience was good

5 years ago

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Kim Coats Greenville, MS

This is a great company.. they gave me a chance to rebuild my credit when no else would.. I love the people in the office in Greenville Mississippi.. just a great overall experience Kim Coats

5 years ago

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Regina AL

I got my money the day that I went in to the store to apply. Everything was fast and easy, and my payments are reasonable. I love that I can pay off early with no disadvantages!

5 years ago

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iva Jo Awerman Crestview, FL

The customer service at the One Main financial in Crestview was great. The two girls that work in the office there are very friendly and helpful. They made the experience of getting the loan unstressful and smooth.

5 years ago

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Gina Hershey Baltimore, MD

I have used OneMain 3 times. Each time, your staff has been very professional and knowledgeable. I felt as though you had my best interests at heart. If I am in need of another loan, I will use OneMain.

5 years ago

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Sally Vandengoorbergh Marysville, OH

One Main personnel have always provided me with exceptional customer service. The personnel explain in great detail my options and offer suggestions to enable me to meet my financial needs.

5 years ago

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sheri spivock Lilburn, GA

I was able to get a loan very easy. Representative very nice. My dog was very sick and I was able to save her life with this loan. I am grateful they assisted. I would recommend using to anyone.

5 years ago

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John Ben Bancroft Calera, AL

My loan with CitiFinancial was secured by a vehicle. Subsequently, OneMain purchased CitiFinancial. The loan was satisfied over a year ago in 2014. I have not received my automobile title back. I received a letter dated April of 2016 from OneMain that the loan was paid and the collateral could be released, but it did not reference the VIN so it cannot be used as lien release letter. I called the provided phone number and asked that title be returned to me or to the appropriate state authorities...the OneMain agent asked for the last six digits of my SSN. I refused to give her the last six digits, but told her the last four digits, my name and my OneMain account account number should be sufficient for identification purposes. she insisted that I had to give her the last six of my SSN. I refused and told her I would review State Law to determine what is required. she said "do what you need to do, John" and she hung up. So, I'm doing what I have to do and will be obtaining the name of their agent for service of process.

5 years ago

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Mary D Box Elder, MT

One Main helped me consolidate so I am making one payment for several bills. Within a year I was able to move into a new loan with less interest. My credit score keeps getting better and better.

5 years ago

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Irene Ennis Waynesville, NC

I have done business with ONEMAIN for many years and they are the most easy to deal with and the most friendly financial people I have ever dealt with. I would recommend them to all my friend and family.

5 years ago

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Troy FL

Barb came thru for me once again and did a fantastic job helping me get approved and going to bat for me based on my past history and payment history within this system.. She is a great customer advocate and helped me when i needed it most and was VERY timely.

5 years ago

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christina johns Owenton, KY

OMF has always been helpful ,.their costumer service is great, the people I speak with are respectful and helpful. I would refer them to my family and friends. Christina Johns

5 years ago

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Greg Hernandez TX

Over all the staff was exceptionally very polite and friendly and made sure that your personal information was always safe by thier own resposibility of our interview for a loan.

5 years ago

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Michelle Villa Ridge, MO

Good place for a loan if you have bad credit. They will try their hardest to get the money you need. My only complaint was it took all day long I got there at 11am and wasn't finished until 6pm and had to drive back home 3 times because they need proof of certain things that she didn't say I would need over the phone.

5 years ago

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Gabriel Belin Grand Rapids, MI

Tonya at the Wayne Michigan office was very helpful each time of my requests very understanding company who takes time to and give you the extra step in what it takes to get your loan approved

5 years ago

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Anthony Easley Mobile, AL

Employee Kelly H. is EXCELLENT at her job!!! Very Professional n Helpful!

3 months ago

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Matt New Port Richey, FL

This company is breaking all kinds of laws. They intentionally hold your payments or payoff without posting in order to charge more interest and fees. Completely unethical and illegal practice. Stay away from these scammers

5 months ago

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Unsatisfied Customer Miami, FL

This is undoubtingly the worst company that I have on my credit usage out of 11 other creditors. I have perfect payment history with all my creditors and also with One main Financial, up until the pandemic. I originated this account in October and I have not been late or missed any payment until April 2020 (COVID Pandemic). Prior to my miss payment I have spent several hours communicating with Onemain financial, informing them of my lost of employment and options that they may offer that can help keep my account current. I did manage to make arrangements(with ease) with my other creditors to have my payments deferred during the pandemic but not Onemain Financial. Not only did they refused to follow precedent like other financial institutions on showing empathy during the pandemic but instead reported me for one missed payment to all the credit bureaus. Their despicable pseudo attempt extend of relief during a pandemic is deplorable. Dispite communicating with this company at least 4 times a week, due to the fact of harassing calls everyday and most days twice a day to no avail is extremely redundant. After learning the requirements to apply for a modification, I must relinquish my bank statement( private, invasive personal information) in which I did, the modification was approved and again the payment would be more than half of its original payment. One day later to my surprise I was notified by my credit monitoring company that One main Financial reported my payment 30 days Late; to my disbelief any reputable company would proceed to report during a pandemic. I will never advise anyone under no circumstances to use this company. The lack of support, professionalism and daily harassment that has been display by this company during this pandemic, absolutely demonstrates that this is a company to stray and stay away from. Do Not use this company save yourself stress, harassment and extremely high interest.

1 year ago

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Anthony Morris Myrtle Beach, SC

Been a customer for about 8 years, and u will b too if u Barrow more than 5k. Missed 2 payments and they repoed my car over Christmas and new years holiday with out a phone call. I paid the payment and had banking issues beyond my control. I had just went fishing and there is raw fish in my car and they won't let me get the fish. So they stole my car and took food out of my kids mouth over the holidays if I'd known there was a problem I would've gladly paid the difference. Now they have destroyed my car won't let me have my personal belongings inside which value over 1k in sporting goods and it's all personal because the the manager at the branch is a dog. It clearly states it is not a company for people with good credit. Well heads up Pam, if I had good credit and wasnt a slow bill payer I sure wouldn't b here. So who is this company for???? Hard working people who are tryin to get back on their feet? Or just victims of the low class pos that wants a Christmas bonus over someone else's lack of luck. I'm just glad u had the opportunity to knock me down.

1 year ago

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Johnny Hollister, CA

Your employee at the Newark location is a lying unprofessional worker!! She tells me that I qualified for 10k and that the remaining of my second loan was going to be 2700!! I get a notification on my credit karma and I have a SECOND LOAN OPEN WITH THIS FRAUDULENT COMPANY!! I contacted the office and all the pathetic manager and employee that handles my file, all they can say is "I'm sorry"?!!! Scandless business you guys run!! Yet when a review is left you guys tell us customers to contact you guys to resolve this matter?! It's just a bunch of BS TO MAKE YOURSELVES LOOK GOOD WHEN OTHERS READ PEOPLES REVIEWS!! Anyone who reads this that is thinking about using ONE MAIN FINANCIAL I highly recommend you guys use someone else!!! They will.lie through their teeth to make it sound good for you to sign!! ONE MAIN FINANCIAL IS A COMPANY I WOULDNT RECCOMEND TO MY WORST ENEMY!!!

1 year ago

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Eric Lowe Jonesboro, GA

On Monday 18, 2019 my wife and I called one main financial after receiving a text “back again” get a loan and don’t pay 2020 January. So we requested 5,000 being I’m a veteran who gets my va direct deposit on the first and social security on the 6th of each month. The employee Joni told us we were approved for the 5,000 we requested so she said come in today Wednesday the 20th November 2019 and bring paystub bank statements utility bills etc. We had all the paperwork and we came in as scheduled. She needed my va bank statement. I had it emailed to me and we were able to pull it and print it out at one main financial in Morrow Georgia. The whole time after that she hadn’t sent the paperwork off and it was 4:30pm she tell us that we gotta come back in the morning. I told my wife I didn’t trust her or her handling our paperwork This woman had already lied to us. Do you know this woman told us to come in at 8:30am then she changes it and said come in at 9:30am. . I told my wife if she changes the time again then she’s brushing us off. Well guess what she changed the time again. She says come in at 10:00am. I told my wife I don’t trust her with our paperwork because she’s been lying to us the whole time. Now it’s 5:15pm people still coming being seen and getting approved but we existing clients that pay on time being lied to. I told my wife she don’t wanna make her commission. The rest of the employees are working and getting people squared away with their loans. We leave we get home it’s 5:55pm the phone rings it’s Joni saying we only got approved for $1,000. But we was like you told us Tuesday and Wednesday that the loan was approved for$5000.00. This woman was lazy and sorry. She wasn’t trying to do nothing for us but she was watching that clock though. I will share this make sur your request is guaranteed. Because had we knew this we could’ve saved gas and we would not have wasted our time or on main financial. I’m very disappointed. SMH.

1 year ago

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Fernando Los Angeles, CA

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.

2 years ago

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Karen Mt. Dora, FL

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!!!

2 years ago

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James Manorville, NY

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!

2 years ago

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Fred Chicago, IL

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.

2 years ago

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NEIL MILLER Jacksonville, FL

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!!

2 years ago

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Jared Ratzlaff Liberal, KS

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.

3 years ago

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Cheryl Bishop

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????

4 years ago

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Gabriela Ratulowski

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.

4 years ago

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Angela Simmons Norfolk, VA

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.

4 years ago

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Kathleen Phillips

They are very friendly and knowledgeable of the business. They want to work with you not against you. If you don't give them a chance it's your lost. Go talk to them!!!!!

4 years ago

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G. Crawford Kaneohe, HI

Customer service was outstanding...was in office total 30 minutes or less. Had all the paper work required and able to put on auto pay. Even choose the date(which I can change if I needed to).

4 years ago

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