One Main Financial


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One Main Financial

OneMain Financial is an online lender that makes small loans — both single-payment and installment loans — to borrowers with low credit scores. One Main Financial’s rates are as high as traditional payday loans in some cases, and lower than payday loans in others.

OneMain Financial is a new-ish lender with a long history. It began in 1912 as Commercial Credit, which provided loans for building contractors. After changing hands and names several times, OneMain Financial took its current form in 2015.

OneMain Financial now offers personal and auto loans and has more than 1,600 brick-and-mortar locations in 44 states. This review focuses on OneMain Financial’s unsecured personal loans

OneMain’s personal loans are commonly used for debt consolidation, wedding and medical expenses, home improvement projects and auto financing. The lender considers traditional factors such as credit history and debt-to-income ratio when evaluating borrowers.

High rates: OneMain’s starting annual percentage rate of 16.05% is higher than what is charged by some online lenders that cater to people with poor credit, such as Peerform and Avant. OneMain’s rates top out at 35.99%.

OneMain Financial Customer Complaints Summary:

216 Advertising/Sales Complaints
256 Billing/Collections Complaints
8 Delivery Issues Complaints
6 Guarantee/Warranty Complaints
332 Problem with a Product or Service Complaints

Total: 818 BBB Complaints


2.5 out of 5.0 stars


OneMain Financial

2.5 out of 5.0 stars

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Best 2022 Debt Consolidation Reviews

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