Loan $ 5,914.00 payed off in 5 months Total Paid $ 7035.24 Total interest and fees $ 1,121.24 Divided by, five months $ 224.26 yes, they lend me the money, but as you can see, it comes at a high cost the longer you take to pay off the the higher the read more

Kind of rude and based on the comments I dodged a major bullet. Like any sleazy sales team they'll be sweet and chipper and if things go bad its just mouth excrement slurry to get you off the phone. Rude, unprofessional, and untrustworthy. read more

One of the most unprofessional, rude experiences I've ever had! Horrible customer service and extremely rude personnel at the south Austin, Tx location. You will not get a set appointment, staff constantly make you feel as if they could care less about respect or being polite! Much better off getting a bank loan or credit card than dealing with this awful business. read more

okay so I am a person who is on top of her loan, I pay them 3xs in a month to bring down my interest rate and to pay them off quickly . I got my loan down to 873$ and inquired yesterday with rep Stephanie I want to pay my loan off , within the next 2 months . I look today my loan have been tampered with , saying I had return payments when my bank capital one confirmed they never returned no payments all my payments have been successful . talking about getting scammed I feel robbed never again . Yonkers branch . before doing business with people you cannot trust . I would pick up bottles , they 5cent for 1 . read more

OneMain Financial - Banks & Credit Unions Near Me - Santa Ana, California

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I spent time with John to get a secured loan approved. Aftermath calls, emails, etc. They declined me because their system doesn't speak to my companies payroll provider (paylocity). Waste of my very valuable time. ​ read more

Do not deal with this company when I applied for a personal loan with One Main Financial, they told me that if they pull credit report that it would be a soft credit pull. When checking my credit report they pull a hard report. Do do do business with this company. read more

After a painless and easy application process, two phone calls with an agent who seemed to understand his companies offerings, my needs as a client, and a formal application approval, I was given a verbal quote over the phone, with an agent named Alexander Salazar. He went by Alex. When he verbally quoted me, I said "that sounds like a good offer, can I get it in writing?"? He promptly said OneMain doesn't like to offer written quotes but that the offer was locked in through underwriting already, my income and bonus requirements were good, my credit score was good and he had no concerns. I said okay, let me call you back tomorrow after considering it. The next day, when I went to execute the offered quote, he came back saying I would only qualify for a loan 1/3 of the offer from less the 24 hours prior. One Main also lowered my credit score by 9 points in the process. While I don't expect the loan process to be something I overjoyed about, I do expect it to be honest and straightforward. This is a classic bait and switch offering, and on top of that, my credit score was lowered - and I don't have a loan I was looking to secure. read more

One Main focuses on subprime borrowers. They told me I had an unsecured loan then they wrote me & said I didn't. They got mad when I had to cancel an appointment at one of their branches. One Main focuses on secured loans. You will have to get a lien on car or something. I got a loan from Best Egg. Didn't need to go anywhere. Unsecured loan. If your Fico score is 600 or more Best Egg is a good option. Easy to work with. Follows up with you. read more

Writing in regards to the Ventura, California office on Main street. These guys are terrible. They setup time to talk, then they don't call. When I call to ask what's happening, they leave me on hold for an extended period, then have an attitude about it. Horrible customer service. When I asked for a manger, Randy comes on and is just as rude. No wonder the people working for him have the same bad attitude. read more

The scammed my bank they kept calling me deposited checks into my account it was crazy

Stay away! Bad customer service. The unsecured loan quickly changed into a secured loan which I did not apply for. They will hang up the phone on you in a second if your vehicle doesn't qualify. read more

Side note: after asking this question, while on credit karma i suddenly got banned from this offer & receiving all the fine print. (Algorithms) what a pain in the butt... I'm not interested in representative kindness or agents answering our calls.. That's their job. I'm interested in fees, hidden agendas, and the Bottom line. As lenders are in the business making money. If loan is paid off quickly, is there fine print we are meant to miss/overlook? read more

OneMain Financial - Past customer - Banks & Credit Unions Near Me - Santa Ana, California

I applied and was approved for a loan on 4/19 with first payment being processed 6-4. I wake up 5-4 to a negative balance of -300 dollars. The memorial office manager not only was condescending and lacked oversight, but refused to help. She will not respond to (no less than) 10 emails. Corporate (executive office of customer service) does not return calls. I emailed each branch surrounding with no help. I plan to sue for fraud and distress. read more

Truly, one of the worst customer service I've ever had and their branch is understaffed they do not work well with people in the military that have strict schedules and you're approved for online is not what you really get when you're talking to the customer representative read more

Website blows..transfers loan to a location a hour away instead of the one 10min away. Pre-approval amounts are a joke. I tried getting a fourth of what I was approved for and OH NO , We can't do that..the amount is too low" Just another greedyass company read more

Monterey Park branch: Never really had any issues with customer service until recently. Their "branch manager" Monica is so impersonal, rushed and honestly, a little rude. I applied for a second loan a while back and she belittled me. I called to pay toward my principle recently and she was horrible again! I could hardly understand her she was speaking so fast. I just don't appreciate her tone and demeaner when I speak to her. It's sad to give a one-star because of one employee, but she always makes it known that she's the "branch manager". Well a branch manager, of all employees, should be helpful and kind. When my loan is paid off, I will never use this branch again. read more

This business kept sending pre-approval letters so I decided to take advantage of APR rate to pay of credit cards. They wasted my time with massive amounts of calls and emails requesting verification of this and that. I finally said no more and asked if they can send and email where I can say I decline the loan but they said NO. I would get a denial letter. Even though I declined the loan. If you are not desperate please do not waste time or energy. Again all on me for even considering it lol. read more

This location in La Verne does not deserve any stars at all. They are worse than a used car salesman. Henry is a snake in the grass. He is painfully RUDE and UNTRUSTWORTY. I had 2 appointments with him , he failed to call at the scheduled times. He disrespected the fact that I was at work. He tried to bully me. He wouldn't respect what I was looking for and tried to put me in a loan that was worse than the loan I was trying to pay off. Credit Karma needs to dump this company. read more

One Main ran Hard Inquiries on me from THREE different Branches in THREE different states. I was informed by Credit Karma as these were not initiated by me. It was an attempt at Fraud in my name. When informed of this, One Main refuses to delete their false inquiries from my report. After 5 letters and 3 phone calls to each branch, One Main refuses to correct their mistakes. I would never use One Main as they do not care to correct their errors and they are completely unresponsive to customer concerns. They are an arrogant company with little concern for customers. read more

On Credit Karma I was recommended to use OneMain financial for my debt consolidation. I had a office in WA contact me saying I was approved for $11,500 and I just needed submit a few paper work, I was also using my car as collateral. The next day someone else called from the same office and once I confirm that I live in CA they said they had to transfer me to a office in CA. The lady called me from that office got some info and said she'll submit my app within 5 minutes she called saying I wasn't. read more

Loan sharks. High interest loans. I don't recommend them. Generally, their customer base are those who need emergency funding, and large banks do not offer personal loans. read more

I was in dire need of a loan to consolidate my credit. My credit cards came to 12,000 however none were delinquent. My credit score was 640. Due to my credit utilization being 32%. They would not give me a loan. Now they say that they help people who really need help and I was one of those people, clearly, I explained to them that I had a tenant not pay her rent for a year. I had incurred her rental expense and a lawyers fee but nothing made a difference. I was a very good candidate for a loan, and I could not get one. It took weeks for them to get back to me also during which I wasted valuable time. huge disappointment. No in fact they do give loans to low credit or not perfect circumstances read more

This company robs you BLIND with interest rates! Also a little sketchy. Staff is so/so, but not very helpful. I would not recommend.

Do not get a title loan. They do not offer hardship help if you fall behind on payments AND their interest rate is high AF. I've been paying on my loan faithfully for 2 years and I can't get a hardship assistance; they only offer 3 month deferments. While that does help, I need a long term solution. When I first got the loan, the loan officer did not go over any options AT ALL. He was too eager to give me the money. Even neglecting the fact that I wasn't the main title holder. I'm going to get a personal loan from my credit union at a 12% interest rate just to pay One Main back just so I can get my title back and be done with them; basically rob Peter to pay Paul. I need my title because I can't risk losing my car or getting a repo under my name. I should've went to my credit union for help in the first place. Do not get a title loan from these people; get a loan from your credit union is you have one , they have a small interest rate, there are also 2 other companies online that offer personal loans, Avant and Net Credit; or download apps on your phone to borrow small sums of money. If all else fails, get a side hustle like offering shared rides for cash, there are groups you can join on Facebook. read more

I was working with a loan associate in the San Antonio office. At first I was very skeptical becuase my credit is horrible due to a heart attack and job loss during Covid. The associate had me complete and upload a plethora of documents. He also went over my credit report negative item by negative item. After all this he said it would be no problem, I could use my vehicle to secure a $3,000 loan. He said I was approved pending verification of my income, which I know was no problem. I got all my documents prepared and emailed over to them, award letters, statements, photos of the car, the registration, etc, etc, etc, The loan assocaite also said once I upgraded my insurance from liability to full coverage and sent over the documents he can close the loan and disburse funds. So I borrowed money so I could cancel my current insurance and purchase a new full-coverage policy which I did. 45 minutes after getting them the final document needed to close the loan I was denied. I now have a problem, I have an insurance that I don't want and I'm out about $220 as a direct result of being told purchasing the full-coverage insurance with $1000 deductables was A MANDATORY PRE-REQUISITE and the loan could not be closed without it. When I call them their system recognizes my number and I get a recording stating my loan was denied. I want to ask someone why it was approved pening the insurance and now its denied. Bottom line, they are a bunch of crooks. read more

I was hoping I wouldn't have to give this rating, but I see no way around it. I was basically pre-approved online, and advised to schedule a phone call to go over details of my application; however, despite setting an appointment time for the next morning, they just decided to call me whenever it was convenient for them the next day (three hours earlier than I scheduled), so I couldn't even anticipate it. I tried calling them back later the same day, and got a voicemail. Then I decided to try one more time, and was advised I'd get a call back. It didn't happen. I went ahead and scheduled another appointment to see if that might work, and again didn't get a call. I called them and finally got someone who could help, but they ended up asking way more questions than I even knew to be prepared for prior to the call. I didn't get offered a loan because they said I didn't make enough money, but I wasn't even presented with an option for a lower loan amount, despite proof of income, excellent payment history, and car ownership (since they asked about it for some reason). I feel like lots of time could have been saved just giving them everything they wanted in the online application. I would've preferred an immediate denial. I don't plan to apply with them again. read more

They are not a good company to do business with. One issue is that they do not report the payments you make as they should. My credit reports show nothing past May 2023. When I disputed this, they updated June & July with "-". Here it is 6 months later, and they haven't updated anything. So now, Credit Karma comes up and tells me I missed a payment when I pay early every month. I'm tired of disputing them constantly because they can't do their job. On top of that they have super high rates around 25%. The person below who commented on their sales practices was 100% correct in what they said. In my case, I was sent an actual notice from them saying I was pre-approved to refinance my loan to get additional cash out. When I filled out additional information, the soft inquiry said I was approved. It literally gave me 8 or 10 offers to choose from. I selected the best offer for me. When I submitted it, a hard inquiry was done, and then they denied me and made my credit score drop. They are a terrible company. I would never do business with them again. I have managed to raise my score a lot on my own. I literally closed every single credit card I had, except for 2. Despite what financial experts tell you, that worked for me. I can't wait to be done with this place. read more

I got a loan to cover car repairs. I had trouble making a couple payments on time, and they called incessantly to see when I would make the payments. I get it - that's their job. But then they offered me additional loans if I need more money. WHY would I want ANOTHER loan when I'm having trouble paying this one?!? Now, they find it necessary to call me a week or so before each payment is due, "just as a reminder". I asked that they please don't do that anymore, and the woman got snippy and said "I'm just doing my job, do you want us to not call you at all?" Yes, please. I can't wait until this loan is paid off and I don't have to deal with One Main anymore. read more

Robo calls 8 to 10 times a day harassment to get a loan I don't care what they have no one needs to call that often and you can't block them for every number is cloned. I wouldn't get a loan from these people even if I wore dying of a rare disease and they could've my life saving treatment from a loan they offer. They aren't lessening I have called and gone on line I have talked to the managers but it's a robot call. I want to sue them because I get too many calls a day. One call a day is too many let a Lone up to 8 a day. Stop calling me and my household. STOP IT. read more

DON'T TAKE A LOAN FROM THIS PLACE!!! They are unable to separate my loan between my ex and I, yet they allowed her to make an agreement that affected me without my consent or knowledge! Now my credit has to suffer because my ex did not hold up her end of the agreement! read more

As a victim of identity theft, advised them by phone, and by snail mail not to accept any applications for loans or anything in my name. They still entertain fraudulent applications in my name, then want me to fill out a 6-page form with all my personal information. Rude on phone. Stay away from them. Very questionable. read more

Contacted OMF online and applied for a secured loan. I was using my car as collateral. My info was directed to the Huber Heights location on 2/22/22, Ohio. A representative, named Tina in that office was assigned my file. I spoke to her on 2/22, she verified my income, asked for employer ph#, etc. She asked why I wanted the loan and I explained to help pay for my daughter's college expenses. She told me that she would probably not likely get back to me until Monday 2/25 as the file had to go to underwriting. I heard nothing from Tina on Monday. I called on Tuesday and nothing had gone to underwriting as of Tuesday. Why??? Then I was going to drop by on Wednesday afternoon, but requested a Thursday morning meeting instead. I was told by the representative that I was approved for $2900. At no time was I told anything was "PENDING". I asked to come to the store on 4/28/22 morning. I brought my SSN Card and final paystub. and worked with the representative. I had already tried on 2 prior occasions with OMF and was denied. When Credit Karma showed that I had an "OUTSTANDING" chance of getting a secured loan, I applied. I had issues uploading my docs into the system, so I took them to the representative. I checked, only a few of the docs were uploaded. I visited the store and took paystubs, insurance, registration and, last two most recent paystubs, gov't ID. Still at no time have I been told that I am pending approval. Tina even mentioned language "close your loan". Well, I went in today, sat in the "LOAN CLOSING OFFICE" Tina looked at my current paystub and told me that I was denied now. I was completely baffled. Talk about the most humiliating feeling that I've ever had in my life. I actually spent over $300 that I needed for my rent, because I was under the assumption that my $2500 loan was approved. THIS SHOULD NEVER HAPPEN TO A CUSTOMER! How unprofessional is that? This was the most dehumanizing experience that I have ever encountered. This was the most systemic, covert way to not give me a loan. I explained to the manager, that no person collects a title for the car, calls an insurance company to add a lienholder, etc. for a loan that isn't approved. Although I spoke to the District Manager, Morell and he was very nice. I do feel that they are DATA MINING and selling people's information. There is no reason to collect someone's title to their car or say that you are calling their insurance company to be added as a lienholder, until someone is ACTUALLY APPROVED! This whole experience was just unprofessional on so many levels. DO NOT GO TO ONE MAIN FINANCIAL! These people have state of Ohio insurance licenses. There is an ethical way to conduct business with credit, insurance and financial matters. Although, I am told that discrimination isn't the reason I was denied. Systemic racism is ALWAYS a factor in BANKING and LENDING. My identity was stolen this year, so I do not give my information to anybody anymore. Had I know this was the outcome, they would've never got my title or social security card. MAYBE GOD JUST HELPED ME DODGE A BULLET! Take it from me, DO NOT DO BUSINESS WITH OMF!!! There are other companies that treat their customers with respect, dignity and understanding. read more

Excellent paying customer for 4 yrs gets declined by the very same company (The Tustin, CA Office) I've been a client for the past 4 yrs. Always made my payments on time and wanted to do a debt consolidation loan using the balance I already paid down. Thinking this would be a good and easy thing to do because I'm a current good paying client, it wasn't. This company flat out declined my loan because of their "MADE UP" underwriting guidelines. My pay history on my credit report is excellent and they still won't approve me for a $5000 loan even though I make over $220k a year and own a home. Is this how they treat all their customers or do they have unqualified people making bonehead decisions creating rules as they go along. I've been disrespected and will never do business with these people again. read more

Terrible company. Will lie to you with misunderstood words like secured $5,000 loan, and then when you go in you get denied because they were trying to give you an auto loan when you were only looking for like $1,500 just do a little debt consolidation. This company sucks for air. Just another get rich quick money give out company. Do not trust them whatsoever. They are leaches. Don't waste a hard inquiry like i did for this piece of crap company. read more

OneMain Financial - Cant wait to see this place empty from going out of business. Such a terrible waste of space. Such a terrible company. - Banks & Credit Unions Near Me - Santa Ana, California

do not, no matter how badly you need funds, do not take one from them ive paid off entire loan. $300 oer month they said its a four year loan, because i asked. so would be paid off 2024. this month my loan paperwork stated 2028! wtf; that would be paying over 100% interest. i'm reporting them to the atty.cgenerals office. they will slam them. they are the worst crooks on the planet. the worst. i am being forced to pay my loan ...twice!!!!!! we'll see. forget bbb, go through your atty generals office. and my rate was 23.5%. read more

One Main Financial continually runs "soft credit reports" even when asked not to. Someone has my information and keeps putting in for loans in my name. Most of these com have been very good at taking my name out of their system at my request because I should be able to be in charge of my own credit. One Main Financial has denied my request to stop running my information!! They told the BBB that they will run my information anytime it comes across their system. Really????? They really have guts to tell you they won't let you manage your own credit. I could care less if it's a "soft" inquiry or not, you are invading my personal privacy and my request for you to stop. I am going to file a complaint against this company on every platform I can to show people how dishonest they are and how they will not comply with a simple request. Stick it One Main Financial. I hope this happens to you. read more

Put in an application and was immediately hounded with calls. I called in to let them know I was no longer interested in their services and I'd like the calls to stop. The guy on the phone was super rude and pretty much hung up on me. I wouldn't recommend anyone utilize their services. read more

DO NOT TAKE OUT A LOAN FROM THIS COMPANY. I am trying to save you the distress that I am having right now. They will lie to you, make you feel like you are getting a good deal and basically take advantage of you. I thought I was getting an auto loan. I got a personal loan...they will tell you it is simple interest and will not really tell you the interest rate! Let me break it down. I pay $435 dollars in interest and 203 in principal! I am not even sure how that is legal. I made a mistake. I trusted this fraudulent company. Now I know. I am working with a credit union to help me get out of a terrible loan. Again, DO NOT TaKE OUT A LOAN with ONE MAIN FINANCIAL. This is worse than a payday or car title loan! I wish you all the best. I know how hard it can be to need a loan right away. read more

I researched online loans and OneMainFinancial popped up. I filled out a few brief questions and uploaded my most recent bank statements because I am retired. I noticed my car came up on their website as collateral for any loan. I was only requesting $10000. I received a notice that Ana would be calling me at 10 am on Monday, April 22, 2024. Ana called me at about 9 am instead. I was available and when she spoke she asked me what I would be using the money for if approved. I mentioned that I intend to move out of state. Ana dared to tell me that that might be a problem because they don't generally loan to consumers moving out of state because they would have to transfer the loan to the new state. First off, it is none of their business how a consumer uses the loan only that they qualify for it. Secondly, after asking me for all my personal identifying information, Ana refused to answer any of my calls or answer my emails. On Tuesday, April 23, I called and spoke with a representative (not Ana) and asked why they were asking for so much personal information when I didn't apply for a loan yet. This individual informed me that my request came from a third-party vendor (probably Lending Tree) and then continued to tell me to contact them if I had any questions. I said I was speaking to OneMainFinancial because (you/they) are requesting so much of my personal information. She then asked for my name and told me that I was turned down for a loan by their underwriters and would receive a letter explaining why in about seven days. I have a problem with that because if I apply for a credit card and get denied, I instantly get a notice of rejection and then later get a letter explaining why. So I was supposed to wait a week or later to get a response to my inquiries about getting a loan. I believe it had nothing to do with my income but the fact that I said I would be moving out of state because my car is worth way more than $10000. Further, when I was on the phone with Ana, she asked me if I was going through any debt consolidation services. I explained that I just recently completed one. She then decided to tell me that settling any debt would NOT improve my credit reports. I informed her that she was incorrect. Many of the debts on my credit report are debt buyers and are falling off because I never had any contracts and they cannot collect on any settlements with the original debtor because it is against the law. I don't think she liked that I had to correct her and that this is the reason why she no longer answered my calls/emails. DO YOURSELF A FAVOR AND FIND ANOTHER LENDER. THESE PEOPLE ARE BOGUS AND UNPROFESSIONAL! read more

I was in a bind and needed money quick. They're great for that. However, ONLY get what you NEED and not a penny more!!! Also, their website is THE ABSOLUTE WORST for accurately giving you, or even giving you the option to see, your pay off amount!!!! They quoted my payoff. I tried to pay it. They wouldn't take it, stating it was more than what I owed. I WILL NEVER LOAN THROUGH YOU AGAIN. Everett branch. read more