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OneMain Financial

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292 User Reviews

5.6

Overall Score

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Author: Kaitlyn Short

LAST UPDATED: November 1st, 2024

Formerly known as CitiFinancial, OneMain Financial has been offering financial solutions since 1912 and has over 1,300 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–$500, 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. 

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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."

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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 1,300 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)
  • North Dakota — $2,000
  • 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. 

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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:

  • North Carolina — $11,000 for unsecured loans to all customers; $11,000 for secured loans to present customers
  • Maine — $7,000
  • Mississippi — $12,000
  • West Virginia — $13,500.

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.

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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: 

You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral.

Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. 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.

OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees.

Current OneMain Customers: Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates. If a customer applies for a new loan offer, a OneMain representative will discuss available options.

Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral. If you are covered by the MLA, you are not eligible for secured loans.

Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

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4.0

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292 Reviews

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61%

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15%

3 grade

4%

2 grade

2%

1 grade

18%

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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.

4 years 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.

5 years 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!!!

5 years 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.

5 years 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.

5 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!!!

5 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!

5 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.

5 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!!

5 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.

6 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????

7 years ago

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m brown

I am refinancing my loan through my jobs credit union. I was always suspicious about my loan from one main bcse statements were very vague. I even filed a complaint w consumer protection which was pointless bcse I wanted my statement to have detailed info. All it shows is the amount of my loan once it's paid off 5 yrs. I borrowed $9300 and it shows final loan only of $16000. The truth reared it's ugly head when I called for my payoff and now I know why the statement provides no info. I have paid about $2000 in pmts so far. They gave me a payoff of $2 less then my original loan. Basically its an interest only loan. Once the $7000 in interest is paid then you pay your principal. There is no way to pay it off early to save $$$. I will that $16k regardless. So the person who was yapping abt how horrible ppl are w money and how he paid it off early you're still not good w $$$. Now if I refinance I would be giving them $2000 after only having the loan for only 6 months. This is their scheme. No different then the predatory lending practices that caused our economy to crash. Location - Monroeville, PA

8 years ago

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Sally mc callum Charlotte, NC

The manager is a big fat lier and her word is nothing and they need to get her out of their company and for everybody out their if you pay one main off and you used your car or truck tilted as your lien please be a ware if they say the lien has been lifted after you pay them off if it's computer generated they are lying to you please make sure they did what they said and end up like me had a second lien on my car with them and I paid them off and a year later paid off my car and one main sent me paper work saying they lifted the lien off my car after I paid them off and didn't find out I was lied to until I paid off my car and then I found out that one main still had a lien on my car I had to do my own leg work to get them off of my title if they have to go into the computer please be careful be cause they are lying to you about lifting the Lien , I hope this will help somebody out there pleas be careful and mindful of this company , these people are crooks and I promise you you don't need money that bad these people would let my title go they would not lift the lien and I paid them in full a whole year early so please Be a WARE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

8 years ago

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Chandra Nicole (MyChandraNicole) Grand Rapids, MI

(Wayne, Michigan) Listen...if you have ANY other options, ANY, DO NOT do this to yourself. I took this secured "auto refinance" loan to pay off the remaining balance at the end of a loan through Toyota Financial for a car I purchased new. I had this balance because of extensions due to Family Leave, etc, so rather than worry about Toyota coming for the car, I refinanced what I owed and paid Toyota off (i.e. $3500). Everything was smooth sailing, the interest rate was high, but I bit the bullet with the intention of paying extra and paying OneMain off early. I had the loan less than a year, when about a month ago I had an accident and the car, was deemed a total loss by my insurance company. This being my first accident, and following my insurance company's instructions, went to get a copy of the Title to mail to my Insurance company. At Secretary of State ( SOS), I was informed that One Main had put all kinds of roadblock to prevent me from getting a copy of the title. When I called One Main to inform them of the intent of the Insurance Company to pay off the balance...their whole attitude changed. The Manager was speaking to me like I was trying to do something shady and illegal AND I definitely told him about himself...then he tried to clean up his words saying they have never had to speak with a customer about an insurance payoff, blah, blah, blah.... And how they give a promise to release a lien once payment is made... Mind you, I'm just trying to follow the guidance of my insurance company. Fast forward to today, September 9, 2016...One Main is paid off, they sent the release to my insurance company instead of to me. My adjuster sent me a copy of the release so that I could take to SOS. I get to SOS , to get a copy of the title, with the release statement in hand and One Main has yet stipulated that the Title could only be mailed. Don't do it! If you have any other options... Toyota didn't even put all these stipulations on the title and I financed my car brand new! Don't do it.

8 years ago

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Tiffany shields Auburn, IN

My father passed away on July 19. We went to the funeral home the 20th. The director was super sweet. He recommended David from the Kendeville Branch. We got the loan that day and everything was fine. We had reassurance that my dad was going to be laid to rest. The funeral happened on the 25th of happened. Today is the 4th of August  the loan company then sent my dad a paper saying he was eligible for 7400 dollar loan signed by the same Davide that closed my moms loan the 20th. This was 15 days after the loan was closed. I called and tried to get in touch with David.  The secretary said he was on vacation. Then she went to talk about it was their solitation dept. that sent it to us. This is rude and inconsiderate. I will be making a complain to the BBB because he wasnt in the loan companys system. He never had a loan through them. The loan did not have his name on it at all. They did not disclose that they will be buying your familys information from a third party to solisitate to them to try to get their business. She apologized and said she would put in a request for them to stop sending him loan paper work. Then she proceeded to tell me that it takes usually up to 3 months for them to fix it so he will stop recieving these. My mother was hurt that she had to take out a loan to begin with and then they couldn't mention that they would be getting your familys personal information and soliciting to them for 3 months after a request is asked for them to stop. How long would it be if a request wasnt made is a question that is also running through my head.

8 years ago

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Dee Richmond, VA

This is the worst company ever. The unemployment insurance is bogus at best. They wanted me to go back to my employer and ask them to fill out some paperwork instead of having the insurance company send and receive the paperwork from the company. I never did get the loan paid through the insurance, consequently I had to scrounge around and borrow money to pay this loan, otherwise needless to say, they harass you until you give them something. They are also extremely rude. I've resolved to dealing with the main company using the 800 number instead of the branch This company should close it's doors forever. Never again will I be suckered into taking a loan with this company again!!!!!

9 years ago

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L Lee Burlington, NC

One Main Financial is useless and don't honor what they sell you which is expensive insurance for job loss and unemployment. I paid faithfully and when the time came to use this insurance during the covid 19 crisis and I was on unemployment having to scrape by barely they took my money and told me tough luck. One Main expects customer to honor their responsibility but when it comes to One Main honor their word don't expect much. My family suffered while One Main made money of my misery. I am will finish my agreement with them because I am better than business who don't honor their word.

3 years ago

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Anita Melendez Buckeye, AZ

I needed a loan to pay off a bill for 6500 it took me four years to pay it off. everybody pays interest the principal never goes down neither down the balance. I had to cash our my 401K loan to pay this off Stay away from this loan company. Borrow from friends or family. This is deep hole of debt you will never get out of. Please from my experience stay away from this company. Customer service is horrible

5 years ago

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YVONNE BRYANT Hampton, VA

ONE MAIN FINANCIAL, HAMPTON, VIRGINIA CUNNINGHAM DR. BRANCH: LENDING DONE BY AN EVIL MONEY-GRUBBING, SALARY-PAID COMPANY MANAGER!! WHEN THE 2 COMPANIES COMBINED, THEY REFUSED FOR MORE THAN 3 YEARS TO COMBINE MY 2 ACCOUNTS TO ONE, THE LESSER ONE BEING $1300.00 BALANCE. THE LARGER ONE $7,000.00. THE INTEREST CHARGE AND PAYMENTS WILL WIPE YOU OUT! THEY ARE ENTIRELY SELF-SERVING AND GREEDY! THE REALITY IS THEY ARE THE EXACT OPPOSITE OF WHAT THEY ADVERTISED. I THANK THE CREATOR WHEN I FINALLY PAY THEM OFF. I REGRET DARKENING THEIR DOORWAY TO THIS DAY.

6 years ago

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Jamie Quin

Ive received a loan, refinanced it, never missed nor been late for a payment, now that i applied for another loan all of a sudden the policy has changed. I consider myself a great customer and credit score has risen although i was told i had to have titles in order to receive another loan, once this one is paid, they will never get my business again.

7 years ago

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Anonymous

This company will harass you non-stop if you're even 3 days past the "due date" (You have 10 day Grace period to make your payment!! Managers will be very rude and non-sympatheic to anything you're dealing with and will demand a payment regardless of your situation. They will call you more than once in one day! All day long! Very unprofessional and unfriendly company all around!

7 years ago

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fred Dunellen, NJ

applied for loan thru credit carma.was sent an email that i was approved either 4000.00 with secured car or 1500.00 unsecured.when i called local branch in greenbrook nj to follow up,branch manager ida says all of sudden i'm not approved.when i ask why not because i have email stating i was approved,she comes up with some whacked out story.will never do business with this place EVER!!!!!!

7 years ago

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Billy El Paso, TX

These people are on the edge of very serious harassment. I'm not even 30 days late on my monthly amount and they have been calling me not only once but twice a day. Not only that but harassing my family who I put as my references. Do not do business with these people unless you want to be harrassed if you are even a week with your payment. I am about ready to call my lawyer about this harassment.

8 years ago

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Jennifer Chester, VA

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!

8 years ago

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Ron Anaheim, CA

They approved me for a $2,000 installment loan. Then they asked for a MoneyGram for $250 and said the loan would fund within one and a half hours. The next day they said I needed to send another $200 and it would fund right away. They said if I cancelled the loan I would get my $450 back right away. They are now asking for $220 or now $190 which I do not have. They will not refund me the money. These guys are crooks and I know better but was desperate. I would never do business with them and learned never to send a MoneyGram again. I am reporting them to the BBB.

9 years ago

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Syndee Berke Cottage Grove, MN

I could get a more fair business deal if I had borrowed from THE MOB! 3 years ago I was out on disability and had to borrow $6500.00. 3 years later, paying $200.00 a month, I still owe them over $3600.00! that is $2400.00 a year for three years and my loan is not even 1/2 paid yet! they take all your payments and apply them to the INTEREST FIRST! your principle does not decrease for YEARS! Seriously people! ANYONE ELSE is better than this dirty company!!!!

9 years ago

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David Feuerborn San Luis Obispo, CA

Scammers! They will take your information and sell it, then send piles of junk mail to you. With fake offers. They will approve you for financing, then pull the rug from under your feet, and back out. They are deceivers, and scammers, at the least. Totally stupid people there, who are real jerks. Don't put too much trust into them.

2 years ago

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Craig Oklahoma City, OK

They do a hard hit on your credit report. They are very slow to respond, it took them four days to make a determination. They had all the documents on the second day. Not very responsive. They were the most unorganized and unprofessional company I have ever had the misfortune of working with.

5 years ago

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Geniegal Garland, TX

Hard hit on my credit for nothing. Said they offer secured and unsecured loans. Would only offer a secured loan for 9,000 with a co-applicant, even though I only asked for 3,000. I guess I should be grateful I dodged that bullet.

5 years ago

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No name Junction City, KS

You people are a disgrace to society. You say you're there to help people and if somebody wants a loan for $6,500 and you're giving collateral of over $15,000 but yet still need a co-signer are there something wrong with this picture

5 years ago

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Sue Clay City, KY

Horrible customer service, paid loan off year early. Now I need another loan and they say No, why because I have student loans ( all in good standing) their regulations are horrible. Prob best thing I didn’t get involved with them. My bank loaned me the money I need and at half the interest rate

5 years ago

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Susan Parker Winter Haven, FL

Do not borrow from this horrible company! I probably have paid off this loan three times with the rate they charge! I’m 66 years old and have begged them to lower the rate so I could get this paid before I die! No luck! Horrible, greedy, don’t deal with them!

5 years ago

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CYNTHIA CUDD Maiden, NC

They are the biggest rip off company always charging for every thing we have had a loan with them for 14 years an has not went down !!! The payment goes to them. For finance charges an interest none of it goes toward principle. I wouldn't recommend them to my worst enemy!!!!

5 years ago

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Tyrene Somerville, NJ

This bank lied they added extra stuff to my loan without my permission and I only owed 6,000 for my car and got into an accident car was totaled, insurance was giving me 8,700 and this bank wants to keep everything I can’t even buy another car I’m gonna report them

6 years ago

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jeff Cullman, AL

ive been a month ahead so i did't pay November pay December day early 340.00 payment only 290.00 the issue i have is the only 3.15 went to the principal the 50 over should have went to principal just remember easy approval years of regrets

7 years ago

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Christi Johnston

Never use this company, they false advertise, affect your credit score after saying you are approved then deny. There reason talk in circles they say you are approved based on credit score then deny you based on credit score. Gimmicks. If you credit wasn't bad before it will be when they are done.

8 years ago

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Andy Des Moines, IA

VERY high interest. Contacting you at work when they have been told that the employer prohibits personal calls. This is a violation of FDCPA law. Giving loans with high interest and monthly payments when they know that loan will not be of substantial benefit.

8 years ago

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Cher Ypsilanti, MI

I have done business with One Main since their "CitiFinancial" days. They have always been easy to work with and the loan process quick and efficient. However, now that Silverleaf has purchased them --- the approval process is a nightmare. I will NEVER EVER take a loan from them again. They have lost my business for good.

8 years ago

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J R Weiner Macungie, PA

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.

9 years ago

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Brad thomad UT

I got a loan from one main not only am I paying there high interest rates but so far I've have payed over $2000.00 in processing fee I still have 14 months left on the loan so by the time I pay this off I'll have $10000.00 in interest & processing fees on $5000.00 loan

9 years ago

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Nonya Jamestown, NY

This place stinks! First off their APR is OUTRAGEOUS! They do nothing to try and help you at all. This is the worst place to work with! They are great in the beginning make everything look like butterflies and daisies like they want to help someone that needs it but it just screws you over. DO NOT GO WITH ONE MAIN

9 years ago

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Nancy McDonald La Mesa, CA

I read their offer, but could find no way to contact them regarding the rate or length of the loan and it wasn't mentioned in the solicitation. I do not want my credit report run without knowledge of what I would be buying. If they are too high I wouldn't know it until after I went to a lot of trouble and exposure.

9 years ago

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Karen Blanco Altamonte Springs, FL

I initially wanted to use part of my of my loan to payoff my car loan. These crooks made me use my car as collateral, forcing me to take out a larger loan. They were paid as agreed- and I was so happy to just be rid of these crooks. They continue to contact me, but I wouldn’t take out another loan w/them to save the world! I wish I could only give them half a star.

2 years ago

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Karen Blanco Altamonte Springs, FL

Used this company a few years ago. They made me get a higher loan amount than what I initially asked for. These crooks used my car title for collateral, when I initially wanted to pay off the car loan early. After finally paying them off in full- I received nothing! (No incentive to do business with them in the future. Avoid this place at all costs- they don't have good rates.

2 years 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

3 years ago

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Teresa Minneapolis, MN

Will never make the mistake of getting a loan from One Main again!!! Tried calling them several times and had to leave messages. Worst company ever!!! Would not recommend using them!

9 years ago

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ahsen Mahmood Brooklyn, NY

Worst place to get alone very high interest rate even if you have good credit is what I've noticed lending tree is got to be the best if anybody is looking for a loan stay away from one main financial

9 years ago

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JONATHAN B CRUSE

The biggest rip off ever. I wasted 3 years trying to pay this loan off. I would not recommend this loan to anyone, even if it is a do or die situation.

7 years ago

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Ray Thief River Falls, MN

These people are loan sharks! They will give you money at crazy interest rates and very high payments. Do NOT go here unless you are being threatened with your life!

8 years ago

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tory Omaha, NE

Very high intrest . I got a 3,000 loan and paid 8,000 total . I had bad credit at the time .. but now my credit is way better . I wont make this mistake in the future.

9 years ago

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