OneMain Financial Personal Loans Reviews

4.0 out of 5 stars
1623 Reviews

From Borrowers in the last year


Application Process

4 out of 5 stars

Customer Service

4 out of 5 stars

4 5

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Most Helpful Positive Review

Jun 07, 2017
Good for debt consolidation
Brittandlewis Borrower

I am very happy I got the loan, it helped me pay off 3 high balances I had on cards. However be aware when you are actually in office and going through the loan terms etc. They added on roadside assistance and health insurance without making it known that I am getting charged for this. I had them remove it as I already have both. I am getting this loan to help me out with my debt, not add more to it. So be aware and make sure they aren't charging you for something that you don't want. Other than that I so far have had a good experience.

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Most Helpful Negative Review

Jan 10, 2017
Cat746 Borrower

Make this your last resort and pay it off as quickly as possible. Really...THIS SHOULD BE YOUR LAST RESORT. I borrowed $3,000 in October and requested a pay-off in was $4,387. How is this possible??? They sold me insurance that I cancelled, they refunded the entire cost of the insurance but they still added the cost insurance coverage to the loan. Watch this...the cost of insurance is amoritzed over the life of the loan but if you cancel they send you the entire amount...trickery. I asked for written documentation of this practice, there is none and they are not willing to provide any.  Please, use this as your LAST resort and decline ALL insurance coverage. This should really be illegal.

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

Nov 20, 2017
Consolidation loan
mra102 Borrower

This is the easiest, by far, loan that I have ever applied for.

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Nov 19, 2017
mrc1976 Borrower

Received a recommendation from Credit Karma to apply for a loan w/ One Main.  Applied online and had an approval within hours.  The whole process was quick and easy.  

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Nov 18, 2017
Very easy to apply with fast decision
aliway67 Borrower

Make sure if they give you are issued "THIRD PARTY CHECK" you MAIL it to the payment center of the Credit Card you are paying off. The stores will NOT take a THIRD PARTY CHECK.

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Nov 18, 2017
High intrest/easy to apply
genniestout Borrower

They have high intrest rates, but very easy and quick to apply and be approved. Pretty cool points rewards also.

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Nov 17, 2017
It helped me out when nobody else would

The interest rate is not the best, but I needed to come up with a lump of cash quickly and for a short term. Pay it back a little faster and you will save on intrest. The people I dealt with were friendly and made me perfectly aware of all the "extras" that they could add to the loan for you, (Roadside assistance and stuff like that) which you CAN decline. Let's be perfectly honest, this probably isn't your first choice for a loan, but if you are looking here, everyone else said no.

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Nov 17, 2017
It is a debt consolidation personal loan
erschwartz Borrower

Very easy application. Very quick decision.

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Nov 17, 2017
Mnfl00388 Borrower

It is easy to pay online, see what you owe, friendly staff

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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.