OneMain Financial Reviews 76,467

TrustScore 4.5 out of 5

4.7

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their knowledge, professionalism, and friendly demeanor. Consumers appreciate the clear explanations provided throughout the loan process, with many highlighting the patience and willingness of staff members to address their concerns. People often mention feeling at ease and comfortable, thanks to the caring and compassionate service they receive. The service provided is frequently described as excellent, efficient, and seamless. Reviewers appreciate the user-friendly experience, noting that the application process is simple and straightforward. Consumers find the staff to be supportive and helpful, guiding them through each step with expertise. However, opinions on payment experiences are mixed, indicating a lack of consensus among reviewers.

Based on these reviews

Rated 5 out of 5 stars

Amy at the garrisonville Virginia office is so amazing helpful and easy to work with she walks everyone thrue each step of the loan prosses..we are so grateful 🙏 and happy with her and assistance in... See more

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Rated 5 out of 5 stars

EXCELLENT Service Star was very KNOWLEDGEABLE & PROFESSIONAL! She proved to be trustworthy. EVERYTHING she stated when she called was how the experience turned out. Most financial agencies do a "BAIT... See more

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Rated 5 out of 5 stars

Laysha at the Progress Dr location is Amazing, she is very knowledgeable and patient. She treated me kind and explained everything very thoroughly throughout the entire process. Made me feel at eas... See more

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Rated 5 out of 5 stars

I have to say that there is no words to describe the caring, helpfulness, understanding, and sincere compassion for which Stacey at One Main Financial has shown to me and my family. She truly has wor... See more

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Rated 4 out of 5 stars

The process can move quick if personnel will let customers know documents needed can be accessed through government portals and bank portals.. This will ma in e the process move quickly and smoothly..... See more

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Rated 5 out of 5 stars

The staff was commendable. They were kind, efficient, pleasant and patient. Staff knew the service and walked me through it without hesitation. The process was simple and y funds were available with... See more

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Rated 5 out of 5 stars

Two times working with OneMain Financial and I’ve had great support each time. The team is professional, patient, and helped me understand everything clearly. I feel comfortable doing business with th... See more

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Rated 5 out of 5 stars

Mr Richard and his staff are the consumate professionals. They are friendly, courteous and exceptionally well trained. In addition, they are well groomed. I often visit businesses and I am amazed at... See more

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Rated 5 out of 5 stars

Agent was timely, friendly, knowlegeable. Thorough explanations to my questions. Made the loan process non threatening. Office was clean, well lit, staff attentive, welcoming. I felt so reli... See more

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Rated 5 out of 5 stars

Working nights, One Main Financial made the application submission seamless. I was able to hear back from my spouse that approval was received in our email within a few hours, then money deposited... See more

Rated 5 out of 5 stars

Angela made my experience very comfortable and easy. She is easy to talk to and made the process easy, explaining each part of the process to me without sounding condescending. The questions she n... See more

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Rated 5 out of 5 stars

Logan went above and beyond, to get my loan approved! His confidence in my integrity, has persuaded One Main Financial, to "Seal The Deal!" Thank you Logan, and One Main, for your trust in me! My l... See more

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Rated 5 out of 5 stars

Agents are very friendly, polite, explained everything in the contract. Applied in the morning, received welcome phone call within two hrs, and signed the paperwork that afternoon. The office has a... See more

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Rated 5 out of 5 stars

Dorothy truly made the experience seamless. I appreciated the relationship she built with me. Dorothy went above and beyond in managing my loan. The rate was better than everyone else as well! The who... See more

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Rated 5 out of 5 stars

Torrie Little made my experience very pleasant, she listen, she took her time and explained everything. She did not pressure me into anything. Her smile and personality is very contagious. She gen... See more

Rated 5 out of 5 stars

As always Terri Swift always made us feel as if we are family and she is genuinely looking out for our best interest. I do not want to talk to anyone else when I need help from One Main Financial. Tha... See more

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Rated 5 out of 5 stars

My past experiences with OneMain is what prompted me to pursue reaching out when my need arose. As usual, you all were welcoming, accommodating, and worked hard to provide what was needed with reason... See more

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Rated 1 out of 5 stars

Used the website to get a short term loan. I am careful with my credit as not to ding it unnecessarily. Their website said after reviewing my file that they can give me a loan amount greater than wha... See more

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Rated 5 out of 5 stars

The loan officer Hazel Moore at the Cape May Court House One Main Office exudes professional excellence and confidence she explains the process and your options thoroughly, clearly and with patience.... See more

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Rated 2 out of 5 stars

New staff as expected learning. The disappointment really came when I told the training “seasoned” person my bank wouldn’t except a wire transfer this resulted in me having to go back the next day wis... See more

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Rated 1 out of 5 stars

Liar's, FULL OF SHIT COMPANY; They lie, once they get you they screw you with higher interest rate. NOTICE THEIR RESPONSES ARE AI GENERATED NO HUMAN CONNECTION!!!!!!!! THEY STILL HAVE MY CAR TITLE, c... See more

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Rated 1 out of 5 stars

I had the unfortunate luck of getting Nathan to assist with this loan process. Not only did he drag his feet he made numerous mistakes that cost me and gave me wrong information from the start. I don’... See more

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Rated 1 out of 5 stars

This is not a loan service, but a payday loan service, they only seem to accept people living paycheck to paycheck, they want their consumers to be people that will literally get paid and then need a... See more

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Rated 1 out of 5 stars

Bait-and-Switch Tactics: Will say you're approved with online application, just to later call and tell you that you have to add collateral like vehicles, boats, etc. with high APR (35%). If you don't... See more

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Rated 1 out of 5 stars

ONEMAIN FONANCIAL DON'T TELL YOU THAT YOU ARE APPROVED ACCORDING TO THE WAY THEY FEEL OR THE STOCK MARKET SAYS AFTER JANUARY 1, 2026 BECAUSE THEY TOLD ME I WAS APPROVED SO THAT MY CREDIT SCORE WAS BE... See more

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Rated 1 out of 5 stars

Charlotte location- W T Harris blvd Had to report a disrespectful employee named Renee that was not honest about qualifications. She also is just miserable and looks for reasons to deny you and is... See more

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Rated 1 out of 5 stars

I am a customer at the branches in Washington state; however, recently I have not been able to get in contact with anyone. I have called multiple branches, sent numerous emails, and even sent requests... See more

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Rated 1 out of 5 stars

STAY AWAY. OneMain Financial is an absolute nightmare to deal with. They’ll tell you your approval odds are outstanding, ask for an endless list of documents, make it seem like you’re “almost there”…... See more

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Rated 2 out of 5 stars

Easy to apply online. Received several text and emails stating my loan was approved to contact the office in Olympia, wa. Called six times with no response. When I did get through I told them I was no... See more

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Rated 1 out of 5 stars

Received multiple emails and text messages stating approval status and that we just needed to finalize, only to be told last minute “sorry, no go.” Don’t tell people they are approved, repeatedly, o... See more

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Rated 1 out of 5 stars

Unless you are desperate do not consolidate with them! Yes they approve fast and make it easy, and then you have to add a vehicle and then the loan is secured and you cannot refinance. You will end up... See more

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Rated 1 out of 5 stars

TERRIBLE EXPERIENCE !!! STAY AWAY FROM THIS SHARK LOANS OPERATION FROM 18% TO 36%!!!!! We never apply just asked over the phone and the lady on the phone from the Newhall Ca office was rude and un... See more

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Rated 4 out of 5 stars

I needed a loan because I had to pay for some things immediately. I was denied by several other loan companies, but accepted here. The biggest con, however, is the absurd 26% interest rate. It's near... See more

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Rated 5 out of 5 stars

Your Steubenville Ohio location staff especially Christine is amazing. They are all so very respectful and understanding. This past year has been very tough and they have helped me so much financiall... See more

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Rated 1 out of 5 stars

My husband recently passed away and had a loan with OMF and used his car as collateral and no one will provide me with any information on this loan. I submitted a copy of his death certificate, but st... See more

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Rated 5 out of 5 stars

I would like to recognize Vicki Brinkley from One Main Financial located in Williamsburg Virginia. With the ice our roof needed repairs and she did everything with great efficiency. She explained ou... See more

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Rated 5 out of 5 stars

After having many calls to get assistance with, Sean May #7117062 has been the most knowledgeable, honest and helpful agent we ever spoke to in this company ! He provided options to help in our circu... See more

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Rated 2 out of 5 stars

On the first automatic payment …they took TWO which completely threw off my checking account !!! Instead of apologizing and hurriedly correcting the situation…they blamed it on me!! Basically sayi... See more

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Rated 5 out of 5 stars

The staff at the Waynesboro office put in yeoman's work to get my emergency loan submitted and approved as quick as possible. They worked with me step by step to expedite the process and to make sure... See more

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Rated 5 out of 5 stars

Presently Surprised. Kiya, in the Bowie office was very responsive and instrumental is getting my loan approved and processed. Her follow through was impeccable. I will definitely use OneMain (Kiya)... See more

Company replied


Company details

  1. Non-Bank Financial Service
  2. Car Finance and Loan Company
  3. Financial Institution
  4. Loan Agency

About OneMain Financial

Written by the company


We look beyond your credit score to offer affordable loans.

$1,500 - $20,0002

Personal and Auto Loans

CHECK FOR OFFERS

Prequalified offers in minutes. Checking won't hurt your credit score.

Why so many people choose OneMain

  • Money as fast as 1 hour after loan closing3
  • Affordable, transparent loans
  • Fixed interest rate
  • Fixed monthly payments
  • No prepayment fees
  • 7-day Satisfaction Promise4

FIND YOUR BRANCH

Money for big and small needs

  • Household bills
  • Debt consolidation
  • Home and auto repair
  • Medical expenses
  • Vacation
  • Wedding
  • Almost anything you need 5


1 Real customer compensated for their time.

2 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. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

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

Borrowers in these states are subject to these maximum loan sizes: North Carolina: $11,000 for unsecured loans to all customers, $11,000 for secured loans to present customers. Maine: $7,000. Mississippi: $12,000. West Virginia: $13,500. Loans to purchase a motor vehicle or powersports equipment from select Maine, Mississippi, and North Carolina dealerships are not subject to these maximum loan sizes.

3 Funds within an hour after loan closing must be accessed by using a bank-issued debit card and are disbursed through the SpeedFunds® debit card network. Funds may also be disbursed by electronic deposit to the borrower’s bank account through the ACH network and available approximately 1 to 2 business days after closing or disbursed by check. SpeedFunds® is a registered trademark of OneMain Financial Holdings, LLC.

4All loan funds paid at closing to customer or paid on customer’s behalf (except any fees paid for lien placement) must be returned to OneMain Financial by debit card, certified check, cashier’s check, money order, or uncashed original OneMain Financial loan check within 7 calendar days after the Date at the top of the Loan Agreement. Personal checks cannot be accepted. Any OneMain Financial loan(s) paid off with proceeds of the canceled loan will be reinstated. If you financed the purchase of insurance or other optional products at the time of the loan, you have the option to cancel or keep your noncredit insurance product or membership plan. If you choose to retain these products, you will need to pay for the purchase. Any credit insurance products you purchased will be canceled with the loan.

5Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB's Regulation Z such as college, university or vocational expenses; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

OneMain Financial Group, LLC (NMLS# 1339418) – CA: Loans made or arranged pursuant to Department of Financial Protection and Innovation California Finance Lenders License. PA: Licensed by the Pennsylvania Department of Banking and Securities. VA: Licensed by the Virginia State Corporation Commission - License Number CFI-156. OneMain Mortgage Services, Inc. (NMLS# 931153) – NY: Registered New York Mortgage Loan Servicer. Additional licensing information available on OneMain Disclosures.

For residents of the State of Washington only: OneMain Financial Group, LLC – Consumer Loan Company License – NMLS # 1339418.

For Housing Counselors in the State of Washington, please email us at the following link in regards to your customers loan modification status: [email protected]. Please ensure your customer has provided us with authorization to work with you.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

76K reviews

5-star
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Rated 5 out of 5 stars

I wasn't going to get a new loan but…

I wasn't going to get a new loan but there's a right time when it makes sense. It made great sense at this moment and One Main made the process very easy and painless. I have considerably less going out the door monthly and now can make a living with some breathing room.

10 February 2026
Rated 1 out of 5 stars

Less than forthcoming on the fine print.

I took out a loan for 60 months. I paid that loan off in 15 months. At signing they tell you there is no penalty for paying off early. What they do not tell you is there is a loophole in the law that allows them to collect ALL interest on loans less than 60 months. Which means I paid $6,740.44 of interest on a 15K loan that I paid off 45 months early. Read the fine print. This company is not at all honest with you and you are better off getting a loan from the Mafia. Anyone who has paid off a loan early with this company should really take a look at the interest you ended up paying. They in fact DID penalize you. Just in a not unlawful but should be unethical way. These people are disgusting in their business ethics.

12 February 2026
Unprompted review
Rated 5 out of 5 stars

Superb Customer Service

I had the pleasure of securing a personal loan with OneMain Financial's Casselberry, Florida Branch. The Loan Officers name was Lisney. She had a very kind demeanor and walked me through the process making sure all aspects of the loan was covered and explained everything in detail. Her customer service skills were superb and she proved to be knowledgeable concerning all terms and conditions of the loans, making it easier to choose my terms. I highly recommend OneMain if you are searching for fair loan options but above all, if you choose OneMain ask for Lisney. She is an added bonus to the entire process.

12 February 2026
Unprompted review
OneMain Financial logo

Reply from OneMain Financial

We take pride in providing excellent service and we are so glad you had a positive experience with Lisney. Thank you for sharing! –Scott | OneMain Social

Rated 5 out of 5 stars
OneMain Financial logo

Reply from OneMain Financial

Thank you for your kind words, Benjamin. Every step counts and leads to better financial health. We’re proud to be on the journey with you. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 5 out of 5 stars

We truly appreciate Laura &Stacy at the…

We truly appreciate Laura &Stacy at the chambersburg office they are so kind professional etc…they treat customers well 🤙🏼….

10 February 2026
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Reply from OneMain Financial

Putting customers first is what we’re all about. Thanks for the positive feedback. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 5 out of 5 stars

The agent who helped me was very helpful and empathetic.

The agent who helped me was very knowledgeable and helpful.

10 February 2026
OneMain Financial logo

Reply from OneMain Financial

Thank you for your kind words. Every step counts and leads to better financial health. We’re proud to be on the journey with you. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 1 out of 5 stars

They are so rude

They are so rude. I first called to pay my bill, but the first guy couldn't get my debit card number right. So I asked for a supervisor. She told me I had to use my bank account. No ma'am, you can't tell me what I can and cannot use. Now I am mad, and they let me talk to John. He made sense, but my card still didn't go through. He typed in the wrong number, then proceeded to say it was my bank account's fault. You guys just want people's account numbers and need to learn customer service. I wish I was in front of you all as I was speaking on the phone. Your tone and everything would be different. Customer service is needed at this company. You don't know what a person is going through, and you guys rushed me off the phone, didn't you? I just want to see you guys in person. Improve on customer service Ms.Stephanie Mr.John a the other supervisor he was rushing me off the phone. Ion have to give you guys my bank account info if I have my debt I will use it. Just do your jobs correctly.

11 February 2026
Unprompted review
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Reply from OneMain Financial

We'd like to learn more to see how we can help. Please send us an email at [email protected] with subject line "Trustpilot complaint" and include your first and last name, Trustpilot username, phone number, zip code, and a few additional details about your experience. –Scott | OneMain Social

Rated 5 out of 5 stars

Was made to feel comfortable in our…

Was made to feel comfortable in our choices

10 February 2026
OneMain Financial logo

Reply from OneMain Financial

Thank you for your kind words, Carol. Every step counts and leads to better financial health. We’re proud to be on the journey with you. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 5 out of 5 stars

It’s great experience

It’s great experience ! Great customer service and very attentive to your needs

3 February 2026
OneMain Financial logo

Reply from OneMain Financial

Hi Mary! Putting customers first is what we’re all about. Thanks for the positive feedback. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 1 out of 5 stars

Customer Service Agent OneMain

Customer Service Agent OneMain , Newark Branch name Patrick very rude disrespectfully he lied on my application loan he guided me wrong information totally dishonest person.

8 February 2026
Unprompted review
OneMain Financial logo

Reply from OneMain Financial

We'd like to learn more to see how we can help. Please send us an email at [email protected] with subject line "Trustpilot complaint" and include your first and last name, Trustpilot username, phone number, zip code, and a few additional details about your experience. –Scott | OneMain Social

Rated 1 out of 5 stars

Absolute colossal waste of time

Absolute colossal waste of time. Don’t bother. They will tell you all along you have been approved even give you quotes, make you up load a ridiculous amount of documents only to tell you all looks good we can get you funded today, drive to the office, then out of nowhere say sorry doesn’t match our policy so can’t help you. Then refuse to answer why

10 February 2026
Unprompted review
OneMain Financial logo

Reply from OneMain Financial

Hi Tom. We understand that working to improve your financial situation can be challenging, and we try our best to accommodate. Thank you for considering OneMain, and if you'd like to learn more about your application, please call 800-525-0451. –Scott | OneMain Social

Rated 1 out of 5 stars

Such a scam monkey business and fraud…

Such a scam monkey business and fraud company.. customer service have no respect for customers.. they send you letter pre approved once you apply you get denied.. pre approved means pre approved.you could say pre selected or pre qualified not pre approved!!!!. when you call to ask why they hung up on you while you still talking.

10 February 2026
Unprompted review
OneMain Financial logo

Reply from OneMain Financial

Hi Adel. We understand that working to improve your financial situation can be challenging, and we try our best to accommodate. Thank you for considering OneMain, and if you'd like to learn more about your application, please call 800-525-0451. –Scott | OneMain Social

Rated 5 out of 5 stars

Their loan procedure is very easy

Their loan procedure is very easy, people are always nice and helpful. If you run into issues, they are willing to listen and help in any way they can

10 February 2026
OneMain Financial logo

Reply from OneMain Financial

Putting customers first is what we’re all about. Thanks for the positive feedback. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 1 out of 5 stars

If I could give less than one star I…

If I could give less than one star I would, I disputed a charge in Jan 2026 and they did NOTHING, Got a second charge from same merchant, disputed that charge and again, they won't remove it! Screw these people, they won't back their customers and let merchants do whatever the hell they want and you are on the hook for the charge!! Consumer beware! Stay AWAY!!!

11 February 2026
Unprompted review
OneMain Financial logo

Reply from OneMain Financial

Our customer service team is available Monday-Friday, 8am-8pm ET at 800-525-0451. We'll be ready to assist you. -SG

Rated 1 out of 5 stars

My mother went into the office to pay…

My mother went into the office to pay off my loan. They knew she was 78 and easily confused, they made her 3 different transactions to pay off the loan. Which was very confusing for her. The worst part was before she could get home with 1 hour, her bank had several fraudulent charges on her account. She has never had this happen before. And when I called to discuss it, I was told "you can't prove it". So, I am leaving this review and also told all my friends and family to NOT use this place.

21 January 2026
Unprompted review
OneMain Financial logo

Reply from OneMain Financial

Could you please contact us directly at 833-390-2034. Our team is available to chat Monday through Friday, 8 AM to 8 PM ET.

Rated 5 out of 5 stars

Very Efficient

Very efficient and knowledgeable. Applied and had everything in place all within one business day. Very little effort on my part.

6 February 2026
OneMain Financial logo

Reply from OneMain Financial

Putting customers first is what we’re all about. Thanks for the positive feedback. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 5 out of 5 stars

They really know how to out…

They really know how to out perform..Morehead city office is the best.

10 February 2026
OneMain Financial logo

Reply from OneMain Financial

Hi Steven! Putting customers first is what we’re all about. Thanks for the positive feedback. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 5 out of 5 stars

Excellent and Easy to apply

Excellent and Easy to apply , and thanks for your services

10 February 2026
OneMain Financial logo

Reply from OneMain Financial

Hi Jose. Thank you for your kind words. Every step counts and leads to better financial health. We’re proud to be on the journey with you. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

Rated 5 out of 5 stars

The easy process of filling out the…

The easy process of filling out the paperwork and getting fast funding. You staff at the one I went to was very fast and professional.

10 February 2026
OneMain Financial logo

Reply from OneMain Financial

Hi Walter. Thank you for your kind words. Every step counts and leads to better financial health. We’re proud to be on the journey with you. Don't forget: You may also manage your account online with our online account management tool, which you can find here: http://spr.ly/AccountManagement –Scott | OneMain Social

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