Great for short term borrowing.
Great for short term loans/beat payday loans or other astronomically high lending options... It's still very high interest, even with a secured interest (against a vehicle I own) I was at nearly 26%... most credit cards carry lower interest rates then this! If I were to pay JUST the minimums over the 3 year loan term it would end up costing me $4000 in just interest on a $6000 loan. They push you to borrow the maximum allowable, and also push BS added services like life insurance/payment protection/roadside assistance (and they frame it in 'it will only add $__ per month, instead of disclosing the total cost). Felt pretty high pressure/pushy to add those services, I declined them all and suggest you do as well, there's far better options for these items from other companies. They use the dealer fiancing tactic of framing everything in "how much can you afford to pay per month/what kind of monthly payment would you be comfortable with" instead of straight up outlining the loan/term/APR... felt somewhat predatory BUT if you do it correctly, and pay it off as quickly as possible it's not a terrible way to borrow money.
Application Easy and Decision Fast
I did not and still do not have a credit score that I would deem to be good. I applied to OneMain as a last hope to getting my life back on track. I was only expecting to be awarded less than $2,000 if approved at all. By the grace of God, I was approved for 4x's the amount I hoped to get! The process was fast and a representative takes you through all the steps. My approval and deposit was implemented in a 24-hour period. Take a chance with OneMain.
Secured?
Was this easy to get? What was your score when approved?
Hi Astronomics,
Thank you for taking the time to provide us with a review of your experience. We are pleased to hear that our team made your experience pleasant, and we look forward to seeing you again soon! Best wishes -JS
Expensive
The interest rate keeps going up when you refinance the loan. Most of the payment goes to pay for the interest initially. Takes a long time to pay off.
Hi WJJM,
Various factors come into play with our interest rates, from your income and credit score to your payment history. We do appreciate your feedback! Thank you for taking the time to share your experience. Best wishes -JS
They lost my car title.
They literally lost my colatteral documents, and they changed their business name so I couldn't get the state to re-issue me a title easily. worst financail services group I've ever dealt with.
Terrible rates!
Stay far away, HIGHWAY ROBBERY
Amazing customer service! Went above and beyond! She even stayed late until the decision came back on my loan!
Hi there,
Thank you for taking the time to provide us with a review of your experience. We are pleased to hear that our team made your experience pleasant, and we look forward to seeing you again soon! – LF
How long do it take to get the loan
Credit Solution
I have been really satisfied with Best hacker Credit Solution. His very helpful and my credit has drastically improved just like he said. No one would have believed my score could be raised in 7days after I contracted him. Even the chapter 7 on my report was removed including other negatives items. I now have a Vantage score of 789 and FICO score of 800. I would highly recommend BESTHACKER. Contact via besthacker0509 @ g m a i l . c o m
Who is Best Hacker Credit Solution? I thought this was supposed to be a review of your experience with a loan approval through OneMain Financial.
Nightmare. Don't they are crooks.
If you only pay the minimum you will pay for 30 years. They make it secured so they can rip you off some more. I took out a loan in 2001. Had to file bankruptcy and they still got a pay off of 8,000. I only borrowed 5000. Paid every month for years. When I was unemployed they never applied my unemployment insurance twice. Now it's my turn to sue them. Yet they still keep sending me pre approved offers. Run.
I would never get a loan through them
This is one of the biggest mistakes i made was getting a loan through one main. The APR is through the roof and you pay between 4-8$ per day so if you have a payment of say 350$ on a 10k loan well guess what you only paying 120-150$ per month to the balance and rest goes to them as interest so every month they make 200 or more on you dont do it stay way far away from this place lending club is a way better option than this scum of a place.
Upgrade is the same way.
All of these loans are pre-approved on my credit karma account and I just wanted to see what the reviews looked like. I will never be stupid enough to take a loan from any of these companys. Fuuuuuuuuuuuuck that. Thanks guys, for taking the risk and helping others see the truth but unfortunately there has been over 400 of you that took the **** in the ***. I'm sorry and I hope you make better decisions in the future. See ya.
Dont do it
Terrible loan service. Do not do it. Please listen to this warning. Please. Do not ruin your wallet or credit. The interest rate is stupid high and then a final "pay off amount" ontop of the loan. Dont do it to yourself.
NIGHTMARE COMPANY
Tiana & Josh were the WORST. I got approved for a high loan and Tiana my loan rep was super rude and changed my application to self employed which got my decision reversed from approved to not approved.