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   Real review of "OneMain Financial" in Jackson, MS!


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All reviews are published without making any changes.



male
  Brian Monaghan sent us his review September 8, 2016.

  Visited address:
  1425 Lakeland Dr #120a, Jackson, MS 39216, USA



"Recently it became apparent that a loan would be needed in order for me to pay off some outstanding debts. I was nervous about applying for a personal loan and so I took my time doing research on the financial companies available in Jackson, MS. Through my research, I came across OneMain Financial. The company formerly went by the name of Springleaf Financial. They are a longstanding company with over 100 years of experience and they have offices in Jackson, MS so they seemed like a good choice.

OneMain Finance, including their Jackson, MS branch, do offer business loans, however, they focus on providing personal loans, which is what I was looking for. Their loans can range from $1,500 to $25,000 depending on your appraisal. I didn’t need anywhere near $25,000, though it’s good to know that they offer larger loans should it be needed in the future.

You can apply for a loan online, where you can be pre-approved before proceeding. This seemed like a quick and easy approach which I liked. However, whilst doing research I had found a few negative reviews concerning this part of the process. It seems that some people have been pre-approved for loans and then disappointed in person when they were told they couldn’t have the loan they’d requested. None of these reviews came from the Jackson, MS offices which were reassuring, though I was eager to avoid a similar situation.

In the end, I decided to go straight to the Jackson branch of OneMain Financial. My reasoning behind this was that at least in person I could ask any questions straight away without wasting precious time. Also, I was a little worried about my credit score which also made me want to find out as quickly as possible if I would be able to get a loan.

When I arrived at the Jackson, MS office I was pleasantly surprised by the professional yet friendly atmosphere. The employees were very helpful and had a personal approach, which helped to put me at ease. Once the process got under way and I had explained my needs, it became clear that applicants need equity, budget and salary in order to be approved for the loan. I can understand how this may make it difficult for some people however thankfully I was able to provide all three for my fairly small loan. My loan advisor explained everything to me in a clear and open manner. The terms of my loan, interest and repayments – everything was covered and I felt able to ask the smallest of questions in order to reassure myself. One thing I will say is that their interest rates are a little high, however, this is to be expected when dealing with average/low credit scores.

Overall, I would recommend the Jackson, MS branch of OneMain Financial. My experience was that if you are open about your situation and are ready to give them the information they need, the loan advisors will do their best to help you."




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