OneMain Financial

Installment loans · 12225 Greenville Ave #430, Lake Highlands

★ 3.6 · 65 ratingsHours listed

Should you go here?

Many bad reviews, and Texas caps what it can charge.

Borrowers leave more bad reviews here than at 88% of Dallas stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Watch out

What borrowers say3.6★

65 ratings. Known for explaining the terms clearly. The owner answers complaints.

What borrowers say ↓

Watch out

Bad reviews38%

of its written reviews are 1–2★, a higher share than at 88% of Dallas stores.

How it compares ↓

Check it

What it costsCapped

Texas sets the maximum charges. Ask for the total of all payments.

Good sign

Who they lend to

Income from benefits or retirement counts.

Before you go ↓

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeAsk a credit union about a small-dollar loan first →1.9 mi away · title loansTitleMax Title Loans — ★ 5.0, few bad reviews →

From ratings and written reviews of this store and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in Dallas.

Rating

3.6Higher than 13% of Dallas loan stores. City average is 4.5.

Lowest rated in DallasHighest

Bad reviews (1–2★), share of written reviews

This store38%

Average Dallas installment loan store8%

Bad reviews by year · 20% in 2026

21232526

What borrowers say

Known for explaining the terms clearly
The owner answers complaints

Counted in 50 written reviews. Bars: mentions per 100.

What borrowers appreciate

Explains the terms clearly5 reviews · 10 per 100

What it costs

Capped by Texas law

Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.

Before you go

What to take, and what to ask before you sign.

Bring these

Proof of incomeBank statementsSSN or ITINProof of address

Who they lend to

Income from benefits or retirement counts

At the store

Wheelchair access · Apply online first

Customer service (800) 961-5577

From onemainfinancial.com, checked September 2026

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
2
What happens if I’m late?
Ask for the late fee in dollars and whether they call your employer or references.
3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.

Installment loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Before you borrow here, ask a credit union about a small-dollar loan.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

Been to OneMain Financial?

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In borrowers’ own words

“Omar was very helpful and explained everything to a T”

Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.

About this lender

Installment loans.

Part of a chain: OneMain Financial has 36 locations across the Texas cities we cover — Houston (9), El Paso (6), San Antonio (5), Austin (4), Fort Worth (3), Dallas (2), Laredo (2), Corpus Christi (2), Brownsville (2), McAllen (1). See the OneMain Financial brand page.

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