OneMain Financial, Cleveland, OH

We were straight up lied to about a refinance. We were told that if they took over our car loan and added it to our loan, our payments would go down by $200 with the same terms because our interest rate would be lower...and we would get $2k cash out. It somewhat made sense because we got screwed on our car loan and a drastically lower interest rate would do wonders. We show up and the guy we talked to (who we were supposed to see) wasn't there. Waited 45 minutes to get someone to talk to. Another 20 minutes later she tells us what our payments would be and what the cash out was.... Then I asked about the length of the loan. The reason we were saving so much was because they added two and a half years onto the loan. The guy we talked to straight up lied when he said the terms would be the same. Predatory lending at its finest. Edit: The response from One Main below was only sent to make them look better. I reached out immediately and they haven't even acknowledged me. I will edit this review as necessary.

They do not care about their customers! They act “nice” and “professional” so they can get the sale and earn your business. They are not loyal to their exacting, long term customers. They have extremely high interest on the loans no matter how good your credit is. As a long term Customer, please do NOT loan here. Save yourself the headache. Go to Eagle Loan!! I use to go there and they were so accommodating and professional to new and current customers.

it was straightforward when you take the money. I had to get it from them, got 3800 , payin 7200 back. They are making money from the back of poor. When you can't one month they offer you to pay half of your installment as interest and pay the actual one at the end. Not a great option. And they won't warn you that with one missing payment they will repossess your car. I have to find a way to pay this off and never hi say hi to them again.

Just a quick shout out to Edith for awesome service. Although our loan is activated for a five year term at more than we needed, my wife and I just returned $6k in a lump payment (from the $16k approved offer) and I have amortized the balance into a doable monthly payment for 22 months. It's awesome to *finally* have a light at the end of the tunnel. Now if I can just get enough $100 referral bonuses, I can pay off the loan even sooner! LOL.

Dorthy was very helpful. She made the process fast and easy!

We were straight up lied to about a refinance. We were told that if they took over our car loan and added it to our loan, our payments would go down by $200 with the same terms because our interest rate would be lower...and we would get … More