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Car Purchase Loans

Get your loan first and go car shopping with confidence.

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This won’t affect your credit score.

Buy your next car with a OneMain loan and negotiate with power.1

Imagine walking into a dealership with leverage and peace of mind. Instead of needing them to finance your car loan, which can let the salesperson control the deal, put yourself in the driver’s seat and have your own funds ready to go.

What is a car purchase loan?

A car purchase loan is a loan used to buy a new or used car. The vehicle you purchase is then used as collateral to secure the loan. So, when you’re ready to shop for your next car, you can apply for a car purchase loan for the amount you need to finance. If you’re approved for the loan, you can start shopping knowing you have the funds ready to make a purchase. Plus, it can help you skip the hassle of dealership financing and get on the road faster.

Why should I choose OneMain for my loan to buy a car?

At OneMain, we understand each customer is unique. You may want a sportscar while someone else needs a minivan. But when it comes to the nuts and bolts, we think every loan should come standard with fixed payments and interest rate. Also, this isn’t our first spin around town. We've been a trusted lender for more than 100 years.

Today’s the day. See if you prequalify for a OneMain car purchase loan!

With a car purchase loan you can:


Avoid dealership financing

Dollar Sign

Negotiate your purchase with confidence


Choose the right loan for your current needs

A OneMain loan could be the key to buying your next car.See if you prequalify now.

Check for Offers

This won’t affect your credit score.

Real stories of how customers used a OneMain loan to finance a car.2

“Scott was Awesome made getting the new car financing so easy!!!”2

— Terry R., 3/10/20

“I recently got a car loan through OneMain and was so pleased with my experience. I saw my dream car on Monday, and it was mine by Wednesday, thanks to super-quick processing from OneMain. They make it painless, so don’t be afraid to apply online right away if you are facing an unexpected expense. If you are looking to buy a new car, they will make the check payable directly to the dealership, and you’ll be on your way. This was my second loan through OneMain. They are friendly and honest, and I’m sure I’ll see them again in a few years.”2

— Jennifer B., 2/25/20

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