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OneMain Financial

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 55 Google reviews · How we rank ›

4.3(55) 70 composite score See reviews on Google ✓ Google-verified Publishes prices
Mortgage & Home LoansPersonal LoansPayday & Cash AdvanceSpanish-Speaking Service
OneMain Financial
Services
Mortgage & Home Loans, Personal Loans, Payday & Cash Advance
Reviews
55

What recent reviews say

Many borrowers report quick approvals and friendly staff handling, especially staff named Victoria, Logan, Ashton, Marlene, and Veronica. However, the loan itself often costs far more than expected: interest rates run 20% or higher, origination fees add $25 to $500, and reviewers warn that total repayment can reach four times the borrowed amount. Some found staff unwilling to accommodate paperwork timelines, and collection calls come promptly for any missed payment despite years of on-time history.

Praised for
  • fast funding and approvals
  • helpful and friendly staff
  • clear explanations and professional service
  • debt consolidation options
Watch-outs
  • high interest rates (20-36% APR range cited)
  • difficult paperwork process and staff cooperation issues
  • aggressive collection calls for missed payments
  • expensive total repayment; compound loan structure concerns
helpful-staffquick-fundinghigh-interesthidden-feeslong-wait-timesfriendly-staffprofessional-service
Best for: Borrowers needing quick cash who have exhausted lower-cost alternatives and can afford 20%+ interest rates.
Think twice if: Compare rates elsewhere first; total cost of borrowing is very high, and company is aggressive about collecting on missed payments even for reliable customers.

Strengths

  • same-day or fast funding
  • pre-approval letters mailed to qualified borrowers
  • staff willing to explain loan terms in detail

Worth knowing

  • Staff named Victoria V., Logan, Ashton, Marlene, and Veronica praised for helpfulness and professionalism
  • Bryant Irvin branch mentioned in Fort Worth
  • Origination fees $25 to $500 flat, or 1% to 10% of loan amount
  • Loan terms 24–60 months available
  • Company requires full coverage auto insurance on collateral vehicles even if paid off

What reviews say by service

Personal Loans
Fast approvals and debt consolidation praised, but reviewers warn about 20%+ interest and high total repayment cost.
Same-Day / Fast Approval
Same-day or next-day funding commonly cited; pre-approval letters sent to qualified borrowers.
Bad Credit / No Credit Check
Serves borrowers with poor credit but reviewers caution the company's compound loan structure can make bad credit worse long-term.

How it compares

  • Rated 4.3 against a 4.49 average across the 424 mortgage & home loans businesses listed here.
  • Has more Google reviews than 50% of the businesses in this directory.

How we scored this

How We Rank
Star rating 58
Review volume 76
Review recency 100
Review sentiment 48
Profile completeness 100
Verification 30

Rating breakdown

5
43
4
2
3
1
2
2
1
7

Contact

Address
4608 Bryant Irvin Rd #411, Fort Worth, TX 76132
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 loansCredit cardsInsuranceMortgage payment solutions
Published prices
Personal loans
from $1,500 – $30,000
Loan terms
24–60 months
Fixed rates
11.99% – 35.99% APR
Origination fees (flat)
$25 to $500
Origination fees (percentage)
1% to 10% of loan amount

Credentials claimed:NMLS# 1339418 (OneMain Financial Group, LLC), California Finance Lenders License (CFPB regulated), Pennsylvania Department of Banking and Securities licensed, Virginia State Corporation Commission License CFI-156, NMLS# 931153 (OneMain Mortgage Services, Inc.), New York Mortgage Loan Servicer registered, Washington 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

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Common questions

How fast can I get approved and funded?
Reviewers report same-day or next-day funding; some received pre-approval offers by mail before applying.
What interest rate will I pay?
Their website lists 11.99% to 35.99% APR, plus origination fees of $25–$500 flat or 1–10% of the loan amount. Individual rates vary by creditworthiness.
What if I miss a payment?
Reviewers note the company calls promptly if you miss a payment, even if you have years of on-time history.

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Last updated 2026-08-23