OneMain Financial 10.9.1

OneMain Financial offers personal and auto loans, providing customers with the convenience of mobile access to their loan account details. Our customer service is available Monday-Friday from 7 am to 8 pm CT and on Saturday from 8 am to 5 pm CT.

Our mobile app allows customers to manage existing loans and submit applications for refinancing. However, please note that new loan applications cannot be submitted using the mobile app. Additionally, deleting the mobile app from your device does not close or delete your OneMain loan account as we are required by law to retain certain records as a regulated lender and financial institution.

Our personal loans have a minimum repayment period of 24 months, while auto loans have a maximum repayment period of 60 months. The maximum Annual Percentage Rate (APR) for a personal loan is 35.99%. Our loans range from a minimum amount of $1,500 to a maximum of $20,000.

Please note that not all applicants will qualify for larger loan amounts or the most favorable loan terms. Larger loans require a first lien on a motor vehicle that is no more than 10 years old, meets our value requirements, and is titled in your name with valid insurance. Approval and actual loan terms depend on your state of residence and ability to meet our credit standards, including having a responsible credit history, sufficient income after monthly expenses, and availability of collateral. Loans not secured by a vehicle generally have higher APRs. Highly qualified applicants may be offered higher loan amounts and/or lower APRs. It's important to note that loan proceeds cannot be used for post-secondary education expenses, business or commercial purposes, buying crypto or other speculative investments, gambling, or illegal activities. Additionally, active-duty military personnel, their spouses, or dependents covered by the Military Lending Act may not pledge a vehicle as collateral.

In certain states, borrowers are subject to specific minimum loan sizes, which are as follows: Alabama: $2,100; California: $3,000; Georgia: $3,100; North Dakota: $2,000; Ohio: $2,000; Virginia: $2,600.

Borrowers in certain states are also subject to maximum loan sizes, including: North Carolina: $11,000 for unsecured loans to all customers, and $11,000 for secured loans to current customers; Maine: $7,000; Mississippi: $12,000; West Virginia: $14,000. However, it's important to note that loans to purchase a motor vehicle or powersports equipment from select dealerships in North Carolina, Maine, and Mississippi are not subject to these maximum loan sizes.

We charge loan origination fees based on the state where you open the loan. The origination fee may vary or may not be applicable based on the state. Flat fees can range from $25 to $500, while percentage-based fees can range from 1% to 10% of the loan amount within certain state limits.

As an example of loan costs, consider a principal amount of $6,000 with an APR of 24.99% over 60 months. This would result in a monthly payment of $176.07. The principal and APR include any financed origination fees. The total amount paid for this loan, including principal, interest, and financed fees, would be $10,564.20. Please note that this example is based on a customer with average credit. Actual loan terms depend on various factors including your credit profile (such as credit history), income, debts, and for secured loans, your ability to provide collateral.

When refinancing or consolidating existing debt with us, it's important to consider that the total finance charges over the life of the new loan may be higher than your current debt due to potential higher interest rates and/or longer loan terms. Please remember that our loans include origination fees, which may reduce the amount of money available to pay off other debts.

OneMain Financial holds state licenses including OneMain Financial Group, LLC (NMLS# 1339418)- CA: Loans made or arranged pursuant to Department of Financial Protection and Innovation California Finance Lenders License. PA: Licensed by Pennsylvania Department of Banking and Securities. VA: Licensed by Virginia State Corporation Commission – License Number CFI-156. OneMain Mortgage Services, Inc. (NMLS# 931153). NY: Registered New York Mortgage Loan Servicer. For additional licensing information, please visit nmlsconsumeraccess.org and onemainfinancial.com/legal/disclosures.

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