Lender
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.

3.0
(55 Ratings)

OneMain Financial PayOff

Advertiser Disclosure

Repayment of loan

OneMain Financial offers various ways to pay off your loan. You can proceed with your payback through ACH, online, in a branch, by mailing your check, OneMain Mobile App, or participating retailers. Online repayment can be one-time or by recurring payments through Direct Pay.

Conditions of loan extension

You can extend your loan payment by contacting your local OneMain branch to help you with the procedure. OneMain Financial has a late payment policy with a 7 to 15 days grace period. You may also change your due date and ask for a loan delay to stop repayments without penalties, but it will result in a lower credit score.

Early payoff

Paying off your personal loans early will not incur you a prepayment penalty. You can make a one-time payment for the remaining sum to pay off your loan early or make a one-time payment to your regular monthly payment.

OneMain Financial repayment

FAQ

How do I make a payment on OneMain Financial?

OneMain Financial makes it easy to pay off your loan. You can make monthly payments on your loan via the internet, in your local branch, by phone, through the mail, or using the OneMain Mobile App with your registered account. Direct Pay is another option for making one-time or recurring payments.

What happens if you don't pay back OneMain Financial?

If you don’t fulfill your obligation to pay back your loan, it will usually result in a bad credit score, and you won't qualify for the best loan options in the future. If you continue to neglect your obligations over a long time, OneMain Financial can file a lawsuit for a breach of contract and may require you to pay off using your salary.

Is there a penalty for paying off the OneMain Financial loan early?

You can pay off your personal loan early at any time, and OneMain Financial will not charge you a prepayment fee.

Can OneMain Financial sue you?

Yes, OneMain Financial can hire a lawyer to sue you for breach of contract. Please do not disregard the case; you may have grounds. If you default, the institution may take your salary or even take you to court.

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3.846
(21 Ratings)
Recommended FinScore™
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300
650
1000
1500.00 – 20000.00 $
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Effective interest rate on the product

18.00 – 35.99 %
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Loan term for the financial product

24 months – 60 months
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Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

to 28.49 %
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Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

to 28.49 %
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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
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Effective interest rate on the product

up to 28.49%
OneMain Financial
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Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
up to $1,000
Rate
i

Effective interest rate on the product

up to 28.49%
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Calculate loan payments in OneMain Financial

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OneMain Financial calculator
Interest rates are given in accordance with the rates of the OneMain Financial of 12.06.2024
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All OneMain Financial’s reviews by june 2024
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4.4
Advantages
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
Advantages
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
Advantages
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
Advantages
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
Disadvantages
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
Advantages
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
Disadvantages
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
Advantages
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
Disadvantages
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
Advantages
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
Overall company rating
3.0
/ 5
55 reviews
Execution of an application
3.2
Support service
3.0
Mobile app
3.0
Service quality
3.0
Your satisfaction level
3.0
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