Last Updated: 04/18/2025
OneMain Financial Auto Refinance
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Last Updated: 04/18/2025
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OneMain Financial Auto Refinance Review
Key Takeaways
- Vehicle types. OneMain Financial only refinances cars and trucks.
- Refinancing for small loan amounts. Supports refinancing as little as $1,500. If you have a small amount remaining on your loan this is one of your best options.
- Fast funding process. In some cases, you may be able to refinance the loan within one business day.
- Origination fees of $25 to $500.
OneMain Financial auto refinance Pros & Cons
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OneMain Financial auto refinance FAQ
How much can you borrow via OneMain Financial auto refinance?
What are the auto loan refinancing rates offered through OneMain Financial auto refinance?
What is the maximum loan term you can get with OneMain Financial auto refinance?
Does OneMain Financial auto refinance charge an origination fee on auto refinance loans?
Does OneMain Financial auto refinance charge a late fee?
Does OneMain Financial auto refinance charge prepayment fees?
What do you need to qualify for OneMain Financial Auto Refinance?
OneMain Financial Auto Refinance does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan refinance with OneMain Financial auto refinance?
Does OneMain Financial Auto Refinance report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does OneMain Financial perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.Is OneMain Financial a legit company?
OneMain Financial Auto Refinance Disclosure: Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes. Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600. Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.