OneMain Financial

Liz is excellent !!
Mar 28th, 2024

The loan came thru fast. I was looking for a lower interest rate.
Mar 5th, 2024

my experience was fantastic. Customer service was great, everyone in the office was very polite.
Feb 9th, 2024

Feb 6th, 2024

I regret getting a loan here. Just like others say. They are quick to give you a loan. But after you get approved. You're on your own. Specially with this branch. The manager forces you to get extra "optional products" on the loan. Such as unemployment benefits and disability and some other things. I told them I don't want it. But she made it mandatory. And gave me horrible APRs. I didn't know the extras on the loans were "optional " not until their attorneys Nelson and Kennard sent me a letter for debt collection. I lost my job in December. Went thru some difficulties. I thought, things would be fine if I contact them and use the unemployment benefits they forced me to get. But low and behold. There's strict requirements to use those benefits. Such as requiring approval from the unemployment agency. Even then. They only give you 1 month. I asked for payment deferral. You have to give them half a payment. And they only let you do it for 1 month. At this specific branch. Later on. I found out. I was actually allowed to have 3 months deferral. The loan was only for 10K. 1K extra for optional services. I was on time with payments for 6 months of 370 per month. That's 2K that i already paid them. At the time I lost my job. My balance was 9.6K. When you deferred your payment. Your balance keeps increasing. Even though you supposedly only pay the interest. They actually extend the life of the loan for 3 months extra for every month that you deferred. After paying a deferred payment for 2 months. My balance became 10.2K. It went up ordering them at least 600 more. Even though i was making half payments to pay just the interest. And i was not able to use those optional services. When you miss your payment. They call you 8 times a day. 3 times at 8am. 3 times at 12pm. And 2 times in the afternoon until they close. I actually ended only talking to the other branches because I couldn't trust the branch manager anymore. After doing the math. I realized that for just missing 3 months of payments. I am being charged an extra 5k in penalties and fees. In to of the normal interest that was charged on my loan. So in total. If i had miraculous caught up with my payments. My loan would have started over with a higher balance. Effectively giving away the 2K i had already paid for 6 months. This is how financial companies make their money. By all the late fees and interest penalties they charge. Companies like these actually profit 1.9 trillion from all these fees. It's no joke. It's from the consumer protection bureau acknowledging this. They passed laws making it legal for them to charge you $100 just to call you as part of their debt collection practices. Now I have to deal with their attorney Nelson and Kennard. They claim I owe 12K from my 10K loan. This is why there's so many homeless people, because they make so difficult to catch up on your payments. It will only get worse because we don't have any rights anymore. Not like before. Their attorneys are passing laws to charge you more in hidden fees that you don't know about until you get into trouble. When the economy crashes. And people lose their jobs. Millions of people are going be into a big surprise when they see how much they will be charged in fees because of the laws they passed years after the previous recession. We bail them out. Only for them to come back and charge you more. At a time when you need help the most. I feel so stupid for getting this loan. I used to get 20k loans for cars and paid them off in 1 year. No problem. But this loan. It was not worth it. You can't win. The late fees used to be $8. Now they are $40 plus interest. And other hidden fees. There's better companies out there. Lending Club is better. They're more reasonable and understanding. But if you really must use this company. Go to the Fontana branch instead. They're more honest there and give better support.
Dec 7th, 2023