OneMain Financial - Houston (TX)

1 /5 Kimberly J: I got a loan with OneMain Financial to help build my credit a while back. Since then, I’ve received multiple emails saying I’m approved for a loan increase. But every time I apply, it says I’m approved then someone says I need to use my vehicle as collateral. That was never mentioned upfront on the application, which feels very misleading. On top of that, I had a scheduled call they never made, and when I followed up, no one called me back like they said they would. So I contacted the store and spoke with i believe someone named Maria and I explained everything and asked to be removed from these misleading emails. The woman said she’d remove me, then hung up in my face. Overall, poor communication and false advertising.

1 /5 David Levy: be prepared for a hard sell of financial services. You’re not interested in and fees that aren’t disclosed until the very end. Do not waste your time.

1 /5 Carlos Hernandez: This one main company is the worst, it charges you interest until the last payment, they claim insurance and it doesnt cover what they tell you, and when you finish paying the loan, they tell you that you will receive the title of your car in a maximum of six weeks and 16 weeks have passed and it hasnt arrived, I call them and They told me that I have to go to the county to claim it. Worst of all, I would not ask for a loan from them again nor would I recommend them.

1 /5 Tammy Johnson: Was approved but didn’t take the loan because of the lack in communication. High interest rate. Bad reviews. Thank you to all the people that created a review. Yall help me make a very good decision not to go with the loan.

1 /5 Khalil Mishref: Hello, Just wanted to warn potential customers of the various hassles I have encountered when attempting to get a loan at OneMain Financial. To begin, I would not get your hopes up on trying to get a speedy loan process. Every step was dragged on for days and they have a habit of saying they would call back but in reality you will most likely have to send several calls to remind them. My loan specialist Nicole took almost an entire week just to finally get my documents reviewed. Everyday she asked for more and more documentation. I was asked for (Pay Stubs, Drivers License, Social Security Card, Copy of a Utility bill that shows an address that matches the one on the DL) If you wanted to do a secured loan they will request (Photos of your vehicle including speedometer and VIN#, a copy of your title as well as a copy of your declarations page which shows full coverage insurance for the vehicle) At this rate I was worried they were going to ask me for my vaccination records and a certificate from my doctor about what blood type I am. When I finally submitted my documentation, they said we could close the offer online. Their system is so outdated and buggy that they then requested for me to come into the branch to do it ASAP. I dont have that kind of time so I kindly took my business elsewhere. Also, their interest rate was nearly 30% so I highly recommend using other companies such as Upstart or SoFi, I was able to apply and get my money within 24 hours! Key Take-Aways: Slow service, excessive documentation, and predatory rates. Unless youre absolutely desperate I recommend staying away from One Main!