Where does OneMain Financial do business?

OneMain Financial is a direct lender based in Irving, TX. It was founded in 1912 and offers auto loans in 46 states across the USA.

What APR does OneMain Financial offer on its auto loans?

OneMain Financial offers auto loans with APRs starting at 9.99% and up to 36%. Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools

Does OneMain Financial charge an origination fee?

Yes, OneMain Financial may charge a loan origination fee.

Does OneMain Financial charge a late fee?

Yes, OneMain Financial charges borrowers with a late payment penatly fee

Does OneMain Financial charge prepayment fees?

No, OneMain Financial will not charge you a fee for paying your loan early. Whenever possible choose lenders like OneMain Financial that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with OneMain Financial?

OneMain Financial requires borrowers to have a credit score of at least 560 to apply.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via OneMain Financial?

OneMain Financial will typically approve (or deny) an auto loan application within 1 hour and fund the loan within 1 business day of approval.

  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Credit Score Range
    560 - 750
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Approval Speed (Hours)
  • Customizable Payment Dates
  • Funding Time Range (in days)
    Up to 1
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
    • Storefront
  • Loan Amount
    $6000 - $50000
  • APR
    9.99% - 36%
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