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OneMain Financial

in Auto Loans

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OneMain Financial

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in Auto Loans

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Overview

Where does OneMain Financial do business?

OneMain Financial is a direct lender based in Evansville, IN. 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.

What is the maximum loan term you can get with OneMain Financial?

OneMain Financial has auto loans with a maximum term of 66 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

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?

Applicants with a credit score of at least 560 can apply for a loan via OneMain Financial. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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.

 

Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) and the availability of collateral. Loan amounts subject to state specific minimum or maximum size restrictions. Collateral offered must meet our criteria. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral. CA minimum loan amount is $3,000. GA minimum loan amount is $1,500 for present customers and $3,100 for others.
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Contact

  • Headquarters
  • 601 NW 2nd Street, Ste 300
    Evansville, IN 47708 USA
  • Visit Site

Message from OneMain Financial

For over 100 years, we’ve been helping hard-working people tackle life’s challenges by providing the help you need when you need it. Our loan experts are from your community, understand your unique situation, and will treat you with honesty, dignity, and respect. Our goal is to deliver the best customer experience and empower you to take control of your finances.

Other Services by OneMain Financial

Availability

Available in 46 States
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee
Minimum Age
18
Military Status
  • Active Duty Military
  • Non-Military
Joint Loan Applications Accepted
  • Co-signer
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Credit Score Range
560 - 750
850 300 560 750
Immigration Status Considered
  • U.S. Permanent Resident
Minimum Annual Income
$7,200
Verification Documents Required?
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Term (Months)
Up to
66
Loan Amount
$6K - $50K
$500 $100K+
APR
9.99% - 36%
0% 36%+

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