Flat fee amounts vary by state, ranging from $25 to $500. Depending on the state where you open the loan, the fee may be a flat amount or percentage of the loan amount. Loans to purchase a motor vehicle or powersports equipment from select dealerships in NC, ME, and MS are not subject to these maximum loan sizes. Active-duty military, their spouse or dependents covered by the Military Lending Act may not pledge a vehicle as collateral.īorrowers in these states are subject to these minimum loan sizes: Alabama: $2,100 California: $3,000 Georgia: $3,100 North Dakota: $2,000 Ohio: $2,000 Virginia: $2,600.īorrowers in these states are subject to these maximum loan sizes: North Carolina: $9,000 for unsecured loans to all customers. Loan proceeds cannot be used for post-secondary educational expenses for any business or commercial purpose to buy cryptocurrency or other speculative investments or for gambling or illegal purposes. Highly qualified applicants may be offered higher loan amounts and/or lower APRs. APRs are generally higher on loans not secured by a vehicle. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). Larger loan amounts require a first lien on a motor vehicle no more than 10 years old, that meets our value requirements, titled in your name with valid insurance. Not all applicants qualify for larger loan amounts or most favorable loan terms. Minimum and maximum loan amounts offered are $1,500 and $20,000, respectively. The Maximum Annual Percentage Rate (APR) for a personal loan is 35.99%. Our loans have minimum maximum repayment periods of 24 months and 60 months, respectively. As a regulated lender and financial institution, we must retain certain records under applicable law. Deleting the mobile app does not close or delete a OneMain loan account. New loan applications can’t be submitted through the mobile app. Use our mobile app to service existing loans and to submit applications to refinance existing loans. We respond Monday-Friday: 7 am-8 pm CT Saturday: 8 am-5 pm CT We commit to put your financial well-being first, making responsible loans and never compromising your trust. We offer personal and auto loans for purposes including:Ĭustomer Commitment and Borrower’s Bill of Rights Mobile access to your OneMain Financial account is at your fingertips.
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