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OneMain Financial Review
Reviews 48,571
OneMain Financial
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OneMain Financial
OneMain Financial
Excellent
Reviews 48,571
Sarah Pritzker
Aug. 25, 2021
2 min read
Sarah Pritzker
OneMain Financial summary
OneMain Financial is a leading service provider in the personal loans industry. It offers a range of personal financial loans and is known for providing loans to non-prime customers. The company prides itself on its simple application process and quick provision of service. OneMain Financial ensures customers have easy access to a customer service representative to make informed and financially secure decisions.
Pros
  • Offers fixed rates and fixed payments
  • Over 1500 locations in 44 states
  • Long-term loans available
Cons
  • An origination fee may be charged
  • High APR compared to companies offering similar service
  • Additional fees, such as late payment, may be charged

OneMain Financial at a glance

4.4
Editorial score

Online experience

Good online resources, but no access to rates
4.0

Customer services and support

Multiple ways of reaching lender but limited hours
4.0

Loan Types

Offers all loan types
5.0

Repayment Flexibility

Offers multiple repayment plans- but no special repayment programs
4.0

Eligibility (credit score)

Accepts all credit types
5.0

OneMain Financial OneMain Financial View Rates

Suitable For?

OneMain Financial is a direct lender with over 1,500 locations nationwide to serve its customers. Covering a wide variety of personal loan specialties, OneMain Financial also offers auto loans, auto refinancing loans and auto repair loans. Taking into account the interest rates offered (18.00%-35.99%) and the variable repayment terms, ranging from 24-60 months, customers can customize their loan to fit their needs. That being said, OneMain Financial is recommended for borrowers that need non-prime credit products. 

Features

OneMain Financial aims to assist its customers with securing financial stability and does away with the need to rely on car-dealership loans. As well as offering quick and simple loans, the company makes resources such as financially informative articles available. It also offers a free application to check if the customer prequalifies. Included in the company's perks and benefits are highlights such as:

  • A network of branches throughout the US
  • Quick turnaround on loan application
  • Fixed payments and fixed interest rates
  • Allows joint applicants

Application Process

OneMain Financial's application process is simple and easy. Prospective borrowers fill out an online application form, or the application can be handled via phone or by visiting a branch office. The form involves providing basic personal, employment, and financial information. In order to complete the initial application, the customer needs to provide a copy of a government-issued ID, their proof of income, and proof of residence. Additional items may be requested, depending on the individual circumstances of the customer. The application is then processed.

If the initial application is approved, the borrower will be contacted by a local specialist to schedule an in-person appointment at a local branch. The borrower is generally required to come to the branch in order to verify the information provided and finalize the process. Where no local branch is accessible, the company is willing to accommodate the customer.

Loan Types and Terms

OneMain Financial offers personal loans for debt consolidation, life events, recreation, home projects, and auto loans. The auto loans provided include auto refinance, auto repair, car purchase, and cash-out refinance loans. The company uses the vehicle in purchase loans as collateral.

  • The range of loan amounts is $1,500-$20,000
  • APRs from 18.00%-35.99%
  • Loan terms ranging between 24-60 months 
  • Origination fee may be charged 
  • The company may charge additional late or governmental fees

Repayment Options

The loan term options can vary, with a difference of 12 months between each option. The minimum term offered is 24 months, and the maximum is 60 months. Late fees will be charged for late payments, which can range from a flat amount to a percentage of the customer's monthly payment.

How Safe Is It? 

With your personal information, safety is always a priority. OneMain Financial utilizes several security measures when handling your personal information including third party verification software and secure safeguards to protect your interests. More on OneMain Financial’s privacy policies can be found here

Help & Support 

Customer support can be reached via the company’s website or via telephone at (800) 742-5465 for general account support. This line is available from Monday through Friday between 7:00 AM and 7:00 PM CST.

Summary

OneMain Financial is a veteran of the industry, with over 100 years of experience providing loans to customers. Its exemplary customer service ensures a quick turnaround, and the application process is easy and manageable.

OneMain Financial OneMain Financial View Rates


Physical Address

OneMain Holdings, Inc.

601 NW. Second Street

Evansville, IN 47708-1013

Disclaimers:

*Example Loan: If you borrowed $6,000 with a 24.99% APR and 60-month term, your payments would be $176.07 per month. This example is based on an average customer with good credit.

Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

Sarah Pritzker
Written by
Sarah Pritzker
Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about OneMain Financial
OneMain Financial
Excellent
Reviews 48,571
on
Excellent
88%
Great
6%
Average
1%
Poor
1%
Bad
4%
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moorish american
3 hours ago
Professional and friendly
Professional and friendly
R
robert johnson
5 hours ago
Very knowledgeable and fast process.
Very knowledgeable and fast process.
S
sharon jackson
5 hours ago
Great customer service
Timeliness and very efficient service
S
sala mua
5 hours ago
I had a great experience with OneMain…in Spanaway
I had a great experience with OneMain in Spanaway with my loan. Customer Service was phenomenal, helpful, friendly with proficiency. My request for a loan was approved at the same day. Thank you OneMain, this was the same experience I had in the past with your Office in Northgate. God bless you all!
A
arthur miller
9 hours ago
Staff are awesome
Staff are awesome. Very friendly here in Dothan. I will always recommend friends to One Main Northside.
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robin cole
11 hours ago
One Main is extremely easy to deal…
One Main is extremely easy to deal with. Only a few simple screen shots and photos were required to process a loan. The documents were easy to e sign with a representative walking me through the process over the phone . My loan was complete and funded in less than 2 days.
C
cameron curtis
12 hours ago
Quick
Quick, concise and well explained...seamless transaction
J
joseph shelton
12 hours ago
fast and speedy service
fast and speedy service. friendly staff
J
joanne riley
12 hours ago
very supportive and helpful with easing…
very supportive and helpful with easing a tough time for me from Gracie and male worker at the office
C
clinton coleman
13 hours ago
Respect
Respect and they worked very hard to make it happen for me. It was A very easy process. And could help people that aren't very technical savvy good experience all around.
M
mark holton
13 hours ago
Countable company
Very professional and communicative. I recommend this company to anyone who need of assistance. They are great in helping people out…!
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kim
13 hours ago
Unprofessional stay away from this company at all cost
The most unprofessional company I have ever had the displeasure to try and do business with. Every day it was something different when I spoke with them. They kept on changing the rules of the game. First we were approved for a loan. Everything was going well we were all the way to E sign, then their computers were having technical difficulty so we were to call back the next day and get it finished. I called back and they never return my call. I called back on Monday, and all the sudden we needed to be reapproved, because they keyed in the wrong SSI number for my husband. Then they redid the paperwork and wanted us to get more money at a higher interest rate. Also wanted us to put our truck up to secure the loan. A 40,000 truck for an $8,000 loan. We were going to do it because we needed the money to pay for damages done to our home due to straight line winds and tornadoes in the area. We needed the money to cover the deductible. Everyday it was like they were asking for different stuff. Trying to get us to borrow more money. Corporate sent us to a local office in McDoungh, Georgia.. the first woman in charge of our loan seem to be nice and on the up and up. Another lady took over her place with the loan. She started asking a bunch of questions out of the blue to verify our identity because their computer systems were down again. She was very rude about these questions. Asked my husband did he ever work a real job. Told us we needed to bring in even more information. We called corporate and they tried to get us to borrow even more money. Which we didn’t want. My husband and I thought they were unprofessional and scammy. So we changed our minds. He went to the office and the loan officer who we spoke with on the phone, was mumbling negative remarks about my husband. This even isn’t even all of it. Just the cliff notes. Stay far away from this company.
A
angela cole
14 hours ago
Quick and easy transaction
Chloe was so nice and helpful. Very quick and easy transaction.
J
jacob felder
15 hours ago
Morgan is always a pleasure to deal…
Morgan is always a pleasure to deal with in Hendersonville, NC.
P
patricia boyer
15 hours ago
Anna was very helpful went beyond to…
Anna was very helpful went beyond to help
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social buttafly
15 hours ago
Approved on the pre-qualified app
Approved on the pre-qualified app, also approved with my documents I sent in and etc. Only after receiving me and the co borrower photo ID's seeing the color of our skin, gave us the run around for 3 days to say we're not approved. Shame on you racists pieces of crap don't ever send me nothing else in the mail! Never ever again!
A
anthony r kolp
16 hours ago
I was treated very well by Mike
I was treated very well by Mike
R
raymundo villanueva
16 hours ago
The whole process was great and smooth…
The whole process was great and smooth 👍👍👍👍👍
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josh
17 hours ago
The application process was extremely easy!
The application process was extremely easy. After application, a representative contacted me the same day to explain the next steps. I had to submit some documents like pay stubs, tax forms, and photo ID, on the site, which was very easy to do. Once these documents were reviewed, the representative reached back out within a day to complete the application and give me some financing and payment options. I have done business with OneMain before, and the customer service was prompt and professional each time. At the end of the process, the representative walked me through all of the terms and conditions while answering any questions that I had. Most importantly to me, I did not feel judged during any interaction with any representative of OneMain. Funding came through within two hours of agreeing to the terms and conditions of the loan. Payments come out automatically every month, so I don't even have to remember to schedule them. It is also nice to know that I can pay off this loan early without any significant fees or penalties.
R
rosa bowman
17 hours ago
THE LOAN OFFICER WAS VERY NICE AND KEEP…
THE LOAN OFFICER WAS VERY NICE AND KEEP IN CONTACT WITH ME
J
janice morris
19 hours ago
Angel in Rockford is great to work with
Angel in Rockford is great to work with
R
ralph currier jr
20 hours ago
Friendly and very helpful.
Friendly and very helpful.
J
janice harris
20 hours ago
Jackie was friendly and took time to…
Jackie was friendly and took time to explain all the details about the loan.
S
sam bonanno
20 hours ago
Very satisfied with the professional…
Very satisfied with the professional way the process was handled. All was very well explained except for one item. During the final process a number of "Add On's" were offered. If one or more were chosen, cost was added to the loan with a increase in the monthly payment. After finalization of the loan and add on is cancelled a refund is given by the 3rd party but the increase in monthly cannot be removed. This was not explained during the process.
E
efcel
21 hours ago
5 star
Fast, reliable, and great customer service.
M
melissa
21 hours ago
Amazing Experience ❤️
My loan specialist was so professional and nice. The process was smooth and easy. Highly recommend
G
george carrillo jr
21 hours ago
Awesome!!
Awesome!!! Vicki is the best. Very patient with me and went above and beyond to help fix my major problems.
D
david jones
a day ago
Jenny was fantastic
Jenny was fantastic! Loved dealing with her!
R
rex wooddell
a day ago
Staff was knowledgeable
Staff was knowledgeable, helpful, and kind, I was very happy they had a solution to my problem.
C
cecilia
a day ago
Vernisha was the best!
Vernisha was the best!
P
pearl peets
a day ago
My experience was informative and very…
My experience was informative and very professionally done.Thank you so much. I think the date of my experience was about one and a half to two weeks ago .
M
maureen daly
a day ago
assessment of loan referral
great people, very professional
A
anthony morris
a day ago
never thought I would get a lone
never thought I would get a lone, but it started with a secure loan and then I got approved for an unsecure loan in less than a year with making my payments on time every month.
S
sianila champagne vejar
a day ago
Your guy was great and fast to give me…
Your guy was great and fast to give me the loan, and the lady who assisted me was very nice to us, and she explained everything to us. Thank you.
V
vickie kerns
a day ago
One Main was very helpful a got me my…
One Main was very helpful a got me my lone very fast a the people at the One z main in Wheeling WV office was terrific!!Thankyou very much
C
carolyn garcia
a day ago
Attention to my application and making…
Attention to my application and making sure I was notified about things she was doing . She also apologized for the time it was taking . Which did not bother me. She had a great attitude made me feel comfortable.
D
d. tucker
a day ago
Exceptional service and understanding
Everyone was knowledgeable and they(Daniel) and others; took the time to walk me through the process.
A
amy pomeroy
a day ago
Pleasant Experience
Jason was so easy to talk to and made me feel like I mattered!!!
L
larry haywood
a day ago
The Friendly Crew at One Main Financial
My associate was very friendly and helpful. She explained every page of my contact thoroughly. She answered my questions so that I understood all the steps. I would definitely recommend One Main Financial to my family and friends.
S
sergio jimenez duenas
a day ago
Fast service
fast, the people that work there very professional
D
denise mccormack
a day ago
Kathryn was amazing at getting the loan…
Kathryn was amazing at getting the loan amount I needed to get myself in a better financial place.
L
lisa
a day ago
My loan officer couldn’t have helped me…
My loan officer couldn’t have helped me more!! What a great experience borrowing money. Highly recommend!!
W
willie ransom
a day ago
Staff was Very professional.
My experience with OneMain finance were great due to the great staff they have at the Midlothian branch.
W
wendy miller
a day ago
This was the easiest loan process
This was the easiest loan process. I was walked though everything…
G
gladys
a day ago
Very nice people good experience made…
Very nice people good experience made you feel welcome and appreciated your time and business
E
emily jennings
a day ago
10/10 Experience
Lindsay Thorn in the Paducah, KY office made my experience incredibly smooth and overall amazing. She really showed that she cares to take care of me as a customer - not to mention how fast I received the loan was amazing. I let her know it was my first time doing something huge like this by myself and she did a great job making me feel comfortable. I have already recommended y’all to friends!
W
wilberto ramos
a day ago
Loan
Excellent, very helpful and easy
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tanya dubuque
a day ago
I borrowed $7,700 will be paying back over $13,000!
I borrowed $7,700 over a year and half ago. I’ve made $233. Payments on time and even paid 2 payments several months only for my balance to decrease to $6,900. They are so wrong for this! I’ll be paying back over $13,000 if I’m not able to get this refinanced. This is so wrong!
P
patrick pulliam
a day ago
Once I completed the application…
Once I completed the application OneMain took over doing the hard work. They were quick, effecient and super friendly to work with. They will be my go to from now on.
L
lisa podhyski
a day ago
Barb at the Clark’s summit pa office is…
Barb at the Clark’s summit pa office is the greatest woman !!! She helps me so much every time. She definitely needs a big huge ty from management and a raise !!!!
S
shaynie
a day ago
It was a very pleasant experience
It was a very pleasant experience. I wasn't judged for needing to consolidate bills. I was called within 20 minutes of my online application. The two people that helped me were knowledgeable, kind,considerate and accommodating.
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george foster
a day ago
I requested a loan n representative PJ…
I requested a loan n representative PJ was a thoughrough professional in taking care of my loan. The other ladies collectively with PJ exemplify a well organized Unit to assist a customer.
T
tony womack
2 days ago
Outstanding customer service and support
Outstanding customer service and support
J
johnny brown
a day ago
She's a great rep.for your company you can only hope you get her to take care of your loan
Your rep Sharon was very helpful, she went to the very end to help me get this loan. I'm truly grateful for her service
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champ atari
2 days ago
Very Very good
One main number 1 in all the world.
T
traveler azure jamaldeen
2 days ago
Awesome
They customers oriented, and approaches you with good communication skills and working ethics.
D
dennis reed
2 days ago
Loan
personnel was awesome
J
jeffrey scott taylor
2 days ago
Incredibly easy
Incredibly easy
M
marie washington
2 days ago
Love how quick and fast the process was
Love how quick and fast the process was
D
daniel d.
2 days ago
OneMain for any loan needs!
This is my second experience with OneMain financial. The process was great. Ashley was fantastic, very informative, and it was an overall great experience!
J
james compton
2 days ago
Larnette from the South Park Meadows…
Larnette from the South Park Meadows office is the bomb. She is very knowledgeable, professional and a pleasure to talk to.
E
erin mcgarvey
2 days ago
My rep was Nicole and she was an…
My rep was Nicole and she was an absolute delight to deal with and she was very quick and efficient with getting things done! Thank you
W
wanda barbee
2 days ago
It was a very professional
It was a very professional, courteous experience. I have dealt with One Main for years and I have never had a bad experience.
c
customer
2 days ago
Brad was awesome
Brad was awesome! Helped out every step of the way.
M
mark lindo
2 days ago
Great customer service and a positive…
Great customer service and a positive experience
M
marcela butts
2 days ago
Very friendly
Very friendly, courteous and proffesional. Answered all my questions and went above and beyond to make sure I understood everything.
E
elizabeth andrews hess
2 days ago
Anna was very professional
Anna was very professional, and very good to work with. I enjoyed working with her on my loan.
c
customer
2 days ago
Great job Anna!
Working with Anna through the loan process was great. She kept me informed every step of the way. When we had a small I issue she was patient and dedicated to get the process complete. Thank you Anna for being so thoughtful and helpful.. You're the Best!!
K
kristy mccord
2 days ago
ONLINE USER FRIENDLY
ONLINE USER FRIENDLY. CUSTOMER SERVICE - Brittnee Flores . . EXCELLENT!
B
brenda j
2 days ago
Very caring and helpful customer service
Very caring and helpful customer service
M
min uh
2 days ago
Very kind a fast
Very kind a fast
J
judy johnson
2 days ago
They are always really nice and very…
They are always really nice and very organized; didnt take me 15mins to complete the documents and was on my way
R
ronald tivis
2 days ago
The experience was very nice The…
The experience was very nice The representative walked me through all the things I needed to know about the process and what was gonna take place I wanna say thank you very much for that I appreciate it and I'm satisfied
M
maria torres
2 days ago
The website made it easy to complete…
The website made it easy to complete the application
T
tylee powell tapolokembo
2 days ago
This was my second loan with the…
This was my second loan with the company and I wanted a loan of $5000. The loan was to pay off all of my credit cards to build my credit score. I do understand about how this works as far as getting a loan. So I wanted the loan and I could only get $1500. The loan could have been paid back faster if I could have paid off my credit cards. I have never missed a payment and I feel if I am a returner customer, I should have gotten what I needed. I do appreciate the help that you have given me. Thank you
A
albert cabrera jr
2 days ago
They try very hard to be as helpful as…
They try very hard to be as helpful as possible with the applying process and go that extra mile until the customer is approved and satisfied
S
stepheninfl
2 days ago
Thankful
With my current number and amount of loans coupled with my FICA score I was surprised but very appreciative of this loan!
D
david mcgovern jr
2 days ago
Everything went smooth
Everything went smooth. Tom did a great job
H
hyacinth hutchinson
2 days ago
Ladyjoy
My experience was the best with one maine
T
tiffany rigney
2 days ago
Fast
Fast, friendly help when I needed it!
K
katrissa fisher
2 days ago
Kim was extremely pleasant to work…
Kim was extremely pleasant to work with. She explained the process and kept me updated.
T
terri harris
2 days ago
Very professional and nice on phone…
Very professional and nice on phone calls.
M
michelle watson
2 days ago
The representative Cindy
The representative Cindy, guided me through application and step by step process. Cindy exhibited patience's and kindness through the process.
J
jaime hodson
2 days ago
Brittney was keeping me informed on…
Brittney was keeping me informed on every step of the way. She made it and exceeded my expectations. 5 stars for Britney in the Longview Texas office!
S
sharita davis campbell
2 days ago
Thank you so kindly for the chance to…
Thank you so kindly for the chance to build my credit score
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titus williams
2 days ago
Danielle really helped me through the…
Danielle really helped me through the process and made applying for my first personal loan as stress-free and clear to understand as possible! She's great!
V
vicki russell
2 days ago
Everything about OneMain was awesome…
Everything about OneMain was awesome from start to finish to hassle what so ever easy peasy the associate that helped us was amazing. Will definitely use you again. Thank you so very much.Vicki Russet
R
renae byerly
2 days ago
The staff are wonderful and easy to…
The staff are wonderful and easy to deal with.
S
stacy williams
2 days ago
Welcoming experience
The employees are very friendly and want to make sure everyone feels like they are the only people there. It is very welcoming!
S
scott caverly
2 days ago
A very nice job done by all...
Jennifer was very thorough, explained everything perfectly. Went quicker than expected. Money was in our account direct deposit within minutes of us leaving the loan closing.
D
derrick w.
2 days ago
My Second OneMain Experience!
This was my second time going to OneMain. I love the staff, I love the atmosphere, & I love how much they care about their customers. I will only go to the OneMain in Hiram, GA. for my money.
P
paul franklin
2 days ago
Great Experience!!
I had my loan approved and deposited in my checking account. Vicky was great as always to work with!!!
G
glenn staubs
2 days ago
I was very pleased with the outcome and…
I was very pleased with the outcome and the ease with how long it took !!! The staff there is very pleasant and efficient. I’m recommending this organization to my family and friends!!!
K
karen cochran
2 days ago
Wonderful people to work with
Wonderful people to work with! Kim was top notch! Caring and helpful! Good communication. Easy to work with!
T
teresa carnes
2 days ago
Very helpful
Christie was very good at helping me. She made it very clear of what I needed to do.
D
deborah raines
2 days ago
Super nice people
Super nice people, stayed study to get us out quickly noexplain everything to me!!
J
jo ann ingalls
2 days ago
Katie was professional and courteous
Katie was professional and courteous. I was in and out in a record amount of time.
D
donald
2 days ago
Loan
Very nice loan specialist.
P
paula monford
2 days ago
Great customer service and very…
Great customer service and very friendly staff!
S
stephen crow
2 days ago
Always helpful and friendly.
Always helpful and friendly.