Last Updated: 04/18/2025
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Highlights
Amount Range
$1,500 - $20,000
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APR (Fixed APR)
18% - 35.99%(Verified 06/21/2024)
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Credit Score Range
N/A
Loan Term (Months)
24 - 60
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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
- 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?
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 car 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 of $25 to $500
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?
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. OneMain Financial Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by OneMain Financial Auto Refinance.
To qualify, applicants may need to provide the following documentation:
- 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?
Auto refinance loan applications are typically funded within 0 to 2 days of approval.
Does OneMain Financial Auto Refinance report your account activity to credit bureaus?
Yes, OneMain Financial Auto Refinance reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
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. OneMain Financial auto refinance allows you to check your rates with a soft credit pull.
Is OneMain Financial a legit company?
OneMain Financial was founded in 1912, it is a well-established company that has been in business for 114 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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.
Message from OneMain Financial auto refinance
Hours of Operation
Sunday
Closed
Monday
5:00AM - 5:00PM
Tuesday
5:00AM - 5:00PM
Wednesday
5:00AM - 5:00PM
Thursday
5:00AM - 5:00PM
Friday
5:00AM - 5:00PM
Saturday
Closed
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OneMain Financial Auto Refinance Community Reviews
Would you recommend OneMain Financial Auto Refinance to your friends?
NV
Neha V.
Jul 18, 2021
May or may not recommend
Best thing about OneMain is funding will be available very fast in (2-3)days. Plus they ahve $0 prepayment fee(yes :). Also if your credit score is not that high then its the best choice.
DJ
Daniel J.
May 13, 2021
May or may not recommend
Very reliable. Customer service is professional. timely, their service is timely. i highly recommend
TB
Thomas B.
May 7, 2021
May or may not recommend
I searched for a financial service to help finance my delivery vehicle, and Concerned about my credit score; I found just the right service in OneMain Financial. They were professional about their service and listened to your need keenly as they assist with the best advice to guide your decision. their customer service was always prompt to help you through all processes. No charges that are worrying or could make ...Show More
AW
Amy W.
Dec 12, 2020
May or may not recommend
OneMain refinanced my car loan when I was able to repair my credit. They were fast and professional. Customer Service has always been easy to deal with and you get to talk to an actual person and not a voice activated machine. I have recommended them to all of my friends.
Showing 4 of 4 reviews
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