OneMain Financial Personal Loans Reviews

OneMain Financial Personal Loans Reviews
4.4 out of 5 stars
601 Reviews

From Borrowers in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4 out of 5 stars

Customer Service

4 out of 5 stars

4.5 5

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Most Helpful Positive Review

Oct 02, 2019
Predatory Loan so Pay off Fast
NobodysFool99 Borrower

This loan is Predatory. If you don't plan on paying it off in 6 or less months, don't get it. If you are falling into some lump sum within that time, then go for it. I did.

It was so funny. As soon as I went online and paid the entire balance off, a representative called me immediately, like if it was any of her business, and asked me how did I pay it off. Lol. I told her I ran an escort service. You should have heard the silence! Point is, pay of early or pay a couple hundred more than the amount owed each month to get that balance down. Don't pay the minimum. That's what they are banking on. Be smart....like me!!!

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Most Helpful Negative Review

Nov 01, 2019
The Interest is a Killer
Ghostofalegend Borrower

If they explained the interest rate propely and the repayment Math upfront they would lose alot of business. Their interest rate is a daily interest rate so if you took a loan of 10,000. at a interest of 25% and lets say your monthly payment is to be $250. When you make your monthly payment $212 goes towards your interest and $38 goes towards your balance. The only way to get out of your loans fast with this company is to never miss a payment and always pay more than your standard monthly payments. The loan math is [Loan Amount] (APR%/365)X{days between payments} = interest.

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

Jun 02, 2020
Easy and fast
lilypat100 Borrower

I was approved for a loan and the process was very easy and fast. I was very satisfied with the overall experience and friendliness of the staff. Looking forward to continuing doing business with them.

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1 Reply
Jun 06, 2020

Why would you do business with a company that charges you double to repay? The APR's are not even competitive. Get a clue from yo Mama...

 
Jun 02, 2020
Highway robbery

When I was told about this company, I was yes I can come from up under my debt... WRONG... You are paying almost double of what you borrowed. Thier is NO early payout. If you must get this loan be mindful of how much you borrow.

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Jun 02, 2020
Brian6166 Borrower

Quick, Easy and hassle free ! Great experience !

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1 Reply
Jun 05, 2020

Yea right, if you love the experience of getting ripped off!!

 
Jun 02, 2020
runninghawk Borrower

Great company and easy process.

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1 Reply
Jun 05, 2020

Horrible company that won't last another year with their rates... Total RIP off.....

 
Jun 02, 2020
Amber0411 Borrower

Everyone i spoke with was so helpful and i got my money asap. 

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1 Reply
Jun 06, 2020

I'll bet you did. Now you have to pay it back twice. Great move Genius.....

 
May 27, 2020
Beware
screen456 Borrower

Not happy with my loan at all.  Very deceptive. When i first got my loan I was told that a service for vehicle breaking down was included with loan for free. Apparently it was not. When I got loan payment information in the mail it stated this service was $580 or so. I called to cancel. Unfortunately they just add that mount onto loan. I recieved a loan for a little over $4000 in November 2019. I have paid over $1200 in payments. I still owe $3700 on loan. This is what hurts people trying to better their credit. Loans like this keep their credit messed up because it so easy to default because your paying for the loan twice with SKY HIGH interest rates. All the payments you are making in the beginning are purely interest. I don't know how the law allows them to get all the interest upfront instead of charging the APR per payment. It sucks. I would have been better off paying off my debt another way. The interest I'm paying on this loan is costing me 4 times what i would have paid if i would have just waited and saved or used my credit cards. Would not recomment to anyone unless the have perfect credit and if they do, they wouldn't need One Main Financial.

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May 26, 2020
Personal loan

I needed some extra cash in a hurry and was able to get a loan in 24 hours.  The process online was easy and had an answer the same day.  I would've given it 5 stars if I didn't have to come in person to sign the documents though.  But when I was there the employees were curteous and helpful.  

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1 Reply
May 27, 2020

You are a 2020 customer give it a few months when it seems like your bill is not going down and let's see if you have nice things to say then. Lol..

 
May 26, 2020
Personal loan for debt consolidation.
HurleyNYC Borrower

Required collateral (secured by auto). Exceptional customer service, very responsive, and seamless transaction. Highly recommended.

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1 Reply
May 29, 2020

Debt consolidation with a 30% APR? Are you planning to go bankrupt?

 
May 23, 2020
Jackie3266 Borrower

My credit wasn't the best so I ended up getting a car loan through OneMain. It was actually quick and easy and yes the interest rate is high but that's my own fault for letting it get that way. The process was easy and the staff at my local office was great. It has definitely helped my credit go up and I just get on the app to pay my bill every month.

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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.