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Auto Refinance Loans

Shift into a better auto loan.1

Check for Offers

This won’t affect your credit score.

Auto loan refinancing as smooth as the open road.

Love your car but not your current auto loan? Refinancing could lower your monthly payments.2

How does auto refinancing work?

You essentially pay off your current car loan with the new loan. Depending on your situation, auto refinancing could lower your interest rate, reduce your monthly payment, or change the duration of your loan.

Why should I choose OneMain to refinance my car loan?

We understand your needs are as unique as your car’s nickname. Our loan experts will work with you one-on-one to find a refinancing loan that fits your budget and helps you achieve your goals. Plus, this isn’t our first time around the block. We’ve been a trusted lender for more than 100 years.

Today’s the day. See if you prequalify for a OneMain auto refinancing loan!

Benefits of an auto refinancing loan include:

Calculator

Fixed interest rate

Calendar

Money as soon as same day if approved by noon3

Money

No prepayment fees

3 Funding Options; Availability of Funds: Loan proceeds may be disbursed by check or electronically deposited to the borrower’s bank account through the Automated Clearing House (ACH) or debit card (SpeedFunds) networks. ACH funds are available approximately 1 to 2 business days after the loan closing date. Funds through SpeedFunds are available on the loan closing date.

Ready to get things rolling?See if you prequalify for a OneMain personal loan now.

Check for Offers

This won’t affect your credit score.

Find a Branch

Real stories of how OneMain customers refinanced their auto loan.4

“Kathy was very helpful with my needs to refinance after struggling with my payments. I would recommend the Merrillville location.”4

— Mary Kay G., 3/3/20

"It was very easy to refinance my car. The people are pleasant, friendly and efficient. It was a pleasure to do business with them.”4

— Penny M., 2/28/20

4 These customer testimonials reflect individuals' personal experiences, so you may not have the same results

Want more info on auto loan refinancing?This should help:

Car Driving In Woods
Pros vs. Cons of Refinancing an Auto Loan
Woman driving a car
Three Signs You Should Refinance Your Auto Loan
Man working on a computer
Refinancing: An Option for More Types of Loans Than You Think

Looking for something else? Check out these other uses for personal loans.5

Piggy Bank

Debt Consolidation2

Two People

Life Events

Boat

Recreation

Car

Auto Loans

Home

Home Projects

OneMain Holdings, Inc.601 N.W. Second Street Evansville, IN 47708-1013

Copyright © 1996-2020, All rights reserved.

1 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 ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APR’s are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any 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. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

2 Important Notice About Refinancing or Debt Consolidation: When you refinance or consolidate your existing debts, your total finance charges over the life of the new loan may be higher than for your current debt(s) because your interest rate may be higher and/or your loan term may be longer.

5 OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university, or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal activities.

For Housing Counselors in the State of Washington, please email us at the following link in regards to your customers loan modification status: REModifications@onemainfinancial.com. Please ensure your customer has provided us with authorization to work with you.

CA: OneMain Financial Group, LLC - Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. CT: OneMain Consumer Loan, Inc. - NMLS # 937358. NH: OneMain Financial Group, LLC – NMLS # 1339418. PA: OneMain Financial Group, LLC – Licensed by the Pennsylvania Department of Banking and Securities.

For residents of the State of Washington only: OneMain Financial Group, LLC – Consumer Loan Company License – NMLS # 1339418. Click here for the NMLS Consumer Access Database.

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