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Auto Purchase loans

You're in the driver's seat of your OneMain auto loan

Ask your dealer if they're a OneMain participating dealership1 to learn how to get a car loan with us and drive away happy.

Buying from a private seller? Check for a personal loan offer now.

Check for offers

Checking for personal loan offers to buy a car from a private seller won't affect your credit score.

What you get with OneMain auto loans

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Clear and easy steps

Close your loan without leaving the car dealership.2

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Support from start to finish

One-on-one help from real people every step of the way.

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Fast, hassle-free funds

Once your loan is approved, money is sent directly to your dealer.2

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Start the wheels turning with a OneMain Financial auto loan

The best way to get a car loan is to find one that fits your budget with a lender that understands your needs. At OneMain, we stay by your side from application to closing and beyond.

There are two ways we can help put you behind the wheel and on the road to a brighter future:

  • If you’re buying from a dealer, ask them if they participate in the OneMain auto loan program.1 If so, you can apply for an auto loan right there.2 A loan specialist will work directly with you by phone, and if your loan is approved, OneMain sends your loan funds straight to the dealer.

  • If you’re buying a car from a private seller, a OneMain personal loan might work for you. Check below to see if you have a loan offer. If your loan is approved, you can walk out the same day with a check in hand when you close the loan.3

Check for offers

This won’t affect your credit score.

What are car
purchase loans?

An auto purchase loan is a loan used to buy a new or pre-owned vehicle. Once approved, the purchased vehicle is used as collateral to secure the loan, and the buyer repays the lender.

When you choose a OneMain car loan, available at thousands of dealers across the nation,1 you can get affordable auto financing without ever leaving the lot. Or if you’re buying from a private seller, apply online today or talk to your OneMain branch.

Why should I choose OneMain for my auto loan?

We know that just the right car needs just the right loan. But when it comes to the nuts and bolts, we think every loan should come with clear, upfront terms and fixed, predictable loan payments and rates.

We go the extra mile to help you get ahead and stay ahead, with budget-building resources and savings tools to grow your money know-how. We're in your corner today, tomorrow and years down the road.

See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.4,5

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Auto purchase loans
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Debt consolidation
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Emergency loans
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Auto refinance loans
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Medical loans
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Cash out refinance
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Home improvement
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Moving loans
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Wedding loans
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Auto repair loans
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Pool loans
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Vacation loans
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Motorcycle loans
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RV loans
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Boat loans
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Funeral loans
Check for offers

This won’t affect your credit score.

Customers have relied on OneMain for over 100 years

Here are some of our favorite shoutouts.6

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Need more info on auto purchase loans? You've come to the right place:

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Answers to common customer questions

An auto loan isn’t just a loan to buy a car or truck. It can also be used for a variety of vehicles like:

  • Motorcycles
  • ATV’s; Side-by-sides
  • Off-road motor bikes
  • Crossovers
  • Horse and utility trailers
  • Lawn & garden lawn mowers; Mini excavators

Talk to a participating dealership1 today about buying a vehicle with a loan from OneMain.

We work with a wide range of credit scores and take your whole financial picture into account to find a loan that’s right for you.

If you’re concerned about whether or not you can get a loan to buy a car, using collateral may improve your chances of getting approved. It can even give you access to lower rates, lower payments or more money. And once approved, it can also be a great tool to help you build credit. It’s important to note: if a borrower defaults on a secured loan, the lender has the right to take the collateral.

Still have questions about how to buy a car with a loan from OneMain? We can help. Just call us at 844-859-5091.

Our auto loan process and requirements are slightly different from our personal loans. Here’s how it works:

  • When you go to a participating dealer1 and ask about a OneMain loan, they’ll submit your loan application to OneMain. Then, you'll finish verifying info and can close your loan right from the dealership.
  • You should also be prepared to secure your loan by using the vehicle you purchase as collateral.

Be sure to bring the following documentation with you when you visit the dealership. You’ll need them before you close your loan:

  • Proof of identity (such as a driver’s license, state-issued ID card, passport, or available third-party verification service)
  • Proof of residence (such as a driver’s license with current address, utility bill, or signed lease)
  • Proof of income (such as pay stubs or tax returns)

Take the next step to talk to your participating car dealer1 about how to apply for an auto loan from OneMain or start your personal loan application today to buy from a private seller.

When buying a car from a friend, family member, or any other private seller, you can use a OneMain personal loan for auto purchase to finance your vehicle.

Start today by applying for an auto personal loan online or in-person at a branch near you.

More questions? Check out more FAQs.