OneMain Financial, San Jose, CA

Going through the application process was very streamlined. Practically the entire process was done online!!! It was great. Nevertheless it was even a better experience working with Gladis D who helped me in completing the application process. A very BIG kudos to Gladis!!!

This company is polite at first but as time turns the interest rates stay extremely sharply at 35% if your credit doesn’t improve. During COVID 19 I also found this was one of the only companies that did not lower the APR or even offer a deferred payment. Very disappointing and sad. When times get difficult another technique they practice is to put your car up on collateral for a tittle loan putting people into more crazy 40% APR debts. I truly pray folks don’t get involved with these folks.

This is place is unreal! I got approved on their website. Called to make an appointment and was told again that I was approved. I go in person to finalize everything and bring all my documents only for the guy to tell me, oh sorry we cannot give you the loan after all. He said it was because my monthly income on the application didn't match my paystubs. That's because I put what I made gross before taxes. Then I was told it might be my credit and other things. They give you false intentions and information! All it took was a simple fix on there part with my income. I feel like he wasn't honest in the first place after my denial. I regrets even applying here!

They don't tell you that if you pay your loan in full before due date you still have to pay interest in full for the life term of the loan.

I got approval for a,loan very quickly on the phone within 2 days I had my money direct dep into my account and the website is easy to use so you can set up auto pay. Very good cust serv also. People are always polite and helpful answer all questions.

DO NOT APPLY HERE!! READ BEFORE: TLDR: Lies, takes advantage, goes against FCRA & CFPB Regulations ! I am writing this review to express my extreme disappointment and frustration with my recent experience with One Main Financial. I strongly advise against wasting your time applying for a loan with this company, as they will only lead you on and waste your time without any intention of providing the loan they promise. From the very beginning, their representatives gave me false hope and misled me into believing that I was approved for a loan. They assured me that all the information I provided was sufficient for the underwriters and that I would be approved. However, after submitting all the required documents and waiting for two days, I received a call from Carmen, their representative, just before they were about to close. To my shock, she informed me that my loan had been denied, without providing any valid explanation. I repeatedly asked Carmen for the reasons behind the denial, especially since I had been offered a different loan based on the same information I provided to her. However, she failed to provide any satisfactory answers and seemed completely unaware of the current fair credit reporting act regulations. It is disheartening to see that the supervisors at One Main Financial are also not knowledgeable about these regulations, which are meant to protect consumers. What is even more upsetting is that they do not seem to care about their customers' financial situations, especially during the holiday season. It is distressing to think that lenders like One Main Financial can affect the credit of middle-class individuals through false advertisements and misleading information, all for their own benefit. I even shared with Carmen my recent hardship, which had caused damage to my home. She seemed sympathetic and excited to provide me with a loan, only to deny me after I had gathered all the necessary documentation. It took me three days to understand the issue, and even after explaining that I am an independent contractor with a stable income, they refused to offer me any alternatives or consider a co-signer. They even assured me that my car could be used as collateral, only to later backtrack on that statement. Furthermore, it is unacceptable for a lender to inform a potential customer that their 2022 taxes will not negatively impact their loan approval, only to base their decision solely on those tax returns. It is outrageous that a company with a supposedly reputable reputation would rely on outdated methods of income verification, especially during the Covid pandemic. This practice goes against federal regulations for consumer protection and is incredibly unfair and biased. I am currently working with the Consumer Financial Protection Bureau and a local professional advocate to hold One Main Financial accountable for their non-compliance with FCRA regulations and the damage they have caused to my already existing hardship. Their actions not only violate regulations but also their own terms and conditions. I urge anyone considering One Main Financial to save themselves the trouble and learn from my experience. It is best to go somewhere else for your financial needs where you will be treated fairly and with respect. Happy to answer any and all questions about my experience as i luckily recorded all the interactions via phone with my financial advisor. Please, learn from me. Do not fall for their fake empathy or deceit. If your businesses suffered during the return from 2022, they will judge and discriminate against you based on that. They will NOT care about your 2023 income. They will only pretend to get you in their system to raise their own inquiry numbers.

I got the best rate loan. Every person I talked to at OneMain were very helpful and honest. The customer experience is flawlessly wonderful. I'm glad to do business with professionals. Highly recommended

My loan officer Carmen was so polite and helpful. She helped me with the quick process and was good at keeping me updated .