OneMain Financial Reviews 75,449

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 friendliness, professionalism, and exceptional customer service skills. Consumers highlight the representatives' ability to explain loan options clearly and thoroughly, ensuring a smooth and stress-free process. People appreciate the staff's patience in answering questions and addressing concerns, making them feel comfortable and valued. The overall service and user experience are also highly regarded. Reviewers found the application process to be quick, easy, and efficient, with many receiving prompt approvals and funds. The company's willingness to help customers in various financial situations is a recurring theme. However, opinions on payment terms are mixed, with a wide range of views expressed.

Based on these reviews

Rated 5 out of 5 stars
Invited

There is always a wiliness to help. The Branch manager Jay has always been professional and shown that he is willing to answer any question and goes the extra mile most won't. Jadelynn did a awesome... See more

Company replied

Rated 5 out of 5 stars
Invited

Well this was a good experience for me because with my credit score being so low and I'm not usually able to get any other loans from them this time they did give me a small loan which was fine for me... See more

Company replied

Rated 5 out of 5 stars
Invited

I called the office and they asked what they could do,I could you a load. She took my information over the phone and in minutes she said your loan was approved, all we had to do was come into the offi... See more

Company replied

Rated 5 out of 5 stars
Invited

Very friendly and knowledgeable personnel ; treated me like family. Great place to do quick business and super rates. It's definitely a must visit for a great financial future.

Rated 5 out of 5 stars
Invited

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

Company replied

Rated 5 out of 5 stars
Invited

From the beginning, Contacting Mrs Thompson and setting up an appointment was very easy and pleasant, I truly enjoyed working with everyone that helped me, Trinity was amazing with the closing of the... See more

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Rated 5 out of 5 stars
Invited

Working on getting myself back from identity theft. They have been very helpful in this. Didn't even know this until the IRS contacted me about erroneous filings. It's time consuming, it's tough, but... See more

Company replied

Rated 5 out of 5 stars
Invited

This company is really about helping the customer by any means possible. Denise helped me and she shows compassion and kindness thru and thru. Im very happy using this company for loans. They saved m... See more

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Rated 5 out of 5 stars
Invited

With the busyness of the holiday’s and so many people needing help, Carolyn still made time as soon as she could for me. We were able to meet the day she returned my call. I was able to get the help t... See more

Company replied

Rated 5 out of 5 stars
Invited

Using OneMain for the 2nd time, things flowed very well. Lisa, the manager, came out specifically to find out how my experience was, and did everything go as expected, and was I happy with the new arr... See more

Company replied

Rated 5 out of 5 stars
Invited

The entire process was smooth and professional. My representative was extremely kind and helpful in terms of what could be applied to be consolidated and gave future information and refinancing the... See more

Company replied

Rated 5 out of 5 stars
Invited

Rachel at One Main financial made my application process very smooth and quick. I had an approval and funds practically within 24 hours. Although the interest rates are a bit high, I can't complain as... See more

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Rated 5 out of 5 stars
Invited

Samantha was AWESOME!!! She helped me when no one else could!!! I would definitely recommend One Main Financial and Samantha to others! Thanks to Samantha she has given me peace of mind with my financ... See more

Rated 5 out of 5 stars
Invited

I love OneMainFinancial. Excellent customer service. They are not pushy and seemingly avoid putting you in a bad situation with a large loan unnecessarily. It has been a pleasure thus far.

Company replied

Rated 5 out of 5 stars
Invited

Because steven was very helpful to me i wasnt where he at but it was like he was next to me walking me step by step through everything thing and i appreciate that die to how im not compiter savy

Company replied

Rated 5 out of 5 stars
Invited

Borrowing money is never a fun thing to do, you're usually doing it because you have a need. JoAnn made me feel comfortable, and the entire process was pretty easy, not stressful.

Company replied

Rated 5 out of 5 stars
Invited

The lady that worked and was able to get our loan approved Mrs Mac she works at the One Main Financial location in Carrier Parkway in Grand Prairie Texas. Mrs. Mac is an awesome, very knowledgeable an... See more

Company replied

Rated 5 out of 5 stars

I had an excellent experience with Anastasia a rep in the ridge office in Philadelphia, pa. She was absolutely amazing. She took me from step one listened to what I was trying to do and explained all... See more

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Rated 5 out of 5 stars
Invited

We dealt with Kristen and she was such a great help, she was helping us with the understanding of what we had and what we needed to take care of consolidating everything and getting the loan that she... See more

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Rated 5 out of 5 stars
Invited

The 2 ladies were very helpful and upbeat. It was a Friday evening and they had been short staff all week and were very accommodating and communicated honestly but clearly.

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Rated 5 out of 5 stars
Invited

The Duluth office in GA is the place to go to. They are so friendly, professional and efficient. I called them on a Tuesday to request a $12,000 unsecured loan for home improvement because I went over... See more

Company replied

Rated 5 out of 5 stars
Invited

They where very helpful and put the money in my account within a hour. The payment was something I can afford. I would definitely recommend them... Thank you OneMain!

Company replied

Rated 5 out of 5 stars
Invited

What can I say? Prompt, efficient, caring. A very smooth process from start to finish. Everything was clearly explained. I was out of the office in less than 30 minutes and received the funds in my... See more

Company replied

Rated 5 out of 5 stars
Invited

Angel was absolutely amazing! She explained EVERYTHING very well and answered ALL our questions. She was super friendly and easy to work with even with her voice being almost gone. [She needs a raise... See more

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Rated 4 out of 5 stars
Invited

Ms Anderson was very polite, informative, and we went through the process in a very positive manner. I was impressed it wasn’t very long to receive money to my account.

Company replied

Rated 5 out of 5 stars
Invited

The Service and the Representatives were very helpful and professional. Very patience with answering all questions. Ms. Theresa was great as well as. the other staff member. A”+” customer service.

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Rated 5 out of 5 stars
Invited

It was quick and easy, and simple. Response in an hour. The details where explained so no miss understanding. (Bonus) payments were explained to the no early payoff penalties

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Rated 5 out of 5 stars
Invited

The people they're awesome and very helpful I've been doing business with One main financial for a while now and I've never had a problem they weren't able to solve

Company replied

Rated 5 out of 5 stars
Invited

The customer service was great. I found the person who helped me was so outstanding and eased my experience tremendously. Her name was Debra, sitting in for Crystal. She was thorough and her knowledge... See more

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Rated 5 out of 5 stars

Great employees! Professional service. They really took an interest in my best interest and I really appreciated how they interacted with me concerning the concerns I had. Great communication! The... See more

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Rated 5 out of 5 stars
Invited

This whole office was incredible to make the impossible happen. I couldn't be happier they were able to help me. I totally recommend them.

Company replied

Rated 5 out of 5 stars
Invited

The lady's there are very professional and very kind we have done business there many years we recommend them to alot of people they are the best malinda an Michael bass thank you for all your hard wo... See more

Company replied

Rated 5 out of 5 stars
Invited

The staff is kind and quick to help. The whole process was painless and FAST!! the time from my application to having the loan in my bank was literally less 10 hours.

Company replied

Rated 5 out of 5 stars
Invited

Your crew were very helpful in processing the loan that was needed for repairs to our home. And making the funds available in a timely manner.

Company replied

Rated 5 out of 5 stars
Invited

It was awesome! Tanya at the Addison location was very knowledgeable and explained everything in detail. Made the experience effortless not being able to come into the branch. Much appreciated!

Company replied

Rated 5 out of 5 stars
Invited

candy the agent i worked with was fabulous- one of the best agents ive ever worked with, made the experience seamless-

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Rated 5 out of 5 stars
Invited

This time the process went a lot smoother and quicker, Jenny was very well prepared with all the paperwork.

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Rated 5 out of 5 stars

My experience with them was awesome. I felt comfortable and welcomed. The staff were friendly, helpful, patient, and very professional. They are the best! 🙌 Excellent customer service 💯

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Rated 5 out of 5 stars
Invited

They were perfessonal and knowledgeable. I wasn't sent through any hoops everything was explained and clear

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Rated 5 out of 5 stars
Invited

Very professional, explains everything clearly, I’ve been dealing with OneMain for years and I have no complaints !

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Rated 4 out of 5 stars
Invited

The representative was friendly she treated me as a person and answered all my question with respect

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Rated 5 out of 5 stars
Invited

Courteous and knowledgeable agent who was very helpful and was able to get my loan processed quickly.

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Rated 5 out of 5 stars
Invited

The two ladies I worked with were super nice and so easy to work with. It was a great experience and I received the loan and money the same day.

Company replied

Rated 5 out of 5 stars
Invited

Working with Andrea was great. This was a very smooth process and very quick. It is greatly appreciated.

Company replied

Rated 5 out of 5 stars
Invited

“I had a wonderful experience working with financial representative Madison. She was knowledgeable, patient, and made the entire process smooth and stress‑free.”Madison was great and very

Company replied

Rated 5 out of 5 stars
Invited

Amy is always super friendly! The whole office is really, makes you feel like a little family.

Rated 5 out of 5 stars
Invited

Customer service was great. Loan was processed promptly. Everything was explained very well

Company replied

Rated 5 out of 5 stars
Invited

Fast approval and deposited funds same day. Very professional staff and friendly.

Company replied

Rated 5 out of 5 stars
Invited

Fantastic customer service. Quick and easy application process and made it very easy for me to finish the loan process.

Rated 5 out of 5 stars
Invited

Very professional and knowledgeable. Helped us receive more than we actually requested which was helpful in paying off other bills. Lisa explained every detail well and clarified any questions I had.

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


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

75K reviews

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Replied to 88% of negative reviews

Typically replies within 24 hours


Rated 5 out of 5 stars
Invited

Very professional

Very professional, explains everything clearly, I’ve been dealing with OneMain for years and I have no complaints !

3 December 2025
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 -SG

Rated 5 out of 5 stars
Invited

I love OneMainFinancial

I love OneMainFinancial. Excellent customer service. They are not pushy and seemingly avoid putting you in a bad situation with a large loan unnecessarily. It has been a pleasure thus far.

3 December 2025
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 -SG

Rated 5 out of 5 stars
Invited

Customer Service Evaluation.…

The Service and the Representatives were very helpful and professional. Very patience with answering all questions. Ms. Theresa was great as well as. the other staff member. A”+” customer service.

3 December 2025
OneMain Financial logo

Reply from OneMain Financial

We love to read great things about our customers’ interactions with Theresa. Thank you for sharing your experience with us! -SG

Rated 5 out of 5 stars
Invited

The loan officers were very nice

The loan officers were very nice, knowledgeable, helpful and patient.

3 December 2025
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 -SG

Rated 5 out of 5 stars
Invited

Customer Service was awesome

Customer service was great. Loan was processed promptly. Everything was explained very well

3 December 2025
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 -SG

Rated 5 out of 5 stars
Invited

Courteous and knowledgeable agent who…

Courteous and knowledgeable agent who was very helpful and was able to get my loan processed quickly.

3 December 2025
OneMain Financial logo

Reply from OneMain Financial

Hi Gertrude! 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 -SG

Rated 1 out of 5 stars

Worst customer service ever

Worst customer service ever. Terrible communication. Its been 75 days since I opened my claim amd it's been hell ever since. I give up. I will cancel my policy and absorb the loss. I paid for a service and that service is not being provided. 14 phone calls, 2 snail mail letters, 2 faxes and an in person visit and still no resolution. I want nothing more to do with this company.

3 December 2025
Unprompted review
OneMain Financial logo

Reply from OneMain Financial

Hi Melissa. We're sorry to hear about your experience. Our customer service team is available Monday-Friday, 8am-8pm ET at 800-525-0451. We'll be ready to assist you. -SG

Rated 5 out of 5 stars
Invited

I called the office and they asked what…

I called the office and they asked what they could do,I could you a load. She took my information over the phone and in minutes she said your loan was approved, all we had to do was come into the office and do the paperwork.fast and great experience, I would recommend one main to anyone who could use a loan.

21 November 2025
OneMain Financial logo

Reply from OneMain Financial

That's what we love to hear, Emmett! 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! -SG

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