OneMain Financial
OneMain Financial — refinance your auto loan with a personal loan, 11.99% to 35.99% APR.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means OneMain Financial does not publish this on their public site. "No restriction" means OneMain Financial explicitly states no limit.
Overview
OneMain Financial lets you refinance your auto loan with a OneMain personal loan. Its personal loans have fixed rates from 11.99% to 35.99% APR, amounts from $1,500 to $30,000, and terms of 24 to 60 months. Loans aren't available in AK, AR, CT, DC, MA, RI, VT, or U.S. territories.
What’s great
- Published APR range, amounts, and terms
- Fixed rates
What to know
- Refinance is done with a personal loan, not a dedicated auto loan
- Not available in AK, AR, CT, DC, MA, RI, or VT
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 11.99% – 35.99% |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | $1,500 – $30,000 |
| Term length | 24 – 60 months |
| States served | Not disclosed |
| Membership requirement | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from OneMain Financial's own published materials. Rates, eligibility, and terms can change — verify directly with OneMain Financial before applying.
- [1]Auto Refinance — OneMain Financialhttps://www.onemainfinancial.com/personal-loans/auto-refinanceLast checked: October 2026
- [2]Personal Loans — OneMain Financialhttps://www.onemainfinancial.com/personal-loansLast checked: October 2026
- [3]Our Lending Process — OneMain Financialhttps://www.onemainfinancial.com/legal/our-lending-processLast checked: October 2026