OneMain Financial offers personal and auto loans. With mobile access, OneMain customers can log in to get their loan account details.
We respond Monday-Friday: 9 am - 5 pm ET.
The OneMain mobile app can be used to service existing loans and to submit applications to refinance existing loans. New loan applications can’t be submitted using the mobile app. Deleting the mobile app on a device does not close or delete a OneMain loan account. As a regulated lender and financial institution, OneMain must retain certain records under applicable law.
Loans offered by OneMain have a minimum repayment period of 24 months and a maximum repayment period of 60 months. The Maximum Annual Percentage Rate (APR) for a personal loan is 35.99%. Minimum loan amount offered is $1,500 and maximum amount is $20,000.
Not all applicants qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than 10 years old, 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. Loan proceeds can’t be used for: post-secondary education expenses, any business or commercial purpose, buying crypto or other speculative investments, or gambling or illegal purposes. Active-duty military, their spouse or dependents covered by the Military Lending Act may not pledge a vehicle as collateral.
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.
OneMain charges loan origination fees. Depending on the state where you open the loan, there may be no origination fee or it may be a flat amount or percentage of the 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 the loan subject to certain state limits on the fee amount.
Representative loan cost example: A principal amount of $6,000 at an APR of 24.99% over 60 months results in a monthly payment of $176.07. The principal and APR include any financed origination fees. The total amount paid for this loan, including principal, interest, and financed fees, would be $10,564.20. Example is based on a customer with average credit. Actual loan terms depend on your credit profile, including credit history, income, debts, and ability to provide collateral (for secured loans).
When refinancing or consolidating existing debt, total finance charges over the life of the new loan may be more than your current debt because the interest rate may be higher and/or the loan term may be longer. OneMain loans include origination fees, which may reduce the amount of money available to pay off other debts.
State Licenses: OneMain Financial Group, LLC (NMLS# 1339418)- CA: Loans made or arranged pursuant to Department of Financial Protection and Innovation California Finance Lenders License. PA: Licensed by Pennsylvania Department of Banking and Securities. VA: Licensed by Virginia State Corporation Commission – License Number CFI-156. OneMain Mortgage Services, Inc. (NMLS# 931153). NY: Registered New York Mortgage Loan Servicer. See more licensing information at nmlsconsumeraccess.org and onemainfinancial.com/legal/disclosures.
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