OneMain Financial Ringgold Rd, East Ridge

I just want to say that Jenna/Genna however you say her name is very rude and very unprofessional. The experience that we had with her was very unprofessional. She hung up in our faces as we were trying to get confirmation on some information. I hope that you guys get better training for your staff on Customer Service because she is horrible! I would highly recommend going to the supervisor, I believe his name is Mike.

I would not recommend this high interest loan. I was quoted (an already ridiculously high) 24% APR, but after calculating the payments, the APR equated to nearly 35%. If you get this loan, thinking that you will be able to pay it off early, and save on interest, you are wrong. I highly recommend you read the terms of your agreement, because the window is very narrow in which you may be able to get a refund of over paid interest. The following is information that was not available to me until after I got the loan (that I cancelled within the 7day cancellation period) I asked these questions up front, and it was not explained to me in these terms, nor did it equate to the nature of the following information. I was made to believe that I would save on the interest paid back by paying it back early. Thanks Mike Brown, Branch Manager the explanation you gave me was false. The information below was not made available to me until after I took this loan out, so here it is to you before you take this loan out. "Interest and payments Let’s start with a basic question: When is interest on a precomputed loan calculated? The interest is calculated for the loan term all up front when the loan is made and included in the starting account balance. Interest charges do not change. The starting balance of a precomputed loan includes the amount borrowed, the precomputed interest and any prepaid charges (like a loan origination fee) due. Remember, interest is precomputed and already in the starting account balance. Simply divide that by the loan term to get your monthly loan payment. If you don't pay on time you may be charged a late payment fee, your credit report may show the late or missed payments, and if you don’t include applicable late charges in your payment it could extend the time it takes you to pay the loan in full. Because interest for the loan term has already been included within your account balance, you shouldn’t be charged any additional interest when you make a late payment or if you miss a payment. But it’s still important to make your monthly loan payments on time to avoid things like negative credit reporting. The bottom line: If there’s one thing to remember about precomputed interest loans, it’s this: the total interest for your loan term is calculated up front and included in your starting account balance, which is divided by your loan term to determine your monthly payments. As long as you make the regular payments in full and on time, you will pay off your loan as scheduled. If you pay back the loan early, the lender may not have “earned” all the precomputed interest, and you may be entitled to a refund (or rebate). You can check your loan agreement for more details."

From the first loan to the third one OneMain has been there to help me. I never thought I would get the first one, but I did. Two other times I needed money for personal reasons and OneMain was there to help each time. The staff are friendly and wonderful to talk to. I appreciate OneMain for being there to help me every time. Thank you for a wonderful staff and opportunity to improve my credit score.

Absolutely HATE companies that send you PREapproval letters then deny you! This is one them. They were a waste of time by wasting time to send out a preapproval letter then wasted my time to deny me. I would like to let everyone know places I was successful with getting a loan are: World Finance. Western Finance. Solutions Finance. Ridge Loan. & anywhere but One Main Financial. I hope this helps someone. Good day!

The interest rates are absolutely insane. Make sure you read and reread the paperwork before you sign anything. You should never have to pay 35% interest on a loan. They are legal scam artists. Worst loan I've ever taken out in my life.

Jenna really takes care of me. She is professional and knowledgeable. I appreciate her service.

On line process smooth and easy!! Cassandra at Dalton office was professional, friendly and very accomodating. All info clear and concise!! I had to use Chattanooga branch because I have Tennessee license. Arrived there and Cassandra had transferred file to Dakota as promised. Dakota was also professional, friendly and efficient!!! This is a first class organization from their processes to their associates!! On scale of 1 to 10 they are a 15. Absolutely satisfied would recommend to all who need their services!! PHENOMENAL!!!!!!

Never been late or missed a payment EVER!! Even though ive paid double of what i borrowed. When my mom passed and i NEEDED help & had taken some time “off” and was on short term disability (still paying them every payment, btw) ...NOT UNEMPLOYED!!! They constantly have sent me e-mails, sent mail, and call me on a daily basis (borderline Harrasing me) stating that i can borrow more money & to contact them.... so the day i do call & need their help, guess what??? Haha!!! Nope bc i go back to work in 2 wks & since i have been on short term disability paying them everytime..... THATS OK, but its not ok for them to help me out when “I” need them. Even offered to have my employer to fax proof of my return date & current “employed” status!!!! Still no... Wow!!! Just wow!! Sure they take all the money from any means necessary to get a payment, but no matter your credit or payment history with them “(3+ yrs) never late or missed” that holds no bearing & doesnt matter!!! I recommend if your in need of a loan short term you find a more loyal company to its good customers & a place that is more understanding to situations you cant control, and God forbid they ever suffer a loss of a loved one & have to take some time off from work!!! I wont be a return customer, i can guarantee THAT!!!

I am also begging you to look elsewhere for a loan. I was up against a wall and borrowed 6k. I am paying back 12k. And they talk to you like you are the criminal. Oh and let me mention no matter when you pay it back it will still be the full 12k. I wish I could remember the mans name that helped me, I would make.sure everyone in this town knew it. It makes me phaysically sick.

The ppl that work here are very timely and professional! My agent was awesome!