OneMain Financial in Panorama City, California

I applied for a loan almost 2 years ago did not have a perfect credit and it was approved after One Main notified me that I had negative item on my credit history that it shouldn't be in the report by law. I'm very happy this bank provide me this information because I fix it and after several months I star getting credit offers from the big banks. Good service at the branch excellent customer service. Highly recommend it!!!!

I dont even know how their business model is legal. STAY AWAY!!!

Waste of time. If your approved online it means nothing until you go through the branch the site selected this branch. Have more than enough monthly income to pay $160 payments a month states I don’t have enough income. When I have $1,000 additional income a month. Asked if I lowered the amount would that be efficient. I was told no, no matter what I would need a co-signer waste of time! So don’t excited if you get approved was hoping to get a car repair and they made it as difficult as possible. *Update 7/04 I still stand by this review. I applied with them to get my car fixed which they did not approve as I stated above. Because of that I kept getting minimal work done to keep it running. So the mechanic tells me I need to get this issue fixed or this patch work is going to be a lost. I decided to re-apply this year at another branch. I got approved for the loan that was higher than what I asked for at this location, with less reported income because I chose not to add my side job as part of my monthly income. Try the Van Nuys branch instead.

Ok, grant it that I should know better when it comes to my finances but still, they offered to help me in the first place. I had received a letter and approval card from OneMain for up $10,000. When I went in, I had the paperwork that was asked of me in the letter, check. I also had proof that I was a veteran as well as knew my credit score; which, by the way, they say that there's no minimum when it comes to your credit score, yeah right. The young lady I first spoke to was very sweet and helpful so this one star is for her and her alone. She asked me what amount I would like to borrow and I asked for $5000; I had did the math and I definitely would've been able to make my monthly payments with no issues what so ever. She filled out my application but got stuck with one issue, I needed a co-signer with pay stubs. I, unfortunately, just started my job and obviously didn't have them myself. I was like ok as well as thanked her, sorry cannot remember her name, and left to ask my sister-in-law would help me out and she was more than willing to do that for me. We came back a few days later, when she had time, and I asked for the young lady but she was at lunch. The gentleman at the front desk said that another associate could help us out and so we ended up with this woman that from the beginning, I felt like she really didn't want to do anything let alone help others. Maybe it was just me but that's how I felt. She kinda made a face when I said that this was my sister in law. My sister-in-law just happens to be an African American and I'm Latina. Anyway, I brought back all the paperwork from before as well as her pay-stubs. She started going through the pay stubs trying to something specific: hello, pay stubs are pay stubs, they're not going to have all your financial information, just from that work week or month, not the entire year. Then she asked for my sister in law's social to see her credit score. My sister in law told me it was no good and I told her it shouldn't matter here. The next thing we know my application was closed and that we will receive a letter explaining why. Two days later, I got the letter and it mentioned nothing specific about why my application was closed. You know, all of this could've been avoided if they had never sent me that stinking letter in the first place. They had all my information before they sent that letter, idiots!

The interest is high. They are basically loan sharks. I paid this loan back and they still debited my account. I went to the local branch and waited for two days for a check. They wanted me to wait a month to receive a refund. So they charge crazy interest and want to hold my money hostage without interest for paying them back early. I had to file a dispute with my bank to get my money back. Terrible company and clueless staff.