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OneMain Financial

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 78 Google reviews · How we rank ›

4.2(78) 69 composite score See reviews on Google ✓ Google-verified Publishes prices
Mortgage & Home LoansPersonal LoansAuto & Title LoansBad Credit / No Credit CheckSame-Day / Fast Approval
Services
Mortgage & Home Loans, Personal Loans, Auto & Title Loans
Reviews
78

What recent reviews say

Five-star reviews highlight fast approvals and standout staff like Tyesha and Gracie, who make customers feel supported through loan consolidation. However, one-star complaints focus on poor complaint resolution, high effective interest rates (with some customers finding only 25% of payments go to principal), and misleading approval claims that damage credit scores.

Praised for
  • knowledgeable and caring staff
  • fast approval and processing
  • helpful loan consolidation
  • professional service experience
Watch-outs
  • poor complaint handling and defensiveness
  • high interest rates and unfavorable terms
  • misleading approval process with hard credit inquiries
  • rude staff and slow wait times
helpful-stafffast-approvalquick-fundinghigh-interesthidden-feespoor-communicationdenied-unexpectedly
Best for: Borrowers needing fast personal or auto loans with staff support for consolidation.
Think twice if: Scrutinize loan terms carefully; complaint resolution may be difficult if disputes arise later.

Strengths

  • fast approval and quick processing
  • experienced loan consolidation service
  • staff reputation for care and professionalism
  • over 100 years of operating history

Worth knowing

  • Tyesha Williams and Gracie praised by name for professionalism and support
  • loan consolidation cited as a key strength
  • origination fees and late fees disclosed on website
  • hard credit inquiries performed during approval process

What reviews say by service

Personal Loans
Fast approval praised, but some report only 25% of payments going to principal
Auto & Title Loans
Auto loans available; processing time described as quick
Same-Day / Fast Approval
Repeatedly cited by reviewers as quick and efficient

How it compares

  • Rated 4.2 against a 4.49 average across the 424 mortgage & home loans businesses listed here.
  • Has more Google reviews than 54% of the businesses in this directory.

How we scored this

How We Rank
Star rating 52
Review volume 82
Review recency 100
Review sentiment 48
Profile completeness 100
Verification 30

Rating breakdown

5
62
4
0
3
0
2
0
1
16

Contact

Address
5815 Gulf Fwy Ste B350, Houston, TX 77023
Open in Google Maps

Last verified 2026-08-23

Opening hours

Monday
08:30-17:30
Tuesday
09:00-17:30
Wednesday
08:30-17:30
Thursday
09:00-17:30
Friday
08:30-17:30
Saturday
Closed
Sunday
Closed

As listed on Google.

From their website

Services listed
Personal loansAuto loansDebt consolidation loansAuto refinance loansMedical loansAuto repair loansEmergency loansHome improvement loans
Published prices
Personal loans
$1,500 - $30,000
Personal loans - APR
11.99% - 35.99%
Personal loans - terms
24-60 months
Origination fees - flat
$25 to $500
Origination fees - percentage
1% to 10%
Late payment fees - flat
$5 to $30 per late payment

Credentials claimed:OneMain Financial Group, LLC - NMLS# 1339418, CA: Department of Financial Protection and Innovation California Finance Lenders License, PA: Licensed by Pennsylvania Department of Banking and Securities, VA: Licensed by Virginia State Corporation Commission - License Number CFI-156, OneMain Mortgage Services, Inc. - NMLS# 931153, NY: Registered New York Mortgage Loan Servicer, WA: Consumer Loan Company License - NMLS# 1339418

Operating:over 100 years

As published by the business on its own website; not independently verified.

Enquire about OneMain Financial

Your enquiry goes to the South & Central U.S. Loan Storefront Guide team, who will pass it to OneMain Financial. We only share your details with providers relevant to your request.

Common questions

How much can I borrow?
Their website states personal loans range from $1,500 to $30,000.
What is the interest rate?
APRs range from 11.99% to 35.99% for personal loans, depending on creditworthiness and terms (24-60 months).
Are there origination and late fees?
Yes. Origination fees are $25-$500 flat or 1%-10% of the loan. Late fees are $5-$30 flat or 1.5%-15%.

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Last updated 2026-08-23