Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.0
(55 Ratings)

OneMain Financial Account Review

Advertiser Disclosure

OneMain Financial offers an online account management system that lets you conveniently manage your loan using a computer or mobile device. By logging into OneMainFinancial.com, you can view monthly statements, schedule and make payments, enroll in Direct Pay, and update your contact information. This online account feature provides a streamlined way to stay on top of your financial commitments and ensure your loan payments are handled efficiently.

onemain financial account

Key Features

  1. Access and View Monthly Statements. You can easily view your monthly loan statements online, which helps you keep track of your payment history and remaining balance without waiting for paper statements.

  2. Schedule and Make Payments. The online account allows you to schedule one-time or recurring payments, giving you flexibility and control over when your loan payments are made, ensuring you never miss a due date.

  3. Enroll in Direct Pay. By enrolling in Direct Pay, you can set up automatic payments directly from your bank account, making the payment process seamless and reducing the risk of late fees.

  4. Update Your Contact Information. You can quickly update your personal and contact information, ensuring that OneMain Financial has your current details for communication and account management purposes.

How to create a OneMain Financial account?

Online

  1. Click on Log In. On the homepage, locate and click the "Log In" button.

  2. Select Create Online Loans Account. Click on the link that says "Need to create your online loans account?" to start the account creation process.

  3. Enter Required Information. Fill in your name, account number, the last four digits of your Social Security Number (SSN), and your ZIP code in the designated fields.

  4. Create Your Account. Click on "Create Online Account" to complete the setup process. Your OneMain Financial online account is now ready to use for managing your loan.

Offline

  1. Locate a OneMain Financial Branch. Use the OneMain Financial website or mobile app to find the nearest branch location to you.

  2. Gather Required Documents. Before visiting the branch, make sure you have the necessary identification and financial documents with you, such as a driver's license, passport, Social Security card, and proof of address.

  3. Visit the Branch. Go to the OneMain Financial branch during business hours. You may want to call ahead to schedule an appointment if you prefer.

  4. Speak with a Representative. Once at the branch, let a representative know that you'd like to open a new account. They will guide you through the process and help you choose the right account type for your needs.

Step-by-step registration

  1. Visit the OneMain Financial Website. Go to OneMainFinancial.com using your preferred web browser.

  2. Click on Log In. On the homepage, locate and click the "Log In" button.

  3. Select Create Online Loans Account. Click on the link that says "Need to create your online loans account?" to start the account creation process.

  4. Enter Required Information. Fill in your name, account number, the last four digits of your Social Security Number (SSN), and your ZIP code in the designated fields.

  5. Create Your Account. Click on "Create Online Account" to complete the setup process. Your OneMain Financial online account is now ready to use for managing your loan.

How to log in?

  1. Visit the OneMain Financial Website. Open your web browser and go to OneMainFinancial.com.

  2. Click on Log In. On the homepage, find and click the "Log In" button.

  3. Enter Your Credentials. Input your email address and password in the provided fields.

  4. Click Log In. Click the "Log In" button to access your OneMain Financial account and manage your loan.

How to activate my account?

Activating your OneMain Financial account doesn't have specific official instructions provided, but generally, your account will be activated once you log in for the first time. Simply visit the OneMain Financial website, click "Log In," and enter your email and password. Upon logging in successfully, your account should be considered activated and ready for use.

How to delete my account?

  1. Contact Customer Support. Reach out to OneMain Financial's customer support team via phone or email.

  2. Verify Your Identity. Provide necessary information to verify your identity, such as your account number and personal details.

  3. Settle Outstanding Balances. Ensure that all outstanding loan balances and fees are fully paid.

  4. Request Account Closure. Ask the customer support representative to close your account.

  5. Confirm. Confirm the closure request and ensure you receive a confirmation of the account being deleted.

How to reset my password?

  1. Visit the "Forgot Your Password?" Page. Go to the OneMain Financial website and navigate to the "Forgot Your Password?" page.

  2. Enter Your Username. Provide your username in the designated field.

  3. Choose a Reset Option. You will have three options to reset your password:

  4. Get an Email. Choose to receive instructions via the email address you provided when you created your account.

  5. Answer Challenge Questions. Answer the security questions you set up when you created your account.

  6. Verify Your Identity. Provide your first and last name, account number, the last four digits of your Social Security Number (SSN), and your ZIP code.

Editorial Opinion

OneMain Financial's online account offers a range of practical features that streamline the loan management process for its users. By providing access to view monthly statements, schedule and make payments, enroll in Direct Pay, and update contact information, the platform enhances convenience and user control. The account setup and login processes are straightforward, and password reset options ensure accessibility even if credentials are forgotten. While there is no official information on account activation procedures, users generally find their accounts activated upon first login. Overall, OneMain Financial's online account system is a valuable tool for efficient and accessible loan management.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

FAQ

Can I view my loan statements online?

Yes, you can view your monthly loan statements online by logging into your OneMain Financial account. This allows you to keep track of your payment history and remaining balance.

Is it possible to set up automatic payments through my online account?

Yes, you can enroll in Direct Pay to set up automatic payments directly from your bank account, making it easier to manage your loan payments and avoid late fees.

How can I update my personal information in my OneMain Financial account?

To update your contact information, log in to your OneMainFinancial.com account, click "My Profile" in the top right corner of your Account Summary page, click "Edit Contact Information," update your information, and click "Update."

Offers
OneMain Financial
OneMain Financial Brightway℠+
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $3,000
Rate
i

Interest rate

up to 28.49%
OneMain Financial
OneMain Financial Brightway℠
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $1,000
Rate
i

Interest rate

up to 28.49%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
1500.00 – 20000.00 $
Rate
i

Interest rate

18.00 – 35.99 %
Term
i

Loan term for the financial product

24 months – 4 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.846
(21 Ratings)
Recommended FinScore™
0
300
650
1000
1500.00 – 20000.00 $
Rate
i

Interest rate

18.00 – 35.99 %
Term
i

Loan term for the financial product

24 months – 4 years
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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20.49 – 29.24 %
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
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2000.00 – 100000.00 $
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Loan term for the financial product

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Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.93
(20 Ratings)
Recommended FinScore™
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300
650
1000
450.00 – 12000.00 $
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Interest rate

27.50 – 81.29 %
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Loan term for the financial product

6 months – 3 years
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OneMain Financial reviews 2025
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4.4
Pros
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout. Overall, it was a positive experience.
Complain
4.6
Pros
Their customer service is truly outstanding, characterized by remarkably swift response times. I will unquestionably reach out to them again when the need arises.
Complain
4.4
Pros
Dealing with them is hassle-free, and their customer service is commendable. However, it's crucial to note that their interest rates are exorbitantly high. If you're considering a substantial loan, I would strongly advise giving it careful thought, although if the need is pressing, the interest rates might not leave much room for choice.
Complain
4.4
Pros
I've taken out several loans with OneMain Financial in the past year, and I must say that they stand out as one of the top financial companies I've dealt with. They are not only reputable and highly reliable but also offer absolutely outstanding customer service. My interactions with this company have been consistently positive, and based on these experiences, I can confidently say that they've earned my loyalty as a long-term customer. I'm truly grateful for everything they do to help individuals like me who rely on their services.
Complain
2.4
Cons
OneMain offers loans with exceptionally high interest rates, and while the borrowing process itself is relatively straightforward, they declined my application when I needed a loan for something important. I'm not entirely convinced that I would consider returning to them as a lender unless they significantly improve their terms and rates, which are currently quite disappointing.
Complain
4.4
Pros
One Main has incredibly helpful agents who have consistently been there for me, especially during a series of unexpected crises that occurred while I've been their customer. Their support has made difficult times a bit more manageable, and I am truly thankful for their assistance.
Complain
2
Cons
I requested to defer a payment, but instead, they raised my monthly payment from $470 to $570. I was struggling with the original payment, so this increase puts me in a more challenging financial situation. It feels like my concerns are not being addressed or taken seriously by anyone at the company.
Complain
4.4
Pros
One Main Financial provide outstanding service! I was approved on the same day, and the money was in my bank account within the hour—truly remarkable! Their customer service is top-notch.
Complain
2.2
Cons
Extremely disappointing experience. Their APR rates are unreasonably high, and their customer service leaves much to be desired. They made an error by withdrawing funds from my account a month early, causing it to go into the negatives, and they refused to cover the overdraft fees, despite it being entirely their fault.
Complain
4.4
Pros
This marked my first experience with a personal loan, and the ladies in the office made the entire process exceptionally smooth. They demonstrated remarkable patience in answering all my questions, which made me feel at ease throughout.
Complain
Company rating
3.0
/ 5
55 reviews
Application
3.2
Support service
3.0
Mobile App
3.0
Service quality
3.0
Your satisfaction level
3.0
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