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OneMain Financial Loans Reviews

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  • Pros
  • Helpful and informative website
  • Offer both secured and unsecured loans
  • Loans up to $15,000
  • Fixed rates
  • Quick application processing
  • Cons
  • High interest rates
  • Lower credit accepted

OneMain Financial Bad Credit Loans

OneMain Financial, formerly known as CitiFinancial, has roots in Citigroup. This means it has big bank backing, which has its own set of advantages and pitfalls. It offers personal loans up to $15,000 and loan processing is fairly quick. In fact, if you are able to get approved by mid-day, you can get your loan on the same day.

One of the most notable features of OneMainFinancial.com is its extremely user-friendly and helpful website. It is very informative with helpful articles, tools and calculators designed to better your understanding of personal loans and to help you organize your own finances. There is also a helpful tool that can help you find a branch near your location. You can apply for a loan in three different ways; you can apply online, over the phone or you can visit a branch if you want a more personal experience.

With OneMain Financial, as well as other large bank-based lenders, interest rates can be high. If you have medium to low credit, high rates can really hurt you in the long run.

Verdict - Average

Good personalized loans for people who want a personal one-on-one service. Find out what average interest rates are for a person in your situation and ask what they can offer right away.

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OneMain Financial Loans Consumer Reviews

Average Customer Rating

4 out of 10 rating 4 3 User Reviews

User Rating Distribution

Ratings: 10 - 9 0
Ratings: 8 - 7 1
Ratings: 6 - 5 0
Ratings: 4 - 3 1
Ratings: 2 - 1 1
8 out of 10 rating 8 No early repayment fees No cons

One main financial offer a top service. The representatives are friendly and there are no fees for paying off your loan early!

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2 out of 10 rating 2 None Rude customer service reps

I've never known a company to have such bad customer service. I spoke to two different reps who were really rude and sounded like they did not want to help me at all and the interest rate is so high.

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4 out of 10 rating 4 No pros High interest rates

This company is as bad as a payday loan, read the small print before applying. It may give people with bad credit to pay off some debts but overall just makes the debt worse. STAY AWAY!

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In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.

Advertiser Disclosure

In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.