OneMain Financial Reviews 

79,537
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 6,863 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for being helpful, professional, and knowledgeable, often highlighting their clear explanations and respectful approach. The overall service and user experience are frequently described as quick, easy, and smooth, with many appreciating the efficiency of the process, including fast approvals and electronic document handling. However, some customers noted issues with communication and customer service, citing unresponsive offices or feeling disrespected. Others found loan terms and payment processes problematic, mentioning high interest, hard credit checks, limited payment flexibility, or unexpected denials after initial approval.

What people talk about most

Staff

People report positive experiences with staff, highlighting their professionalism, helpfulness, and kindness.... See more

Service

Consumers find service to be positive, with many describing the company as helpful, professional, and... See more

Customer service

Clients share positive opinions on customer service, with many reviewers praising agents for being helpful,... See more

User experience

Customers had positive experiences with user experience, finding the process straightforward, easy, and... See more

Payment

Reviewers mention ambiguous feedback about payment, with some customers reporting quick and easy access to... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I worked with Stacey in the Apopka, FL office and she was absolutely incredible. Most people wouldn't say that when taking out a loan at a higher than average interest rate but, when you mess up like... See more

Company replied

Rated 5 out of 5 stars

Lydia was absolutely amazing. (I believe she is at the Bellevue branch). I had a very stressful financial emergency, and she truly made the whole process easy and straightforward. She was so incredibl... See more

Company replied

Rated 5 out of 5 stars

I had an appointment yesterday 07/08/2026 with Sharday Pagon Lugo. My experience with her was very awesome. She was very transparent, thorough and knowledgeable. I felt very comfortable through the pr... See more

Company replied

Rated 5 out of 5 stars

Patti is exceptional. This is my third time getting a loan with One Main Financial. Patti has been my to go to person. She is kind, personable and professional. She explains the process from start to... See more

Company replied


Company details

  1. #131 of 252 best companies in Non-Bank Financial Service
  2. #6 of 13 best companies in Car Finance and Loan Company
  3. #49 of 110 best companies in Financial Institution
  4. #50 of 85 best companies in Loan Agency

About OneMain Financial

Written by the company


We look beyond your credit score to offer affordable loans.

$1,500 - $30,0002

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: REModifications@onemainfinancial.com. Please ensure your customer has provided us with authorization to work with you.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

80K reviews

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4.6

All reviews

(79,537)

6,635 reviews in the last 12 months

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Rated 1 out of 5 stars

I am extremely disappointed with my…

I am extremely disappointed with my experience with OneMain Financial. I have been a customer, and during one of the most difficult times of my life, I did not feel supported or treated with compassion.
I recently had major cancer surgery and, because of my medical recovery, I was unable to work and lost my normal income. I contacted OneMain Financial in advance and explained my situation. I requested a temporary payment pause or hardship assistance for about two months while I recovered. Other lenders I contacted understood my situation and approved temporary payment relief, but OneMain Financial refused to provide any help.
Because I was trying to do the right thing, I borrowed money from another source to make the payment. Even though I communicated with OneMain Financial about my medical situation and my inability to work, I was still charged a $57 late fee after being only 15 days late.
I contacted them again and asked if they could remove the late fee given my circumstances, but the manager, Sunovia, refused to help or make any exception. This experience made me feel like OneMain Financial does not care about its customers during difficult situations.
A company should not only be there when customers are making payments; they should also show understanding when customers face serious medical problems. I hope OneMain Financial improves how it handles customers experiencing hardships, because my experience was extremely disappointing.

July 13, 2026
Unprompted review
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Reply from OneMain Financial

If you would like to review your payment options with a loan specialist, please don't hesitate to give us a call at (800) 961-5577. We are here to assist you and provide the necessary guidance. Thank you. –Scott | OneMain Social

Rated 5 out of 5 stars

It was a good experience

It was a good experience, she explained everything to me and ways that I can understand. Very professional and I would recommend this company to anyone in need of a person loan.

July 7, 2026
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Reply from OneMain Financial

We really appreciate you taking the time to leave such a positive review. We aim to provide an excellent experience for all of our customers and we are so happy that we were able to do that for you. Thanks again! –Scott | OneMain Social

Rated 5 out of 5 stars

Anytime that I need help in any way…

Anytime that I need help in any way they have always been there to help me and I appreciate everything they do for me!

July 7, 2026
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Reply from OneMain Financial

Thank you for choosing us and for sharing your experience! Improving finances is a journey and we're glad to start that process with you. Don't forget to take advantage of our helpful articles, tools, and tips at: https://www.onemainfinancial.com/resources –Scott | OneMain Social

Rated 5 out of 5 stars

Taylor Neuhoff was very cordial the…

Taylor Neuhoff was very cordial the minute I walked in the door. She acknowledged me. I had walked in one other time about a week before. The 2 Hispanic people, one male, one female kind of ignored me when I tried to get information from them I told them I had first applied on Credit Karma and they had tried to hook me up with the office in Mission Valley, San Diego, Calif. I live a couple blocks from the El Cajon Blvd office. Why would I want to go somewhere further from my apartment? So I tried again. Walked in and Taylor smiled at me right away. She was very knowledgeable and compassionate and I could tell that she cared about helping people, regardless of their family origins. I made an appointment, went in, signed the paperwork, and was off to work. Had a great day, and the money was in my account when I checked during my first break. I would recommend One Main Financial to anyone and tell them to go in and ask for Taylor Neuhoff. Thank you

July 7, 2026
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Reply from OneMain Financial

Thank you so much for taking the time to leave us this amazing review about your experience with Taylor. We're so glad we could help. –Scott | OneMain Social

Rated 5 out of 5 stars

Great Experience

The whole loan process take a few days to review and complete, staff answered my questions in a timely matter. The interest rate was much lower than I expected it made my decision to proceed with the loan.

July 7, 2026
OneMain Financial logo

Reply from OneMain Financial

Thank you for choosing us and for sharing your experience! Improving finances is a journey and we're glad to start that process with you. Don't forget to take advantage of our helpful articles, tools, and tips at: https://www.onemainfinancial.com/resources –Scott | OneMain Social

Rated 1 out of 5 stars

Mind Games

Whomever contemplating on doing business with One Main Financial, think again. This company is constantly sending me loan offers. Every time I try to get a loan through them based on my pre approval offers they renig or snatch back the offer. I even had my son as a co applicant based on their suggestion. Then, it said you are approved just to call and supposedly Underwriting declined the application. Who has time to play games. It reminds me of how every time Charlie Brown tries to kick the football, Lucy takes the football away. The games are endless with this company. If you are for up for mind games, this definitely would be your company.

July 11, 2026
Unprompted review
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Reply from OneMain Financial

We apologize for your frustration. 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 855-663-6246. –Scott | OneMain Social

Rated 5 out of 5 stars

The Team is aleays great and very…

The Team is aleays great and very helpful. I have been a customer for years now and I am aleays taken care of.

July 7, 2026
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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 5 out of 5 stars

They work with all your needs

The ladies there are amazing. They will explain everything in detail to where you understand.

July 7, 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

I have no idea how this company has…

I have no idea how this company has gotten my information, but they have sent me several letters wanting me to take out a loan. I called this company, the one located in Oak Hill, to tell them to stop sending me those letters. I do not want them. I pay for everything I want myself. They refuse to stop sending me those stupid letters.

July 10, 2026
Unprompted review
Rated 1 out of 5 stars

They screwed me over…

I have great credit and they still gave me 23% and when I looked over the paperwork I noticed they did my monthly income wrong. I will not be coming back at all. I feel very disrespected with what going on here. I’m going to refinance as soon as possible. I do not recommend this place unless you absolutely have to.

July 7, 2026
Rated 5 out of 5 stars

Professionalism at it’s best

I’d like to express my sincere appreciation for Shar Marshall, Senior Personal Loan Specialist at OneMain Financial. Her professionalism was evident from the moment we began the loan process. She made everything straightforward and easy to understand, treated me with respect, and took the time to ensure my needs were fully addressed. Shar’s commitment to excellent customer service truly sets her apart. She is amazing, and OneMain Financial is fortunate to have her.

July 10, 2026
Unprompted review
Rated 5 out of 5 stars

My experience was great

My experience was great. They took their time in knowing my needs and the staff was very helpful. O highly recommend this company.

July 7, 2026
OneMain Financial logo

Reply from OneMain Financial

Thank you for choosing us and for sharing your experience! Improving finances is a journey and we're glad to start that process with you. Don't forget to take advantage of our helpful articles, tools, and tips at: https://www.onemainfinancial.com/resources –Scott | OneMain Social

Rated 1 out of 5 stars

Immediately from the start of the…

Immediately from the start of the conversation I was Not talked to as a human in need of help. She talked extremely fast as though to shuffle me off to the next score. I am im dire need of help to adjust and reduce my incoming bills so I can literally survive. As a hard Working laborer of 30 yrs I have never been in a position where my All bills are more than my income- which is the most I've ever earned. After again answering the questions that I own my own home, I own my car, 650 credit, and I hired a debt consolidation firm 2 years ago taking care of shit, she couldn't hang up on me quick enough. What is happening? This is one of the wealthiest lending screw alls there is. Nope. Screw you is what I got.

July 10, 2026
Unprompted review
OneMain Financial logo

Reply from OneMain Financial

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

This Company is so helpful to me and… every time I need money I am Approved for it you all help me so much I Appreciate One Main!

This Company is so helpful to me and very Professional, I would recommend anyone to give you all a visit. Great Company to do Business!

July 7, 2026
OneMain Financial logo

Reply from OneMain Financial

Thank you for choosing us and for sharing your experience! Improving finances is a journey and we're glad to start that process with you. Don't forget to take advantage of our helpful articles, tools, and tips at: https://www.onemainfinancial.com/resources –Scott | OneMain Social

Rated 5 out of 5 stars

One main tries to help find solutions rather than making a problem worse

In my experiences with them they’ve always been traditional in terms of the loan process but flexible enough to tailor the loan to my specific needs. I experienced a few setbacks during my first loan and they were always able to help me along rather than make things worse.

July 7, 2026
OneMain Financial logo

Reply from OneMain Financial

That's what we love to hear, Adam! Thank you for sharing your experience with us. Our team members work very hard to make sure they understand and meet our customer's needs! –Scott | OneMain Social

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