OneMain Financial in Charlotte, North Carolina

Very easy and fast, I went there 4:30pm. Had my money deposited the next morning. Michele was very helpful and friendly.

They RAN MY CREDIT TWICE. They also do not know what they are talking about. James told us we could use our car as collateral on a loan even though it had a lien on it, then proceeded to tell us we couldn't use it the following day. Then another employee called us and said we were approved and would only need to sign papers. THE MOST FRUSTRATING PART IS THAT THEY CLAIM TO OFFER LOANS TO HELP YOUR CREDIT BUT THEN THEY RUN YOUR CREDIT MULTIPLE TIMES. I do NOT recommend OneMain Financial and after this experience, nothing will EVER make me recommend them. I'd like to note, there was NO REASON for them to run my credit twice. NONE.

Terrible institution. They quoted me an APR with a monthly payment that calculates out to an APR that is 10 points higher. When I questioned Michele about this her response was “I don’t know.” I’m guessing this place bait and switches using hidden fees and prays on people who they think can’t do simple math. This place is about as transparent as a brick wall.

I don’t even know where to start. A loan was granted to me which ended up allowing me to refinance my car loan with One Main Financial in Oct 2018. Around March 2019 a called was placed to me from a representative from OMF stating the paperwork for my Title was not properly obtained and they would give me a call the next day with further instructions and details. By July, I received a call from Lauren who is new to the OMF Northlake Branch stating they need a power of attorney paperwork from my father who lives in IN. The following week after speaking to her about my father being hesitant, I received a letter from Lauren representing OMF stating that my loan will go into default if I don’t submit the proper documentation.... 9 months after I was granted the loan. I found this to be unethical to grant a loan to someone and that person has never been late on the loan to suddenly threaten them to be in default against the loan terms. Finally, at the beginning of August, all the necessary paperwork had been finalized on my end and my father’s end with his POA for the car Title registration. I tried paying my car tags online and it said I was blocked. I gave it a week and tried again. On the last week before they were due, I called Lauren to ask her why I couldn’t pay my tags. I received an apology email that for several weeks now, they have been holding on to my paperwork and had not submitted it to the DMV because their branch was “got very busy”. The DMV told me it would take 2-4 weeks before the paperwork is processed. I emailed Lauren and asked if they would reimburse me for the late fees and she didn’t have the decency to ever reply. I filed a formal complaint with the executive office, to which they eagerly agreed to pay my late fees, but the woman failed to send me an email like she said she would so I could submit the fee reimbursement request. So I had to write them again for her information to send the fees. I wrote Lauren two weeks ago and she still hasn’t replied. I DO NOT recommend One Main Financial and their sketchy way of granting loans without proper documentation. Lauren even said to me on the phone, “You are not the only one this has happened to at this branch prior to me getting here.” I am so over this company!

I was assisted by Michele, who provide above excellent customer service. Will recommend this location for your financial needs.