Formerly known as CitiFinancial, OneMain Financial has been offering financial solutions since 1912 and has nearly 1,700 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 - $15,000, making funds available as early as the same day if you apply by noon. 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. 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 not change. This allows borrowers to plan ahead and be fully prepared for their personal loan payments.
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 loans as well as unsecured loans. This means you have the option to offer up collateral to help you qualify for a loan or simply to receive a lower annual percentage rate. Offering both types of loans caters more fully 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.
With hundreds of reviews, OneMain Financial has a high star-rating from consumers, demonstrating a satisfactory 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 the lender, browse OneMain Financial reviews below.
OneMain Financial loan options max out at $15,000 for personal loans, which is relatively low compared to 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. 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.
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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.
I recently worked with OneMain on an unsecured loan, an awesome and painless experience at the Portage, Michigan office. I've worked with the office in the past as well, they are alwats accurate, professional and courteous to me. Very pleasant to work with, definitely continue my business with them as needed in the future.
OneMain has helped us to better our credit scores, payoff debtors, and given us peace of mind that we are going in the right financial direction. We have already recommended OneMain to friends, and will continue to do so....everyone deserves to have financial peace!
our agent was ok, just wish they would ask for all info needed before the 4hour closing time.
the people were great
The people were friendly and very helpful.. I feel things were fair just wish the interest was lower..
One Main has your back! They will find the means to help you the best they can! All personnel are extremely helpful and courteous!
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.
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.
They were awesome in helping me get approved for a loan. Would use this agency over and over again
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.
The staff here at our local One Main is great. They have always been friendly, courteous, and very helpful. They have given me advice as to how to set up my loan and tips on how to pay it off quicker. They are a good bunch of people and I would recommend them to anyone. Thank you! ! ! !
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!
The staff is always helpful They explain all the papers I am signing . I always feel like they will be there if I have any questions.
Don't get a loan from OneMaine. The worst! You'll never get out of it. The interest is INSANE! Highway robbery. Just best to Get a credit card that will help with your credit score and get a loan from a bank. I will never make the same mistake of getting a loan from OneMaine. I have never missed a payment and I'm still paying on the loan from a year ago. Do yourself a favore, and DON'T DO IT!
Its great doing business with this company I have been with them for some time now and thay are great
They were very helpful and spent time to get the loan to go threw.
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
it help to consolidate some of my bill but its very high in rate
They provided the finances I needed to pay off my taxes and truck and miscellaneous bills at first but have helped with paying off credit cards and get tags for newer vehicle. It has really helped us a lot.
Have use the One Main branch before. The stsff are konwledgeable, efficient and friendly.
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.
This company is not ethical and discriminates against people. They do not understand anything that people provide as far as documentation. They send mountains of papers for no reason either. Avoid these people they are not ethical and they will lie and waste your time.
I don't have the best credit score, One Main Financial helpped me obtain a loan, that best suited my qualifications with a payback amount I was able to really work with.
It helped me get a car also helped me pay off some bills. Just the rates are so high.That's why I scored it low
It was a great experience at the Farmington, Mo office. Richard was outstanding! Just wish I could have gotten a better interest rate.
My bills were payed off and I'm left with some money to help in other ways
I had bad credit and in need of $ fast. They accepted me!! Now my credit score increased after this. Thank you onefinancial. :-)
This loan has helped me to do things around the house and payments were affordable.
The staff was very knowledgeable and helpful and friendly with us the entire time. They were also very personable in understanding our needs and financial situation.
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.
I have had a good experience with OneMain the people that has helped me has been very nice and helpful
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!
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!
Helped me pay off bill and lower my monthly payments.
i can not believe, how easy it is to get my loan.i would recommend this co.to anyone,who needs a loan.
It helped me buy Christmas gifts and pay off other bills.
One Main Financial is a great company. They are very efficient and professional. They were very helpful to me.
Wonderful people easy to apply and a great payment plan.
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.
It was great being able to consolidate everything
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!.
Excellent service! Easy, no hassle, monthly payments as a option is fantastic! Will definitely be my finance company for years to come
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
One Main was Very Helpful when we wanted to experience our very first Vacation in Las Vegas which was also our well overdue wedding honeymoon of 12 years. Thank You !
quick service and with the proper paper work the loan can be done in 30 min.
Onemainfiancial they are very helpful to help you get your money as soon as possible. They also have excellent customer service.
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.
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..
This loan has helped me consolidate several bills and loans with high interest rates.