OneMain Financial Reviews

Here are the top alternatives to onemainfinancial.com:

1. AmOne Corp.: Offers personal loans for major purchases and debt consolidation.
2. Upstart: Considers factors like career and education to help borrowers with fair credit qualify for a better rate.
3. LendingTree: Helps you get the best deal possible on your loans by providing multiple offers from several lenders.
4. Rocket Loans: An online finance company offering low rate personal loans from $2,000 to $45,000.
5. Credit Karma: Provides free credit scores, reports and insights.
6. Upgrade: Known for its quick turnaround and fast application process.
7. Avant: Makes it easy to apply if you work for yourself.
8. LendingPoint: Suitable for borrowers with a biweekly paycheck.
9. Integra Credit: Good for bad credit.
10. Prosper: Suitable for borrowers with a high Debt-to-Income ratio.

These alternatives offer various lending situations and lower costs. Some of them even provide the loan approval and the funds within one day. Remember to compare the rates and terms before making a decision.

To open an account on onemainfinancial.com, follow these steps:

1. Visit the OneMain Financial Website.
2. Locate and click the "Log In" button on the homepage.
3. Click on the link that says "Need to create your online loans account?" to start the account creation process.
4. Enter the required information.
5. Complete the process to create your account.

If you have already submitted an application and would like to check the status or continue the process, please check your email. A link to create your online account has been sent there. If you have not yet applied for a loan with OneMain, you can start your loan application on their website. Your account number, if you have one, is located on the top right portion of your monthly statement. Creating an online account with OneMain is quick and easy. Fill in your information and account number to get started. Remember, you can also create your online account in their mobile app.

To apply for a loan with Onemainfinancial.com, start by completing the online pre-qualification form on their website. This form will require information such as the desired loan amount, personal details, contact information, social security number, net monthly income, employment details, and vehicle ownership if applicable. After prequalification, you will be directed to the nearest branch to verify identity, income, expenses, employment, and collateral (if required). A OneMain associate will then review the loan options with you. Once the loan documents are signed, the funds are typically disbursed on the same day the loan is approved. The entire process is designed to be quick and straightforward, ensuring that applicants receive their funds promptly.

Onemainfinancial.com offers personal loans with amounts ranging from $1,500 to $20,000. The loan terms can vary from 24 to 60 months, with fixed rates ranging from 18.00% to 35.99% APR. The company charges an origination fee that may be a flat fee or a percentage of the loan amount, with flat fees varying by state and ranging from $25 to $400. The average interest rate paid by customers is just under 26%, which depends primarily on credit score and history. Origination or processing fees can range from $25 to $500, reflecting factors such as state of residency, loan amount, and credit history.

Onemainfinancial.com offers a range of financial products and services, primarily focusing on personal loans and auto loans. Customers can apply for loan amounts ranging from $1,500 to $20,000, which can be used for various purposes such as bill consolidation, home improvements, or unexpected expenses. The application process is designed to be quick and easy, with the possibility of receiving money as fast as one hour after loan closing. Additionally, Onemainfinancial.com provides the BrightWay℠ credit card, which rewards customers for timely payments. The company also offers resources to help customers manage their finances, including budgeting tools and tips for saving money. Overall, the services are aimed at providing responsible access to credit for nonprime customers.

Onemainfinancial.com offers a 7-Day Okay return policy, allowing customers to cancel their loan within 7 calendar days from the date on the loan agreement. To cancel, customers must contact the branch listed on the loan agreement or call the provided number. The full amount of the loan funds, except any fees for lien placement, must be returned by debit card, certified check, cashier’s check, money order, or uncashed original loan check. Personal checks are not accepted. If a vehicle or other item was purchased with the loan, returning the item does not qualify as a loan cancellation. For shipping, since OneMain Financial primarily provides financial services, a traditional shipping policy is not applicable. However, loan funds are typically delivered by check or direct deposit after approval.

Onemainfinancial.com has received positive feedback from customers, with a 4.8 out of 5 stars rating on Trustpilot, where 89% of the reviews are 5-star. Customers often highlight the easy process and helpful staff as reasons for their high ratings. Conversely, on ConsumerAffairs, the company has a 3.1 out of 5 stars rating, indicating a more mixed reception. The Better Business Bureau (BBB) gives OneMain Financial a B+ rating, and the lender has a 3.76-star average at the BBB. It's important to note that while there are over 1,000 complaints on the BBB site, the company still holds accreditation and has addressed the majority of the complaints received.

The interest rates for loans from Onemainfinancial.com range from 18.00% to 35.99% APR. These rates are fixed and apply to both personal and auto loans offered by the company. The actual rate a borrower receives depends on various factors, including credit history, income, expenses, and the presence of any collateral. For example, a loan of $6,000 with a 24.99% APR over a 60-month term would result in monthly payments of approximately $176.07. This example is based on an average customer with good credit.