OneMain Financial, Inc. Ratings & Reviews

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NMLS ID: 397340

OneMain Financial, Inc.

(2.9 of 5) 13 Reviews

62% of our customers would recommend this lender.

About OneMain Financial, Inc.

OneMain Financial provides personalized loan solutions and one-on-one, local service at neighborhood branches nationwide. Use a OneMain Financial personal loan for bill consolidation, home improvements, unexpected expenses and more. Count on OneMain Financial...

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Customer Reviews

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13 Reviews

(2.9 of 5)
Review Breakdown
  • Lender Review
    from Papillion, NE Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    November 29, 2016

    STAY AWAY

    (0) (0)
    The issue is not with the loan itself. It is the HORRIBLE service. I applied through Lending Tree. Got a call within 20 minutes. Took info. Said 'no problem getting you approved." My credit is perfect except that I have high balances. No late's EVER. I have credit monitoring service and I receive notice that they have pulled my credit from Experian. Than she calls back and says I need a co-signer. Fine, husband can co sign. Than she calls back and says we have a counter offer $5,900 (vs $7,000) and they want to use my paid for BMW as collateral. I was thinking against it but decided ok, as the plan was to pay off high interest cards and than pay this loan off with my bonus in 4 months. Used some online calculators and figured it was still a decent option. Next she ask us to come in at 3:00 pm the next day. Ok, that involves me taking off early from work, my husband going into work an hour early to make sure he can get his work done so he can leave 2 hour early and him going to his part time job an hour late. Get another notice from my credit monitoring service. They have pulled Experian for a second time each a day apart. She calls at 2:20 pm to verify we are coming at 3;00 pm and goes through the list of everything we need to bring with us. Fine. We get to the office and she takes copies of our drivers licenses. She ask if we brought the paycheck stubs yes (but she didn't take them). We did plus we had e-mailed them to her the day before and she replied to each e-mail saying she had received them. She leaves for more than 30 minutes and comes back and says "Sorry, we can't get you approved." HUH? I view this as a blessing as I was really not sure about it. She said that my husbands take home was lower than what they calculated it would be at when they asked him his hourly rate based on his hourly rate?? All this information was on the paycheck stubs she received in e-mail prior to her telling us we were approved 2 days before our scheduled appointment. What bothers me is how inconsiderate she was of our time! She flat out said we where approved. Called to verify just 30 minutes prior that we would be coming. She very well knew we were both rearranging our schedules and taking off work to come. Than leaves us sitting for 30 minutes before saying we were not approved???? Why did she ever set up the appointment if we were not approved? Wouldn't a professional have all the ducks in a row before setting up the appointment to come in and sign papers? I explained to her how rude she was to ask us to come in and calling to verify that we were coming and telling us we were approved when in fact we were not. She SHRUGGED her shoulders at us. We asked to speak to her supervisor and her supervisor said "That's how it goes sometimes." But did admit that her time was valuable and she wouldn't like someone to take up her time when it wasn't necessary. I switched dentist due to them leaving you in the waiting room for 2 hours after your scheduled appointment. Inconsiderate to eat up someones time as she did. DO NOT SET UP AN APPOINTMENT and ask people to re arrange their schedule if you are not going to do business with them. Oh, who is she? Caitlyn Harris in the Omaha Nebraska office. Stay away - you are just another number! The great news - after we left we stopped at the credit union to drop off our house payment and was telling the teller about the rudeness of Caitlyn and how glad we were to bank with a credit union who understands our time is valuable. She asked why we didn't do a signature loan with them. 20 minutes later we were done at 8% interest! Moral of the story - stick with your home town credit unions - they know you and care about you as a customer... Read More

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  • Lender Review
    from Tampa, FL Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    November 23, 2016

    Big Joke

    (0) (0)
    If i could put zeros i would. Big joke. They make you believe your approved then you submit personal info to them and make you accept telemarketing calls then they come back and say your not approved.

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  • Lender Review
    from Sicklerville, NJ Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    March 29, 2016

    Not happy

    (0) (0)
    Wanted to lend me 10,000 and pay them back over 19,000 in 5 years plus they wanted a title to my car and pay the debt consolidation for me lol

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  • Lender Review
    from Decatur, GA
    (5 of 5)
    Recommended!
    Reviewed:

    A good deal!

    (0) (1)
    My husband had a loan and when he passed that's when they were very helpful during that time and later I found myself needing to need a loan, one main was right there being helpful to me. Thanks One Main.

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  • Lender Review
    from Sicklerville, NJ Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    September 19, 2016
    Loan Closed On:
    September 21, 2016

    Life changing experience!

    (0) (0)
    The site manager was very friendly, professional and knowledgeable. The process was quick and easy. You have changed my life and gave me the opportunity to begin again. Thanks so very much.

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  • Lender Review
    from Harrington, DE
    (5 of 5)
    Recommended!
    Reviewed:

    Great

    (0) (0)
    Great people and a great place. I didn't expect them to work with me like they did

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  • Lender Review
    from Bloomfield, NY Confirmed LendingTree Customer
    (3 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    November 14, 2016

    Waiting...

    (0) (0)
    Waiting on response

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  • Lender Review
    from Davenport, IA Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    November 8, 2016

    Beware

    (4) (0)
    Was working with our local office. We were approved for 12,800 @ 21% interest for 5 years with monthly payments of $346.00 or $428.00. I did the numbers and it didn't seem right. I called this morning and spoke with the loan officer, I confirmed what he had told me. I then asked if my payments are 428.00 a month for 60mo. I would have paid you 25,680 That is 100% INTEREST!! He explains to me that is with added insurance that I can opt out of, that's why he gave me two different monthly payments. OK pretty high Insurance! So I asked if I didn't want the Insurance my payments would be 346.00 a month right. He agrees. I then said 346.00 a month at 60 mo. I will have paid you 20,760 That is 62% INTEREST!! I said that's not the 21% interest you had told me. He had no response, He literally had nothing to say!! I said I see what just happened here, thanked him for his time and he hung up on me.. Beware before you sign on the dotted line.. ... Read More

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  • Lender Review
    from Fairmont, MN Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    August 2, 2016

    New business

    (1) (0)
    I was in need of help and needed help financially in a fast way. I had recently been dealing with a disability that takes me out of work for a couple weeks when I have a bad spell so on top of this and having been garnished for unpaid medical bills that were my ex husbands responsibility I was falling behind fast. And destroying my credit on top of all this. Especially After I built it up after my divorce. One main pulled through for me in a fast effective way. After theor help I could breathe again! Besides helping they were so so very nice and understanding! Recommend to anyone who had been in my shoes! They are great!... Read More

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  • Lender Review
    from Toledo, OH
    (5 of 5)
    Recommended!
    Reviewed:

    Great Customer Service

    (0) (1)
    Fast. Great Customer service. Would recommend to friends and family. Very professional. Very pleased with the process.

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OneMain Financial provides personalized loan solutions and one-on-one, local service at neighborhood branches nationwide. Use a OneMain Financial personal loan for bill consolidation, home improvements, unexpected expenses and more. Count on OneMain Financial for a straightforward personal loan application, fixed rates, clear terms, flexible payment options and money the same day if you are approved by noon. **Springleaf Financial is now OneMain Financial.