Where does OneMain Financial do business?
OneMain Financial is based in Evansville, IN. It was founded in 1912 and offers auto refinance loans in 44 states across the USA.
How much can you borrow via OneMain Financial?
Auto refinance loan amounts start at $6,000 and go up to $50,000.
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 you can get with OneMain Financial?
OneMain Financial offers auto refinancing 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 refinancing loan, the more interest you will pay.
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?
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 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
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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- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- South Carolina
- South Dakota
- West Virginia
- Active Duty Military
- Military Dependent
- Only Individual Applications
- Employed Full-Time
- Employed Part-Time
- U.S. Permanent Resident
- Recent Pay Stubs
- Driver License (or other photo ID)
- Proof of citizenship/residence (Green Card)