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OneMain Financial Auto Refinance

in Auto Loan Refinancing from OneMain Financial

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OneMain Financial Auto Refinance

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in Auto Loan Refinancing from OneMain Financial

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

OneMain Financial Auto Refinance Review

OneMain Financial Auto Refinance is an auto loan refinance offering by OneMain Financial, based in Evansville, IN. Founded in 1912, OneMain Financial offers auto refinance loans in 44 states across the USA.

How much can you borrow via OneMain Financial Auto Refinance?

Auto refinance loan amounts start at $1,500 and go up to $20,000.

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

OneMain Financial Auto Refinance offers a fixed APR auto loan refinancing product that ranges from 18% APR up to 35.99% APR.

What is the maximum loan term you can get with OneMain Financial Auto Refinance?

OneMain Financial Auto Refinance offers auto refinancing 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 auto refinancing loan, the more interest you will pay.

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

Yes, OneMain Financial Auto Refinance charges a loan origination fee.

Does OneMain Financial Auto Refinance charge a late fee?

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

Does OneMain Financial Auto Refinance charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for OneMain Financial Auto Refinance?

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

OneMain Financial Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. OneMain Financial Auto Refinance only considers borrowers who are employed.

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 Auto Refinance. Their rates fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

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

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

What is the estimated funding time for an auto loan refinance with OneMain Financial Auto Refinance?

Auto refinance loan applications are typically approved (or denied) within 1 hour and funded within 0 to 2 days of approval.

ONEMAIN FINANCIAL AUTO REFINANCE 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 44 states
  • Alaska
  • Arizona
  • 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  
Minimum Age 18
Credit Score Range 560 - 750
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Payroll Check or Prepaid Card
  • Tax Returns
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $1.5K - $20K
Loan Term 24 - 60 months
APR (Fixed APR) 18% - 35.99%

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