OneMain sent me a letter saying I was guaranteed a loan amount of $7,100.00, to be used how I wanted to use it. I applied and was told their offer was to refinance my car at an 18.5% rate, and get about $2,000.00 cash. I told them this was ridiculous and that their offer was very misleading. My current rate on my auto loan is around 6%. Now I have a waste-of-time credit pull on my credit bureau. STAY AWAY from these deceptive rats.