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.
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.
OneMain Financial offers auto loans with terms of up to 66 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your loan, the more interest you will pay.
Yes, OneMain Financial charges a loan origination fee .
Yes, OneMain Financial charges borrowers with a late payment penatly fee.
No, OneMain Financial will not charge you a penalty fee for paying your loan early. Whenever possible choose lenders like OneMain Financial that don't charge a prepayment penalty fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
OneMain Financial requires borrowers to have a credit score of at least 560 to apply.
To qualify, applicants must provide the following documentation:
OneMain Financial will typically approve (or deny) a loan application within 1 hour and fund auto loans within 0 and 1 days of approval
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