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OneMain Financial Car Purchase Loans

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OneMain Financial Car Purchase Loans

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in Auto Loans from OneMain Financial

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Highlights
Highlights
Loan Amount $1,500 - $20,000
APR  (Fixed APR) 18% - 35.99%
Credit Score Range 560 - 750
Loan Term 24 - 60 months

OneMain Financial Car Purchase Loans Review

OneMain Financial Car Purchase Loans is offered by OneMain Financial, a direct lender founded in 1912 and based in Evansville, IN. OneMain Financial Car Purchase Loans is available in 46 states across the USA.

How much can you borrow via OneMain Financial Car Purchase Loans?

OneMain Financial Car Purchase Loans auto loan amounts start at $1,500 and go up to $20,000.

What APR does OneMain Financial Car Purchase Loans offer on its auto loans?

OneMain Financial Car Purchase Loans offers a fixed APR auto loan product that ranges from 18% APR up to 35.99% APR.

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 inaccurate information in your credit history with these credit monitoring tools.

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

OneMain Financial Car Purchase Loans has auto loans with terms ranging from 24 to 60 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 loan, the more interest you will pay.

Does OneMain Financial Car Purchase Loans charge an origination fee?

Yes, OneMain Financial Car Purchase Loans may charge a loan origination fee.

Does OneMain Financial Car Purchase Loans charge a late fee?

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

Does OneMain Financial Car Purchase Loans charge prepayment fees?

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

Can I pay off early my OneMain Financial Car Purchase Loans loan?

Yes, you can. OneMain Financial Car Purchase Loans does not charge a prepayment fee, so you can save money by paying your auto loan early.

What do you need to qualify for OneMain Financial Car Purchase Loans?

Applicants with a credit score of at least 560 and up to 750 are eligible for OneMain Financial Car Purchase Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for auto loans with OneMain Financial Car Purchase Loans, applicants need a minimum annual income of $7,200 or higher. OneMain Financial Car Purchase Loans only considers borrowers who are employed and meet the minimum income requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via OneMain Financial Car Purchase Loans. Their rates fall within the limits of The Military Lending Act.

Permanent resident / green card holders are also eligible to apply.

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

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

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

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

ONEMAIN FINANCIAL CAR PURCHASE LOANS Disclosure: 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.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

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

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Minimum Annual Income $7,200
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $1.5K - $20K
APR (Fixed APR) 18% - 35.99%
Loan Term 24 - 60 months

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