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OneMain

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corymcd88
Valued Contributor
‎08-19-2013 04:29 PM
‎08-19-2013 04:29 PM

OneMain

Does anyone know anything about OneMain? What is the lowest APR and the highest rate? Are they any good? I saw something they are with Citi Bank.

Message 1 of 12
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11 REPLIES 11
maiden_girl
Valued Contributor
‎08-19-2013 04:40 PM
‎08-19-2013 04:40 PM

Re: OneMain

I used to get loan offers from them...

As of 2017, rebuilding...
Message 2 of 12
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pizzadude
Credit Mentor
‎08-19-2013 05:10 PM
‎08-19-2013 05:10 PM

Re: OneMain

@corymcd88 wrote:

Does anyone know anything about OneMain? What is the lowest APR and the highest rate? Are they any good? I saw something they are with Citi Bank.

They offer personal ( unsecured ) loans I believe.   Interest rates typically aren't very good IIRC.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 12
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denver133
Frequent Contributor
‎08-19-2013 05:13 PM
‎08-19-2013 05:13 PM

Re: OneMain

Id stay away.  I took a loan out when being dumb.  I walked out going I shouldnt have done that.  Interest rates are way too high.  

 


My Cards: CSP: $5,000 // Hyatt: $5,000 // Cap1 Venture: $5,000 // US Bank Plat: $3,500 // Discover: $1,000 // AMEX BCE: $1,000 // Lowes: $5,500 // Furniture Row: $3,500 // Buckle Store Card: $750

Current MyFico Scores: EX 687 EQ 696 TU 687 Gardening from 5/15 till 5/16

Message 4 of 12
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namvet
Established Contributor
‎08-19-2013 05:15 PM
‎08-19-2013 05:15 PM

Re: OneMain

They are considered a consumer finance company.  Don't think you want this company on your credit report.  IMO

Message 5 of 12
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zerobacan
Established Contributor
‎08-19-2013 05:24 PM
‎08-19-2013 05:24 PM

Re: OneMain

RUN RUN AWAY!!

 

They are with the bad branch of Citi.... very high interest and tricky ways of doing businesses. Try lendingclub.com, or prosper.com

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 6 of 12
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awiser
Regular Contributor
‎08-19-2013 05:43 PM
‎08-19-2013 05:43 PM

Re: OneMain

@corymcd88 wrote:

Does anyone know anything about OneMain? What is the lowest APR and the highest rate? Are they any good? I saw something they are with Citi Bank.

I have a loan with them. My interest rate is 25% which is highway robbery IMO. They gave me a loan back when I was in a sticky situation with a car loan I was upside down on - the car was dead..  Anyway, I'd either look elsewhere or go into it with the intentions of making double payments. When my bro got an offer I talked him out of it in a hurry. Best of luck to you.


Message 7 of 12
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Guyatthebeach
Valued Contributor
‎08-19-2013 06:52 PM
‎08-19-2013 06:52 PM

Re: OneMain

Avoid them at all costs. OneMain Financial is owned by CitiBank and is nothing more than a consumer finance company. They typically charge up 35.99% on unsecured loans. They are very deceptive with their APR and fee pricing.  You are better off getting a cash advance on your credit card.

Message 8 of 12
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silverzgirl
Regular Contributor
‎08-20-2013 05:14 AM
‎08-20-2013 05:14 AM

Re: OneMain

Subprime and completely not worth it. I have read 36 percent APR is an average.

 

My score must be better because I have not received anything from them (or Capone rebuiliding letters) in a couple of weeks.

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742 EQ-710 TU-709

Currently: NFCU Platinum Visa 18K, BECU Visa 15K, Navchek 15K, Vystar+ CU Platinum Visa 10000, AMEX Delta SkyMiles 9K, Military Star 8200, Nordstrom VS 7800, Macys 7600, Lowes 6K, Pier 1 6K, Mohawk Floor 4500, TJX Mastercard 4K, Pottery Barn 4K, Amazon 3600, Talbots 3000, Barclaycard 2400, Ann Taylor 2280, Ballard Design, 1500, Victorias Secret 750, NY&CO 500, J.Crew 300



Message 9 of 12
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awiser
Regular Contributor
‎08-20-2013 05:40 AM
‎08-20-2013 05:40 AM

Re: OneMain

I don't think scores matter with them. My entire family gets offers from them and our credit profiles and scores are all vastly different.

Message 10 of 12
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