Southernmel1st

4 Contributions 107 People Helped

Member Since: April 2015

Most Helpful Contribution

OneMain Financial Personal Loans

Jan 08, 2020
Dear lord pay it off QUICK
Helpful to 89 out of 91 people

Got approved but it took a LOT to get there. Surprised they didn't ask for my daughter and son's DNA and hair samples as part of the process. They will dig through your bank account and request proof for everything. Interest was ROBBERY. I got the loan initially to build credit but I ended up paying it off QUICK because of the 100% interest. Be careful with your money. OneMain should be a LAST RESORT. But honestly next time, I would rather borrow from the MOB.

Activity (4 Total Contributions)

OneMain Financial Personal Loans

Jan 08, 2020
Dear lord pay it off QUICK
Helpful to 89 out of 91 people

Got approved but it took a LOT to get there. Surprised they didn't ask for my daughter and son's DNA and hair samples as part of the process. They will dig through your bank account and request proof for everything. Interest was ROBBERY. I got the loan initially to build credit but I ended up paying it off QUICK because of the 100% interest. Be careful with your money. OneMain should be a LAST RESORT. But honestly next time, I would rather borrow from the MOB.

OppLoans

Dec 20, 2018
SUPER HIGH INTEREST! 100% is ridiculous
Helpful to 17 out of 18 people

It was an easy process to get financed. They make you do auto payments. Helps to build credit which is the only reason I had it. That being said. I quickly realized that 100% interest was quite ridiculous to build my credit to purchase my new home. So I paid cash for my house and said forget it. Paid off my loan with Opp Loans. During the time that I had it open, I ended up refinancing and during this process they told me that I was no longer able to do the every two weeks payment. They started charging me weekly instead which is stupid since I get paid bi-weekly. I guess they thought that it would make them more money if the payment bounced. Who knows. Proceed with caution. This is quite literally a payday loan. If you do not make much money, this is NOT a good trap to fall into! BEWARE. 

OneMain Financial Personal Loans

Feb 14, 2018
A ploy for collateral. Just don’t.
Helpful to 1 out of 1 people

So, I was “approved” but only for a “secured” line of credit with my vehicle as collateral. Got the call from my local “OneMain” office saying I was approved. I told the young lady that i saw that it was secured and wasn’t interested because I know my car isn’t worth it. She started spouting off about the vehicle loan I have and how I probably have equity. That’s when I broke her heart and told her that I sell vehicles for a living and ONLY have that car still because it is helping build my credit. Told her for a fact that I know my car isn’t worth what I owed. She still insisted on checking. I told her to feel free to waste her time and book it out. Sure enough. Not gonna work. Big surprise there. My credit is good, but just not much there. Tired of trying at this point.

Torrid® Credit Card

Dec 09, 2019
Terrible treatment of good customers

I have had this card for about a year. Never paid late and always paid more than minimum. I just received one of their "secured" notifications that they are lowering my credit limit due to a lack in mortgage and high balances on other cards. First off, none of my other cards are over $600 limit. Second, I paid cash for a $170k house and now have a fully liquidable asset. Third, it is literally 2 days from Christmas and I used my cards to buy Christmas due to the discounts associated and I did that only a day or so before the reporting cycle. Instead of waiting it out to see if I pay them off, they lowered my limit. I will no longer support a company that punishes their customers for making responsible financial decisions. I will be closing this account and do not recommend anyone use their cards or even purchase their overpriced cheaply made clothing.