OneMain Financial Auto Refinance

in Auto Loan Refinancing from OneMain Financial

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OneMain Financial Auto Refinance


in Auto Loan Refinancing from OneMain Financial

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Credit Score Range 560 - 750
Loan Amount $1,500 - $20,000
APR  (Fixed APR) 16% - 36%
Loan Term (Months) 24 - 60 months

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.

Key Takeaways
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 560 are considered for OneMain Financial Auto Refinance.
  • 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 up to 10%. This is on the high end for lenders on SuperMoney's database. Origination fees are deducted from the loan amount, so consider them when deciding how much you need to borrow.
OneMain Financial Auto Refinance Pros & Cons
Pros Cons
  • Available in 44 states.
  • $0 prepayment fee.
  • OneMain Financial Auto Refinance does not report to credit bureaus.
  • Considers applicants with fair credit.
  • Funding available within 2 business days.
  • APRs as high as 36%.
  • Charges an origination fee of up to 10% of the loan amount.
  • Charges a late fee of up to $30.
OneMain Financial Auto Refinance FAQ

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 16% APR up to 36% 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 of 1% to 10% of the loan amount of $25 to $400 OneMain Financial Auto Refinance deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.

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 of up to $5.

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 may be 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.

U.S. citizens are, of course, eligible for the services offered by OneMain Financial Auto Refinance. Permanent resident / green card holders are also eligible to apply.

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. Flat fee amounts vary by state, ranging from $25 to $300. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount.
SuperMoney Disclosure: 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...
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.


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

Other Services by OneMain Financial

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.


  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  
Late Fee Amount $5 - $30
Origination Fee ($) $25 - $400
Origination Fee (%) 1% - 10%
Credit Score Range 560 - 750
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
APR (Fixed APR) 16% - 36%
Loan Term 24 - 60 months
Loan Amount $1,500 - $20,000

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