I applied for a loan with this company. I was told it was a secured loan which I understood. I have had secured loans in the past. I had a balance in my vehicle and I asked if they would be placing a lien on the vehicle and the representative stated that I had to finance the car thru them. I asked why. She claimed they were not allowed to put a lien on the vehicle, but was unable to give a valid reason why. I asked if I would be able to pay the vehicle off so that I could get a new vehicle if I chose to. She said yes. I called about 6 months into the loan spoke with a representative who told me that I could pay off the vehicle so that I could get another car and that I would just be responsible for the remaining balance. About 2 weeks ago I called and got the pay off quote for my vehicle. The representative gave me the number of days it was good for and told me that I would have no issues paying the car off in order to get another one. I get to the dealership to find out that One Main refinanced my car for 13,000.00. So now my credit report shows I have a 13,000 car loan which is not true. I tried speaking with the branch manager who was VERY unprofessional and told me that I was lying about being told I could pay off the balance of the vehicle. No one on their right mind would refinance a car they only owed 5 grand on for 13,000.00. This company is dishonest. Take a lawyer with you if you decide to get a loan with One Main. read more