topic OneMain in Credit Cards

OneMain

corymcd88 — Mon, 19 Aug 2013 23:29:45 GMT

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.

Re: OneMain

maiden_girl — Mon, 19 Aug 2013 23:40:22 GMT

I used to get loan offers from them...

Re: OneMain

pizzadude — Tue, 20 Aug 2013 00:10:23 GMT

@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.

Re: OneMain

denver133 — Tue, 20 Aug 2013 00:13:22 GMT

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.

Re: OneMain

namvet — Tue, 20 Aug 2013 00:15:41 GMT

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

Re: OneMain

zerobacan — Tue, 20 Aug 2013 00:24:45 GMT

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

Re: OneMain

awiser — Tue, 20 Aug 2013 00:43:07 GMT

@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.

Re: OneMain

Guyatthebeach — Tue, 20 Aug 2013 01:52:11 GMT

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.

Re: OneMain

silverzgirl — Tue, 20 Aug 2013 12:14:06 GMT

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.

Re: OneMain

awiser — Tue, 20 Aug 2013 12:40:31 GMT

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.

Re: OneMain

Shogun — Tue, 20 Aug 2013 13:40:35 GMT

Run away. From my personal experience with them, if at all possible do not do business with them. I'm having problems with the final payoff with them them on a loan that was originally through Citi Financial Mortgage, and then bought by One Main. None of their records match and their CSR is next to worthless.

Re: OneMain

tld409 — Tue, 20 Aug 2013 14:29:16 GMT

@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.

Avoid at all cost! I had a loan with them when I first started rebuilding. My loan which was around 6k was reported as 13.4k on credit reports. They add all interest on top of loan as soon as you sign on the dotted line. My credit was still improving and after 3 months later, I chose a pay off. I couldn't believe that after paying nearly double the scheduled due amount for 3 months, my payoff was 7k! I balanced transferred the 7k on to a CU visa at 0% for 18 months and closed the One Main account. Thank goodness I was able to do this because who knows how long I would have been paying that account off.