OneMain Financial
Installment loans · 5815 Gulf Fwy Ste B350, Lawndale / Wayside
★ 4.2 · 85 ratingsHours listed
Should you go here?
Many bad reviews, and Texas caps what it can charge.
Borrowers leave more bad reviews here than at 81% of Houston stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.
85 ratings. Known for explaining the terms clearly. The owner answers complaints.
of its written reviews are 1–2★, a higher share than at 81% of Houston stores. 2nd of 8 OneMain Financial branches here.
Texas sets the maximum charges. Ask for the total of all payments.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
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 Houston and every other OneMain Financial branch.
Rating
4.2Higher than 27% of Houston loan stores. City average is 4.4.
Lowest rated in HoustonHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 27% in 2026
What borrowers say
- Ask for Gracie
- Known for explaining the terms clearly
- The owner answers complaints
Counted in 49 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
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
Who they lend to
- Income from benefits or retirement counts
At the store
Wheelchair access · Apply online first
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.
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?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “My loan representative was very detailed in Explaining my loan options and loan terms to me”
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.