Features

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.

What is the maximum loan term for a OneMain Financial auto loan?

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. 

Does OneMain Financial charge an origination fee?

Yes, OneMain Financial charges 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 penalties?

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.

What is OneMain Financial’s eligibility criteria?

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

To qualify, applicants must 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) a loan application within 1 hour and fund auto loans within 0 and 1 days of approval

  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
    • Storefront
  • Max Loan Term (Months)
    66
  • Credit Score Range
    560 - 750
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
    18
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Institution Type
    Direct Lender
  • APR
    9.99% - 36%
  • Approval Speed (Hours)
    1
  • Customizable Payment Dates
  • Funding Time Range (in days)
    Up to 1
  • Joint Loans Available
  • Loan Amount
    $6000 - $50000
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