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Days after i applied for a personal unsecured loan with my financial institution( in whom denied me a loan of 6,000 loan with monthly payments of 280.00a month due to my credit being a 700 and not a 720) i received a pre- approved screening in the mail from OneMain. I was shocked after doing my research on them and of course people in the world get mad and post things that they don't mean out of anger.Yet, i personally would rather see it for myself because seeing is believing. I called a about 10 times in a week and they never answer the phone basically forcing you to go into your nearest branch. So, I still decide to go in the near branch and ask questions and see what the pay back amount would be and of course the normal Q&A a lot of us would love to know. I entered in to there Fort Lauderdale location. Upon arrival the location was very lovely and the environment very peaceful and easy to locate. I walked in and waited for about an hour while staff walked by me and none of them asked me "If I am being assisted or helped? or How can they help me?" After about an hour and a half of watching them laugh, joke around and flirt with one another I decided to ask a staff member if they had time to stop talking about their sex life and help me because I had a few questions. The staff looked at me as if i were the one being rude. One guy walked up and said he can take me now. So, I followed him into his small work area and the first things her asked me for before my name was: 1. What is your social Security Number? 2. How much of a loan do you need? 3. What do you need the money for? I looked at him and said " I did say I had some questions, RIGHT!!!!! HELLOOOOOOO!!!!!!! still at no point did he bother to ask me my name so, he can address me properly. He started rambling on in all different directions but never fully answered my questions. So i went on to ask him if i can first see their contract before I start giving out my personal information because i have been a victim of fraud in the pass hits why i am careful with my personal information. He once again asked me for my social and other personal information. Finally, I got feed up and told him to have a nice day. While i was departing towards the front door the manager walked up to me and asked if i had a great experience and if they were able to assist me today and i bluntly told the manager no and he needs to hire smarter people. He asked me to follow him and see if he can help me. After about another 45 minutes of my beautiful life I finally got the answers I was looking for. I was also allowed the time to read their contact and other information provided to a person upon signing their life away. They switch up the termonlogy a bit but i am a well educated person and caught on. As they smile in your face, and while most are desperate to get the loan many do not read the fine print that basically says (YOUR LIFE AND ALL YOUR MONEY WILL COME TO THEM) - just in-case your wondering if the devil is real, YES the devil is OneMain lending in the flesh-

what can be a 2 year loan in my case for 6,000.00 i would end up paying them about 6,000 more on top of the loan and if your even late they will rack up n the late fees and send you to collections days after your late. This loan can turn into a 5 to 6 year loan if you are not careful I recommend you read everything before signing.

If i would of been approved by my bank i would have been paying back 6,720 in a 24 month period for the loan i needed. so $720 bucks would of went to the loan HUGE DIFFERENCE. I am now positive that the people complaining on this page are not angry, upset, or anything else. I am positive that they are being robbed and lawyers should look into this. So who ever reads this please guard your information with your life because these people might just be attacking your credit and robbing you of your hard earned money. I know times are hard and you might want to consolidate your credit cards and feel the burden of high interest rates lifted off your shoulders but this place would be the wrong place to get help.

Reason of review: everything is wrong with this place .

Preferred solution: i would like for this place to be honest and not rob people with their fine print. They need to hire staff that are not walking by people laughing and talking about their sex lives. They also need to work as a bank and not as a bookie from Las Vegas .

OneMain Financial Cons: Rude staff, Way i was talked too or handled, Customer service.

Location: Fort Lauderdale, Florida

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