High origination fees: While many personal loan lenders don’t charge origination fees, OneMain Financial does.This is important because paying late fees adds to the total you must repay. At the high end, the fees are fairly average but not excessive. Low minimum late fees: If you forget to pay, One Financial’s late payment fees are on the lower end.Not all personal loan lenders allow co-applicants, but OneMain Financial does. Co-applicants allowed: Adding a co-applicant may improve your odds of qualifying for a loan or a larger loan amount.OneMain primarily lends to those with a credit score of 619 or lower. Works with less-than-stellar credit: Many lenders may turn away borrowers with poor credit or without a solid banking history or accounts.OneMain’s pre-qualified offer lets you get a rate quote without a hard pull. Pre-qualification is available: If you're someone who already had lower credit, shopping for personal loans that perform hard credit checks could ding your score even further.With these improvements, it can make the process more efficient. In short the phone service and mobile app are not sufficient and needs a lot of improvement.

Another reason why having the debit card payment option as a second source of online payment, because it will update within 24 - 48 hours. And why after your payment posts, it takes so long for your balance to update. This feature does not work using the automated pay by phone and the customer service agent asked stupid questions over and over again asking how I was trying to access it! DUH!!! How idiotic. BrightWa圜reditCard would also be good if you could add your debit card as a second payment option. I have had to go through the OneMain site to get my card information.

I have had to delete it, reinstall it, delete it and reinstall it, and half the time that did not work. This would be a great app if it worked on a regular basis. Love the card, don’t like BrightWa圜reditCard and automated phone service too much. Maybe, whenever that’ll be, I’ll be able to use my card. I was told a website would be up sometime for the credit card. There’s no point to call as ask for assistance because that has always gotten me NOWHERE also. To this day, and again just now, uninstalling and reinstalling and resetting the password has gotten me NOWHERE. I’m glad I was approved for the credit but it’s unfortunate that it’s useless to me. I have a card and i had to activate it through the phone but I refuse to use it if I can’t follow the charges made and if I can’t make payments as needed. I am still waiting on the call from nearly 2 months ago now. Then I was told that the representative would have management contact me to help. Then I was told I’d have a ticket made for my account to have the issue addressed. Then told to reset my password through OneMain Financial Website but don’t login in there and to go back to BrightWa圜reditCard and login. During multiple different conversations over the first month I was told to uninstall and reinstall. I was patient at first and willing to talk and figure out why I could not access BrightWa圜reditCard. I have never been able to login to BrightWa圜reditCard. I was approved for the card back in December 2021.

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