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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. Apply for a OneMain auto refinancing loan now!

Benefits of an auto refinancing loan include:

Calculator

Fixed interest rate

Calendar

Money as soon as same day if approved by noon3

Money

No pre-payment fees

Ready to get things rolling?Get started now.

Check for Offers

This won’t affect your credit score.

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

“I received excellent customer service from Dan, Trina & Dorothy and the rest of staff at the Salisbury office. They were very courteous and understanding to my needs and concerns. Really good experience.”4

— Ronald B., 6/5/18

OneMain has always treated me with respect and appreciation. They make me feel welcome and that they appreciate my business. Staff is always extremely friendly and professional. Process is quick and well explained and they have always been there for me. I have been back a few times to them and will continue to go to them. Overall one of my best financial experiences.”4

— Thomas R., 6/4/18

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:

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

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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 eight 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 if You Are Considering Debt Consolidation or Refinancing: Before you refinance your other debts with a new loan to reduce your total monthly debt payment, you should consider that the new loan may increase both the total number of monthly payments and the total amount paid over the term of the loan.

3 Funding Options; Availability of Funds: Loan proceeds may be disbursed by check, Automated Clearing House (ACH) deposit, or a prepaid card.  ACH disbursements can take approximately 1 to 2 business days depending on the time of loan closing. Prepaid card disbursements are limited to the first $10,000 of the loan amount and are available immediately upon activation of the prepaid card.  Prepaid cards are not available in all locations, including California, and are not available to active duty military, their spouse or dependents covered by the Military Lending Act.

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. 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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