Is OneMain Financial legit?

Yes, OneMain Financial is a legit financial service.

Average rating: 3.87 / 5
Weighted average rating: 4.63 / 5
Based on 60584 reviews from 6 sources

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Positive highlights

This was a great experience, and they made every step simple. I was very impressed by their professionalism, and really the whole process. Thank you again to one main!


They made my experience very smooth, easy and worked with me to get the loan approved. Best experience ever with a lending company. I will go back again if I ever need another loan. I highly recommend contacting OneMain Financial for all of your Loan needs.


The staff I interacted with on several occasions were very helpful and pleasant. I started the auto loan at the dealer but unfortunately, we had to complete it later as it was a holiday and OneMain closed early. Otherwise, the process was fairly easy once I figured out how to upload all the documents and followed up the next day to complete and sign the loan on the phone.

Negative highlights

Pre-qualification doesn't allow borrowers to preview potential rates.


Limits only up to $20,000


Borrowers cannot use loan funds for business purposes


OneMain Financial has been included in the following lists

Full review

OneMain Financial is a financial services company that offers personal loans, credit cards, and other financial products to consumers. But is OneMain Financial legit? In this review, we will take a closer look at the quality of service, reviews from real users, customer support, key features, pros and cons of OneMain Financial, and provide a conclusion on whether or not it is a legitimate financial service.

First and foremost, it is important to examine the quality of service offered by OneMain Financial. In this regard, the company has received mostly positive reviews from customers. Many praise the company for its flexible loan terms and quick application process, as well as its friendly and helpful customer service representatives.

One of the key features of OneMain Financial is its wide range of financial products and services. In addition to personal loans and credit cards, the company also offers insurance, investment products, and other financial services to meet the diverse needs of its customers. This makes it a one-stop shop for all of your financial needs.

In terms of customer support, OneMain Financial has a team of dedicated support professionals who are available to assist customers with any issues or questions they may have. The support team can be reached via phone, email, or live chat, and is known for its prompt and helpful responses.

Another key feature of OneMain Financial is its secure and reliable online platform. The company uses state-of-the-art security measures to protect the personal and financial information of its customers, ensuring that all transactions and interactions are safe and secure.

One of the main pros of OneMain Financial is its flexible loan terms and quick application process. The company offers a variety of loan options, with terms ranging from 12 to 60 months, and the application process is fast and straightforward. This makes it a great option for those who need financial assistance in a pinch.

However, there are also some potential cons to consider when it comes to OneMain Financial. For one, the company has relatively high interest rates compared to some other lenders, which may make its loans less affordable for some borrowers. Additionally, the company does not offer a rewards program for its credit cards, which may be a drawback for those who are looking for added incentives for using their cards.

In conclusion, OneMain Financial is a legit financial service provider. It offers a wide range of financial products and services, with a focus on personal loans and credit cards. The company has a reputation for providing excellent customer service, and its online platform is secure and reliable. While there are a few potential drawbacks to consider, overall, OneMain Financial is a solid choice for those in need of financial assistance or looking to manage their finances more effectively.