Frequently Asked Questions

If you are using a screen reader and are having problems using the website please call for assistance. I would recommend this company to anybody. As payments are received, the account balance goes down by the amount of the payment. Not sure how to choose? They were fast, precise, friendly, and they did not make me feel rushed. OneMain Financial has been in business since December 12th, Tooele, UT.'s Review

How's it work?

OneMain Financial Personal Loans They gave me the option of two loans one 9k secures with a car title as colladaral or a 6k unsecured loan with just proof of income and residency. I submitted a pdf of my check stub and ID and was scheduled for a meeting in store the very next day. and you’ll get tools and info that can help you /id/onemain-financial-personal-loans. Personal Loans; Why Us; Branch Search; Resources; Log In; Apply Now; what exactly is a personal loan? A personal loan is an installment loan that you can use for a variety of reasons 2. From debt consolidation to home improvements to vacations, you can plan for both the expected and unexpected. we’ll have you visit a branch to verify You have two options to pay online: To make a one-time payment: go to the Make a Payment page. Be sure to have your OneMain account number, Social Security Number and a blank check

But first, what exactly is a personal loan?

2942 OneMain Financial Consumer Reviews and Complaints

I wanted to refinance my car. The person I talked to was very kind and explained everything in detail so I would know how to take care of the bad credit that was not mine. She told me once I get it off to call her and she will get it taken care of. The biggest rip off ever. I wasted 3 years trying to pay this loan off. I would not recommend this loan to anyone, even if it is a do or die situation. Ive received a loan, refinanced it, never missed nor been late for a payment, now that i applied for another loan all of a sudden the policy has changed.

I consider myself a great customer and credit score has risen although i was told i had to have titles in order to receive another loan, once this one is paid, they will never get my business again.

Lot's of hidden fees, which are not verbally explained. I had a secured loan using my auto title. Now three years later, I have paid off my loan but have yet to receive the paperwork for the 'Release of Lein'. I feel very anxious about this situation and hope that this company is not crooked.

I shouldn't have to go to court to get my property back. The website is very sketchy as well. My last statement offered the same lack of info as the website. No mention of my last payment being tbe 'payoff'. One good thing about this company is that they have 'hardship' program for struggling customers that temporarily can't make their payments.

I was on this program for 6 weeks. That may be why I am not receiving my payoff paperwork. If that is the case then why have I not been informed???? This company will harass you non-stop if you're even 3 days past the "due date" You have 10 day Grace period to make your payment!!

Managers will be very rude and non-sympatheic to anything you're dealing with and will demand a payment regardless of your situation. They will call you more than once in one day!

Very unprofessional and unfriendly company all around! These people are loan sharks! They will give you money at crazy interest rates and very high payments. Do NOT go here unless you are being threatened with your life! Faste,friendly, understanding staff went out of their way to help me out and made sure that all my concerns,needs,and questions were addressed.

The process was very easy, the loan specialist tried very hard to help me get as much as possible. And we really appreciate her for that. The Minot North Dakota branch has top notch employees. They made us feel comfortable and we would definitely do business with them in the future. When I had a medical emergency and could not work I got a loan from them, using my old car as collateral..

I have auto payments pulled from my account twice a month, on the days I chose, and I never have to think about it.. And a life saver! Glad I found One Main. Awesome Staff, friendly, knowledgeable, Excellent Customer Service and a willingness to serve their customers with a smile. Glad that OneMain was able to help me, the staff was great and the loan was done in a fast manner so I could take care of the needs I had. I suggest anyone needing a small loan to get over a rough spot give One Main a call.

This company is better than a pay day loan and can also help your credit score. The options are great and the customer service has always been excellent. OneMain financial is a great company the personal are professional, helpful and go out of their way to help you and get you the best product they have to fit your needs.

They make feel that you are important to them. The make the application process easy and anxiety free. Have been doing business since they were American General. One Main is easy to work with and very professional. Their staff members are friendly and knowledgeable. They tell you what kind of loan terms they can offer you and give you time to decide if it works for you. They don't hassle you with calls. OneMain Financial services gave me respect and fantastic customer service.

Explained everything to my husband and I so that we understood everything and felt great about our decision. Worked Quickly at giving us a response. One Main was an awesome surprise!

We wanted to consolidate some of our bills but we already had a bank loan and needed a larger loan than companies supply here.

Then we received an add in the mail from One Main Financial and talked about it Best decision we made! Got financed for more than we thought PLUS it's convenient pay just auto drafted out of our checking account!! A win win situation!!!! OneMain helped me so much. I needed a loan, was approved the same day, and went to meet with the rep the same day. They were fast, precise, friendly, and they did not make me feel rushed. I would recommend them to everyone, even my worst enemy.

Very please great customer service very please with loan process. I was please with one main , I treated good excellent service and wasn't long there. Very helpful and friendly they explained everything in detailed and went above and beyond and they wetr very patient with me. Very professional courteous and honest definitely we will return for business. Every time that we have worked with One Main we have been extremely impressed.

They have been so incredibly helpful. We appreciate the opportunity. Our visit to One Main for a loan application was very pleasant. The process went rather quick, every detail was explained, the people there are very friendly and knowledgeable and understand your needs. Thorough process of explaining every detail and options. OK, I'm a big coffee drinker and the first thing I noticed was the free coffee machine and being waved a hello from a gentleman in the back.

We have been doing business with One Main bill consolidation for a while now and find them to be highly competent, reliable, and fair. We highly recommend them as their staff is very knowledgeable and will go through your financial problems with understanding and willingness to help. Very friendly and helpful staff made it easy to get the loan!

We had a quick and painless experience, and were able to get the help we needed without a lot of hoops, Just professional service. I had the best experience with the staff at my branch. These customer testimonials reflect individuals' personal experiences, so you may not have the same results. For more information, please call or find a branch. We may ask for additional items based upon your unique situation. Start your loan application today. On average, from the start of the application to the receiving of funds, the process takes about one day.

The amount of time may vary, however, based on what time you submit your application, the number of documents required in order to approve your application, and how long it takes to receive those documents, among other factors.

Average lengths of time for the online application process may vary depending on your circumstances:. A precomputed loan is a loan where the interest for the term is calculated when the loan is made. The interest is included in the account balance.

Because interest is calculated when the loan is made and not as payments are made, the interest is "precomputed". A precomputed loan is made up of the amount borrowed also called the amount financed , plus precomputed interest, plus any prepaid finance charges.

Prepaid finance charges are loan fees charged in addition to interest. Examples include an origination fee and an administrative fee. The amount financed and loan fees are called the "principal". As payments are received, the account balance goes down by the amount of the payment. Payments are not applied separately to principal and interest because the account balance already includes both principal and interest.

If a precomputed loan is paid off early, all of the precomputed interest may not have been "earned". The earned interest will be calculated based on how long it took to pay off the loan. The unearned interest is then refunded by subtracting it from the account balance. The payoff amount is the remaining account balance plus any unpaid fees and charges, like late charges.

There are different methods for calculating the interest refund. These include the Rule of 78s or the actuarial method. Prepaid finance charges are usually considered earned at the time of the loan, so there is no refund if the loan is paid off early. Refer to your loan agreement to see the method for calculating the refund and if you are entitled to a refund of prepaid finance charges. Interest on a daily simple interest loan is calculated by using the daily simple interest method.

This means that interest accrues on a daily basis on the amount of the loan current outstanding principal balance from the date the interest charges begin until you repay the loan. The daily simple interest method counts the number of days between the date your last payment is received and the date your current payment is received. To avoid paying additional interest, you should regularly and consistently make your standard monthly payment amount on or before your payment due date. For more information, download a comprehensive review of how daily simple interest works.

Included is the calculation used to determine the interest on a daily simple interest loan and various examples to illustrate how different payment patterns can affect unpaid accrued interest. Loan amounts subject to state specific minimum or maximum size restrictions. Collateral offered must meet our criteria. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

Before you refinance your other debts with a new loan to reduce your total monthly debt payment, you should consider that the new loan may increase both the total number of monthly payments and the total amount paid over the term of the loan.

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