OneMain Financial Fletcher Pkwy, El Cajon

Worse customer service. I have called 4 times now and each time it’s a different answer. When you start questioning them they get angry and there tone changes. I have been a non problematic client with no bad history and the one time I need to differ a payment for financial issues, rudeness is what I get. FYI their differ payment doesn’t differ a payment at all. They still take half of your payment and only differ 1/2 of it. They were not very clear on that. Therefore, it’s a partial payment and a full payment deferral.

I had an absurd APR with them of 33%, but that was due to my credit at the time of opening the loan so I don't fault them for that. When my credit improved, I started looking at other options. Got a flyer from them for a 2% APR reduction, not much, but I figured that would be pretty easy. Nope. Ideally I wanted no new loan, just the reduction, and they couldn't do that. Got talked into a $500 loan to achieve the reduction, fine, I can always just turn right back around and make a $500 payment. After a few days of back and forth, I got denied. It's 2%, had they taken the "Lending done Human" approach, and not relied on an algorithm to review the application, maybe it would have been another story. Days later I got another brochure in the mail for a new loan, naturally I inquired and they were a lot more optimistic about getting in more debt. I found the whole experience off putting and looked for another lender. Ended up with Lending Club at 17% APR, still not the best APR but far more aligned with my current improved credit. I didn't feel like OneMain was there to help, it honestly felt more like a cash advance loan. One note on the APR, it was disclosed when signing the loan, but never again did it show on my statements. My credit card has APR listed, along with amount and time if you only do minimum. Just felt like the APR was trying to be hidden.

I needed an auto equity line of credit to pay for an emergency issue. I applied over the phone with a girl named Brittney. While she took my info I realized she had no clue what she was doing. She told me I would hear from them regarding my decision. When I didnt hear back after a day I contacted them. I finally got ahold of Sergio who basically had to to redo my entire packet because she had done it all incorrectly, he also said I would hear back from them. 2 more days and me calling them repeatedly, I hear back, this time from another guy. He informed me I was approved and instructed me to have to added as the lien holder on my truck, which I did. Once it was all complete, I called Sergio. He then told me that there was an issue with my income and I no longer qualified. Nothing changed with my income, they had all this information before hand. Now Im stuck with them as my lien holder and cant go through another bank until they release liability on my truck. This set me back another 2 weeks minimum. So overall they have cost me 3 weeks min and tons of grief due to their incompetence. I would never recommend them to anybody.

In my experience I had no problems with this branch when it came to paying my bill now that my loan is almost paid off, while trying to contact this specific branch about releasing my title information or “proof of permission” so that I can register the vehicle in a different state they dropped they ball. •Cassandra told me it’s too difficult and to just call back while I was at the DMV. (I fell for it) they didn’t want to answer their business phone. I wasted a day off work for this and it wasn’t important to them. •When they did answer, I was told that closing a deal was more important than dealing with the title and an existing customer. But I should leave a message so the branch manager could get back to me. They didn’t even call me back. Then when I called them they were more interested in the tone I took with them rather than the issues at hand. The male employee hung up on me and then right after that the Branch Manager Cassandra hung up on me. I’ve never had an issue with these people or this branch when they need something but the moment you need some assistance they will POOP all over you.

Natalia was Amazing, modified my previous loan, made my payments easier and I was able to make a fresh start on my own. I feel great, the service was wonderful and it didn't take but 20 minutes or so. I recommend One Main Financial for your Financial Loan, Debt clean up, or even come in and see what they can do for you. They are no pressure, straightforward, and to the point. Thank you again, I alleviated so much stress.

This was a good experience. They offer a variety of different loan products for both good and bad credit. Yet it doesn't seem like a fly by night company that does title loans. Everything is explained thoroughly. They made it easy to understand and Natalia was extremely professional. No hard sales but appropriate follow up. It was very fast and easy but not a complete rip off. I would definitely recommend them.

Hello, This was our first loan experience out of buying a car or truck.And let me tell you,it was the very best experience possible.I called ahead and spoke to Our personal loan Specialist Cassandra L.Zazveta, and when my wife and I arrived everything was ready,she was so knowledgeable and well spoken,made us feel like old friends.I will highly recommend One main financial to my family and friends. Thank you for making it so pleasant of a experience.

Dora and Andy were great!!!! simple and easy process. Saved me a lot of $$$$$ getting me out of a bad loan. Will recommend to everyone who needs financial assistance.

Your staff made getting a loan quite convenient she was a pleasure to do business with I’m happy with my payment terms and I would recommend you to people in the future

There are liars don’t believe him There are ran my credit and after that they all say you don’t have good income but there are won’t explain about that there are going to have good customer service at the bank don’t believe that anyone that I say hello and we have a loa👎🏿?