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OneMain Financial Personal Loans

3.5 out of 5 stars
296 Reviews

From Borrowers in the last year


Application Process

3.5 out of 5 stars

Customer Service

3 out of 5 stars

3.5 5

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Most Helpful Positive Review

Mar 05, 2016
They are there, when you're in need !!!
pmartin1664 Borrower

I am just so tired of the whining, and the down right lying, that goes on in these review pages. Fact of the matter is.... none of us would be asking these Onemain for money, unless we have made a complete mess of our OWN financial affairs ! Why on earth DIDN'T all you whiners go to your bank or YOUR credit union to straighten out your affairs? Oh that's've got such a poor credit history, that no one will touch you !! When you sat down and signed the paperwork when Onemain agreed to help reverse your teenager like spending habits of the past, you were all smiles and thank you's. But when it comes time to make payment 8 or 9, and you've got no more of that excess cash in the bank, nor have you started to prepare budgeting what you'll need each month to make good on that loan....well.... now you're Inspector Gadget of the Federal Banking Association, and you're claiming to everyone who will listen....Onemain are crooks. It's pathetically funny, I've yet to read a review where someone says that they are a CPA and have figured out that Onemain is stealing from them. as well, I've also yet to read where one of these deadbeats tells of a successful story of how "I got my lawyer on them" !! Oh don't have $200 to pay your monthly note, yet you've want us all to believe that you've got a lawyer who says you're right and will fight for you. And not for nothing....I can't see any attorney taking this kind of case for less than a $1500 retainer. JUST GROW UP , AND PAY BACK WHAT YOU AGREED TO. You were lucky that these people loaned money to you in the first place. I have absolutely zero sympathy for people like this/. I believe they will be deadbeats their entire lives. It's truly sad. I say that because once or even twice when I was younger, and then again when I wasn't so young....I allowed excuses to get me into financial trouble. My numbers sucked 550. THAT"S right 550 !!! Couldn't get a lollipop on loan! Then I grew up. I joined CreditKarma for free, and then opened up credit cards that I paid on early, and even several times a month, instead of spending on things that were asinine. I took a personal loan through Onemain and paid all my old balances down to zero. Closed those old cards out, repaid my onemain a bit ahead of time, thus saving money. I wrote to Experian and the other 2 on accounts that should NOT have still been on my report. If you don't ask that they be taken off, they'll remain there. and even though 10 -15 years has pasted no one will question them. But they sure still add up against you when you apply for ANY kind of credit !!!!!! So to continue on my story....after paying Onemain back, or I should say CitiFinancial, as that was their name then, I applied on CreditKarma for a car loan and was approved by 5 different companies. I'm into my 14 month of payments, my number has grown to 780 and I get pre approved offers monthly. But the key to my story is......STOP BLAMING ANYONE YOU CAN FOR YOUR DYSFUNCTIONAL FINANCIAL HABITS. START TODAY TO TURN IT ALL AROUND , AND WITHIN A YEAR.....YOU CAN BE SMILING ALL DAY, EVERYDAY, INSTEAD OF ONLY WHEN YOU FIND SOMEONE TO GIVE YOU A HIGH INTEREST LOAN !! GET WITH IT !!!

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Most Helpful Negative Review

Oct 11, 2016
Nice people, easy loan, but bad deal
Anonymous Borrower

This company gave me a loan when i needed it but refused to lower the interest rate after I improved my credit score and was receiving offers from other places.  Don't borrow from them unless you are prepared to pay incredibly high interest rates.  When I borrowed from them, they didn't even apply anything to the principal until 4  months later.  I payed 290.00 and the interest was 290.00 for 4 months.  On the 5th month they applied 35.00 of this to the principal.  Shame on them for taking advantage of people who want to help themselves and shame on them for not changing their rates once my FICO went from 590 to over 700.  I took money out of my 401K and got rid of them. Beware!  Their practices should be illegal.  Oh and they definitely try to push all the extra insurance you don't need.

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These reviews were written by current and former borrowers in the last year.

Oct 27, 2016
They take care of their customers!
sprmomma Borrower

They are always there to answer any questions and make the process go smoothly from beginning to end.

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Oct 27, 2016
Excellent service!
wyttygrss Borrower

Help me in my time of need.  Everyone that I have dealt with has been amazing!

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Oct 27, 2016
Good customer service, bad rates

Application process was easy. Helped me get my car but the interest rates are ridiculous. I'm paying 34% APR

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Oct 27, 2016
chubbell786 Borrower

One Main Financial made the loan process extremely easy. Everytime I call or have questions they are kind and courteous and have never gave me bad information. I recommended friends for this loan. 

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Oct 27, 2016
Helped me when I needed it the most.
ylody427 Borrower

This place is great. They helped me when I needed them the most and they continue to help me if I cannot make a payment on time. These people are great!

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Oct 27, 2016
Too new to say

Transfered from Springleaf. not long enough to see how they are.

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Oct 27, 2016
Danijo43 Borrower

OneMaine Financial is an excellent source for any financial needs. Whether it's consolidation, or car loan whatever you may need they are the place to go. And they will work with you if your having a hard time making a payment, they will make sure that the payment is something you can afford. I would recommend OneMain to anyone who needs a loan :)

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Oct 27, 2016
Easy and Affordable
x3k3lzx3 Borrower

I applied for a loan for my wedding and was quickly approved with less then perfect credit. The payments are affordable and customer service is great. 

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Oct 27, 2016
Quick and easy way to get money

I needed to replace my furnace and didn't have the money to do so. My credit is poor so I wasn't approved through the heating company's finance company. I applied with OneMain and quickly received an approval. I went to their office to sign the paperwork and received the money right away. I highly recommend this company.

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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.