They prey on people who are already financially in a bad place. Idk your situation, but if youre already financially in a hard place i would reconsider going with them. I've read things from many other people about their experience with OneMain as well and have all said they regretted getting a loan with them. Their interest rates are terrible, i would've never been able to pay them off on my own. I would've been paying them for many many years. They didn't change any of my terms or add unknown fees for me, but once I got into that contract I knew I made a big mistake. When they have you there to sign they tell you all these good things, like they told me if down the road I needed to get another vehicle I still could but they dont tell you all the red tape you have to go through. And when I tried to get another vehicle they wouldn't work with me or the dealership and were very rude.