Where does OneMain Financial do business?

OneMain Financial is based in Irving, TX. It was founded in 1912 and offers auto refinance loans in state across the USA.

What are the auto loan refinancing rates offered through OneMain Financial?

APRs for auto refinance loans through OneMain Financial range from 9.99% to 36%.

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

OneMain Financial offers auto refinancing loans with terms of up to 66 months.

Does OneMain Financial charge an origination fee on auto refinance loans?

Yes, OneMain Financial charges a loan origination fee.

Does OneMain Financial charge a late fee?

Yes, auto refinance loans via OneMain Financial are subject to late payment penalty fees.

Does OneMain Financial charge prepayment fees?

Yes, OneMain Financial does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What are the key eligibility criteria for OneMain Financial auto loan refinancing?

OneMain Financial requires borrowers to have a credit score of at least 560 to apply for auto loan refinancing.

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 refinance with OneMain Financial?

Auto refinance loan applications are typically approved (or denied) within 1 hour and funded within 0 to 1 days of approval


  • Max Loan Term (Months)
  • 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
    Only Individual Applications
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • Approval Speed (Hours)
  • Customizable Payment Dates
  • Funding Time Range (in days)
    Up to 1
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
    • Storefront
  • APR
    9.99% - 36%
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