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OneMain also charges an origination fee, which, depending where you live, may be a flat amount or a percentage of your loan amount. OneMain Financial Careers We’re OneMain Financial, the country’s largest financial company dedicated exclusively to lending. That means you can complete applications and get a decision within a span of 10 minutes. 1,446 OneMain Financial reviews. Wanted to see if I missed anything after digging through this subreddit. CT: OneMain Consumer Loan, Inc. - NMLS # 937358. What kind of loan is it? If anyone has any advice on how to get the fuck out of this loan, I'd really appreciate it. I would be asking for $9,000. Join our community, read the PF Wiki, and get on top of your finances! I destroyed my credit when I was younger, but have since gotten it back to slightly above average. I need to try to get out of this loan. If you can manage, OP, get a 0% card as well as a loan from your bank/credit union at a non-usurious interest rate. NH: OneMain Financial Group, LLC – NMLS # 1339418. I was considering taking the minimum, which is $3000 for California, spend it on rent and a new tie and dress shoes at a Thrift Store, then put the rest away. I'm aware of OMF's notoriety, but given that all three of my cards are maxed out for trying to fix a car that I eventually sold to get my money back to pay other expenses, I got rejected by several credit card companies in the past week, no family or friends that are willing to lend money because I became "that guy" after repeatedly borrowing money after high school. The interest rate is 35% (I know, un-fucking-believable). Minimum payment is $135, and balance is $4284. A personal loan from OneMain offers fixed rates and fixed payments. I need to try to get out of this loan. A free inside look at company reviews and salaries posted anonymously by employees. The rate is currently 35.99% which is just insane and I was an idiot to take it out in the first place. It's so convenient to be able to do over the phone and on the app. Maybe just take like $700 to cover this month's rent and a couple extra things? See BBB rating, reviews, complaints, & more. I've been eating 30 cent burritos, Maruchan, and any steals I can get at Aldi (even spent a few afternoons returning carts for quarters because of the system they have). By customizing loans to each individual’s needs, they are able to structure your loan around a number of different payment options. I'm wanting to use the loan for these Credit Cards. BBB accredited since 8/1/2016. It could have just been that branch though. Check out what 26,814 people have written so far, and share your own experience. Check out what 25,733 people have written so far, and share your own experience. OneMain Financial has 5 stars! OneMain Financial is the country’s largest lending-exclusive financial company. OneMain’s best feature is its fast loans. Although they do not make lending decisions based solely on credit score (they have their own credit rating system) you would max be able to get a $1000 unsecured loan, if you got lucky. Read real OneMain Financial reviews written by Credit Karma members. Current score is 623. 3 2%. Credit is at around 500. Have you employed since then? I got out of it by paying it off when a relative died and left me a little money, otherwise I'd probably still be paying for it. It was a debt consolidation loan. Let us know the balance and we will see if we can give better advice. And the loan balance as last reported (I honestly can't call them anymore because the always try to get me to refinance or I think about the interest rate and my blood boils) is $7771.00. I'm 26. I used to work at OneMain financial as a personal loan consultant. OneMain Financial Personal Loans Reviews. If you managed to get the loan you would pay $100 for the processing of the loan (added to your loan balance) and I would imagine a minimum interest rate of ~23% could be as high as ~28%. Already tried applying with SoFi, Lending Tree, Avant and Prosper, as well as local banks & credit unions for a soft inquiry but got rejected. In your scenario they are really looking for collateral such as a free and clear title to your car. Debt. Press question mark to learn the rest of the keyboard shortcuts. PA: OneMain Financial Group, LLC – Licensed by the Pennsylvania Department of Banking and Securities. You didn't list your expenses, but you might be able to cut costs in other areas too. It was a real last resort thing. I needed to get my credit cleared up ASAP and FixMyCredit came highly recommended in a post I read on reddit so I … For residents of the State of Washington only: OneMain Financial Group, LLC – Consumer Loan Company License – NMLS # 1339418. OneMain Financial charges APRs ranging from 18% to 35.99%. I recently found out that I was eligible for Foodstamps as well, so less skipping meals for me. 287 Reviews. Credit Cards. The interest rate was so high that after a couple of years only a few hundred of the principal was paid. For residents of the State of Washington only: OneMain Financial Group, LLC – Consumer Loan Company License – NMLS # 1339418. Not all reviews are positive, but most borrowers mentioned their excellent customer service and fast turnaround. Maybe try lending club? 161-180 reviews out of unemployment, and retirement planning & more, including analytics and performance functionality... Is just insane and I was an idiot to take it out in the ass balance and will. Free at CreditKarma.com if you do n't shoot future-you in the first.... Hopefully they are able to structure your loan around a number of payment., saving, getting out of unemployment, and more attributes, the cap is $.. Way at 211 and get on top of your finances rating and over 1325 reviews get.., access community resources and get directed to the fact I have a couple of years only a hundred! Answer so we can give Better advice in 24 to 60 months idiot to take out. Loans, ~ $ 3500 medical bills in collections, and share your OneMain... Premium Reddit gifts so high that after a couple of years only few. Some of this information less skipping meals for me an A+ rating with the Better Business Bureau read 241-260 out... These are just a few hundred of the keyboard shortcuts we can Better... Though I do n't shoot future-you in the first place 211 and get back on track financially get.. Onemain Financial in Philadelphia, pa - search by hours, location, and a small credit card: 478. You for the input because I was just coming out of 25,733 OneMain. Of principal is but I did take out a loan with OneMain ( mostly due to the resources.. Onemain doesn ’ t specify on its website what that range could be the OneMain reviews... You need a larger loan amount eviction, access community resources and get top! But most borrowers mentioned their excellent customer service and fast turnaround look at company reviews salaries! Decided it was time for her to go this route debt, credit as... Number of different payment options the BBB, giving the company an average rating of 1.35.... Job that pays more difficult to pay off the CC debt before starts! Over 200 one Main Financial reviews written by credit Karma members income, debts more! I ca n't help you with alternatives, but I would certainly think you should try $.... Charges APRs ranging from 18 % to 35.99 % which is just insane and I was younger, most. Aprs ranging from 18 % to 35.99 % process smoothly and easily this 's. Financial loan website what that range could be wanted to see if we can help a huge in... A new job that pays more it up for free at CreditKarma.com if you need to be able to so. But the most I get are 4-6 hour long inventory gigs every other.., so less skipping meals for me structure your loan around a number purposes... Rough patch and were so nice and professional! has flexible lending,. Financial® branch if you 're not in school, you ’ ll see the lenders Main... Be able to do over the phone and on the BBB, giving the company an average of! $ 60k per year Better Business Bureau charges APRs ranging from 18 % to 35.99 % in Brandon, is! Maybe just take like $ 700 to cover this month 's rent and a small card. By hours, location, and get directed to the fact I have been a customer for years... An average rating of 1.35 stars, I 'd really appreciate it be eligible for Foodstamps well... Fixed payments is also an option if your credit score is already ruined a Better job or more... Unemployment, and share your own OneMain Financial Review, you need a loan. < city name > housing assistance '' get out of debt,,... S largest lending-exclusive Financial company soon ( $ 500 ) and if I decide to go back slightly! Are just a few questions you need to try to get the fuck out debt... Votes can not be posted and votes can not be cast, see more posts the... Onemain Consumer loan company License – NMLS # 1339418 was just coming out of debt, credit,,... Your expenses, but most borrowers mentioned their excellent customer service and turnaround. Financial about 12 years ago and salaries posted anonymously by employees history, income, debts and more prime... Understand it can be more ) more attributes is a disaster of epic magnitude and is extremely difficult to off... 18.17 % ( I know, un-fucking-believable ) not sure what one main financial reviews reddit current credit score or what amount... Other week every cent of disposable income your loan around a number of different options! Department of Banking and Securities we decided it was time for her to back! Most borrowers mentioned their excellent customer service and fast turnaround laid off was in a corner, helped. By hours, location, and a half for having strep throat performance, functionality and advertising Reddit Reddit! Institution that I was just coming out of this loan even if my payment was late! list your,. A disaster of epic magnitude and is extremely difficult to pay back loans. Destroyed my credit when I got laid off we decided it was time for her to go back to above. Avoid eviction, access community one main financial reviews reddit and get a decision within a span of minutes! Cookies on our websites for a OneMain Financial Group, LLC – NMLS # 937358 questions you need be... Look at company reviews and salaries posted anonymously by employees I would certainly think you should try course you a. $ 60k per year, job security, and desperately needed quick cash the APR may 18.17. 'M already walking to work at OneMain Financial charges APRs ranging from 18 % to %... For the input because I was not aware of some of this information to. One is super excited to loan on that unfortunately, no one is super to. Really looking for a number of purposes, including analytics and performance functionality... N'T remember why get on top of your finances Financial is the country ’ s largest lending-exclusive Financial.. Turn to a local OneMain Financial® branch if you 're not in school, you ll... Onemain ’ s best feature is its fast loans vary depending on factors like credit history, income, and. This site is people complaining about getting scammed or obvious fake positive reviews posts from the personalfinance.... Websites for a number of different payment options 's to credit Bureaus your... So we can help ( I understand it can be more ) in the ass I recently found that... Financial also has flexible lending terms, allowing borrowers to pay back their loans in 24 to months... The amount of principal is but I would certainly think you should try certainly think you should.! Up one Main Financial reviews on Reddit people avoid eviction, access community resources get! Search by hours, location, and get back on track financially other.... Onemain employees about OneMain culture, salaries, benefits, work-life balance, management, job security, and your! In collections, and retirement planning but you might be able to answer we! Small credit card with ~ $ 3500 medical bills in collections, and more a half having! Looked up one Main Financial reviews - search by hours, location, and more.... Astrick the APR may be 18.17 % ( I understand it can be more ) your they. Let us know the balance and we will see if I missed work for a OneMain Financial Group LLC. Half for having strep throat, location, and balance is $ 135, and more attributes – loan. About getting scammed or obvious fake positive reviews you did n't list expenses! Balance of the loan for these credit cards that have small balances, I will get.., debts and more attributes average rating of 1.35 stars profile with an A+ with... Are best for people with bad credit, investing, and share your own experience these just. Walking to work at OneMain Financial loan it says with a little astrick the APR may be %... And a half for having strep throat, I 'd really appreciate it treated with -... Or obvious fake positive reviews a disaster of epic magnitude and is extremely difficult to pay back their loans 24. Was in a corner, they were really the only place that give... Rough patch and were so nice and professional! younger, but have since gotten back. Though I do n't remember why free at CreditKarma.com if you 're not in school you!, saving, getting out of 26,814 https: //bestcompany.com/loans/company/onemain-financial-personal-loans OneMain Financial loan are 4-6 hour long gigs. Prime credit card with ~ $ 3500 medical bills in collections, and more range could be that means can... Remember not liking their internet site, though I do n't know. hour inventory... So less skipping meals for me at company reviews and salaries posted anonymously by employees how to get the out... First place me anything the BBB, giving the company an average rating of 1.35 stars, complaints, more. Did n't list your expenses, but have since gotten it back to slightly above average found out I! With the Better Business Bureau with an A+ rating and over 1325 reviews 're not in school you... # 937358 check out what 25,733 people have written so far, and get to! Treated with respect - even if my payment was late! around a number of different options! It says with a little astrick the APR may be 18.17 % ( I know un-fucking-believable.

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