OneMain Financial, Oxnard, CA

The worst company to obtain a personal loan. Used my car as collateral. They take advantage of you if they know you have less than perfect credit, by approving you for high interest loan. I made 7 on time payments and only $700 went towards principle. They were never up front about that, or I would have never gone with them. I finally eased my stress level and got rid of the loan by trading my car in for a newer car with a better finance company. These guys provide horrible customer service, . Find an alternative but by all means, avoid this company!!

Ivonne was great! The process was fast and she was honest about my options! Thank you

Was helped out by Anna “Assistant Manager” I came in as an appointment and was told wait till Anna arrive from her break. Liz had me sit and wait in their “open concept” office space. Waited 10mins till Anna arrived. Upon arrival, Liz told Anna “your appointment is here”. ANNA then sat at her desk and proceeded to work on the computer. Anna came up to me and about 10mins later and asked for my ID & pay stub. I gave her both and she went to make copies. Came back to give me ID & paystub back. Now let me remind you, before this appointment, I talked to Anna and told her I was not going to put my car up for a lean… I did not want to put my car up for a lean hold to get a lower APR or any other offers they had. I just needed a quick 3k loan. Now when she came to give me my ID & paystub, she asked me for the vin of my vehicle to ,”confirm the vehicle is mine”. I then came back give her my vin to my car. So now I finally sat down with Anna at the her desk. She then went over how much i was currently paying in rent (wrong amount) and how much I was spending a week (also wrong amount). I then corrected her of both of the amounts she enter was wrong and she told me that it might be a deal breaker ; once the info is entered she’ll need a change of approval from their supervisor. I said “that’s fine I’m not in a rush”. She also asked if I wanted to put my car up for a lean holder to get a higher loan and better APR. I declined again. Anna then ask for two forms of proof of address. I told her I could email her the documents later on the day because I didn’t have them in hand. She said that was fine. I then left. Went home and sent the documents to the email that was given to me on her business card she gave me earlier that day. The next day comes and I didn’t receive a phone call. Therefore, the day after I call to see an update on the forms I sent. I spoke with a lady (cant remember name) and she replied that Anna was busy with another appointment and it looks like she could close the deal soon but I would have to come in Monday. I couldn’t do Monday due to my work schedule. So the lady said she’ll call me back with a set time. I waited 3hrs and got no call back. I then called to see what was the hold up. Liz answers and I explain again to see an update on the loan and Liz states the same thing that the girl told before on the phone. Liz also says that “they never received my forms of residential proof. I then resent the documents again. I explained to Liz is there anyway today (Friday) Anna could close the deal cuz of my work schedule. Liz said I’m just going to have to wait till Monday because Anna is leaving after her current appointment. I replied “okay” then hung up. I called back about 5mins later and Liz answers again. I asked Liz if there was anyone else that could help me close the deal if Anna can’t? I explained to Liz that that Anna never asked me my correct amount I spend in rent and my weekly amount. I said “I’m not trying to sound rude but could you have someone that will actually help me get a proper loan?” Liz said ,” let me call you back.” Liz called me back about 5mins later stating my loan was not accepted and I’d receive a letter in the mail. I said “okay” and hung up again. I then check my credit karma and it shows I’m -5 now from OMF now !!! All BECAUSE SOMEONE CANT DO THEIR JOB CORRECTLY!?!?!? Very UNPROFESSIONAL

Total waste of my time, I was told I was approved then denied all in the same day. Valued my car at way lower than Kelly Blue Book. Do not waste your time and go thru your bank or another financial company.

I qualified and was preapproval for financial services. Majority was down over the phone. Person seemed very pushy but I gave them benefit of doubt. They did keep their word when they stated they are able to verify employment without direct contact with employer. Day of finalizing, person requested my supervisor contact info. After I completed forms on phone , person stated they will contact me back. Fail. Once I completed all forms and called back to follow up. Line did not pick up and voicemail full for remainder of day. Following day, I dropped by after work to bring to attention, unable to make contact. Person responses " well, it went thru and you got what you needed right"? I almost lost it. Ana overheard and redirect to address my concerns. Yvonne Shame on you! Greedy, Unprofessional!

The worst company to obtain a personal loan. Used my car as collateral. They take advantage of you if they know you have less than perfect credit, by approving you for high interest loan. I made 7 on time payments and only $700 went towards principle. They were never up front about that, or I would have never gone with them. I finally eased my stress level and got rid of the loan by trading my car in for a newer car with a better finance company. These guys provide horrible customer service, . Find an alternative but by all means, avoid this company!!

Was helped out by Anna “Assistant Manager” I came in as an appointment and was told wait till Anna arrive from her break. Liz had me sit and wait in their “open concept” office space. Waited 10mins till Anna arrived. Upon arrival, Liz told Anna “your appointment is here”. ANNA then sat at her desk and proceeded to work on the computer. Anna came up to me and about 10mins later and asked for my ID & pay stub. I gave her both and she went to make copies. Came back to give me ID & paystub back. Now let me remind you, before this appointment, I talked to Anna and told her I was not going to put my car up for a lean… I did not want to put my car up for a lean hold to get a lower APR or any other offers they had. I just needed a quick 3k loan. Now when she came to give me my ID & paystub, she asked me for the vin of my vehicle to ,”confirm the vehicle is mine”. I then came back give her my vin to my car. So now I finally sat down with Anna at the her desk. She then went over how much i was currently paying in rent (wrong amount) and how much I was spending a week (also wrong amount). I then corrected her of both of the amounts she enter was wrong and she told me that it might be a deal breaker ; once the info is entered she’ll need a change of approval from their supervisor. I said “that’s fine I’m not in a rush”. She also asked if I wanted to put my car up for a lean holder to get a higher loan and better APR. I declined again. Anna then ask for two forms of proof of address. I told her I could email her the documents later on the day because I didn’t have them in hand. She said that was fine. I then left. Went home and sent the documents to the email that was given to me on her business card she gave me earlier that day. The next day comes and I didn’t receive a phone call. Therefore, the day after I call to see an update on the forms I sent. I spoke with a lady (cant remember name) and she replied that Anna was busy with another appointment and it looks like she could close the deal soon but I would have to come in Monday. I couldn’t do Monday due to my work schedule. So the lady said she’ll call me back with a set time. I waited 3hrs and got no call back. I then called to see what was the hold up. Liz answers and I explain again to see an update on the loan and Liz states the same thing that the girl told before on the phone. Liz also says that “they never received my forms of residential proof. I then resent the documents again. I explained to Liz is there anyway today (Friday) Anna could close the deal cuz of my work schedule. Liz said I’m just going to have to wait till Monday because Anna is leaving after her current appointment. I replied “okay” then hung up. I called back about 5mins later and Liz answers again. I asked Liz if there was anyone else that could help me close the deal if Anna can’t? I explained to Liz that that Anna never asked me my correct amount I spend in rent and my weekly amount. I said “I’m not trying to sound rude but could you have someone that will actually help me get a proper loan?” Liz said ,” let me call you back.” Liz called me back about 5mins later stating my loan was not accepted and I’d receive a letter in the mail. I said “okay” and hung up again. I then check my credit karma and it shows I’m -5 now from OMF now !!! All BECAUSE SOMEONE CANT DO THEIR JOB CORRECTLY!?!?!? Very UNPROFESSIONAL

Very difficult loan process at the Oxnard branch. Loan application still pending after 7 days... I was never called back after applying to refinance my loan. (I've been a customer for 3 years, never missing a payment) I left numerous messages. The only time I was able to speak with my representative was when she happened to answer the phone, then she was courteous and kind but never followed through. She asked me to email my income verification a week ago and I never heard back from her. Whenever she said she'd call me back, she never did, I had to be the one to contact her. it seemed like she had to keep being reminded of my pending application, it kept getting put on the back burner. Finally i was told i didn't qualify, so i submitted an application with an online 3rd party loan broker... GUESS WHAT?! I was approved for One Main in the amount i had previously requested. I have decided not to move forward with OneMain. Not a good way to treat a loyal customer that has paid them thousands of dollars in interest.....