One Main Financial Po Box 3910 Carmel In (2024)

FAQs

What is the PO Box address for OneMain Financial? ›

Payments can also be sent via mail to OneMain PO BOX 845073, Dallas, TX 75284-5073 or made by calling OneMain at (877) 218-4029.

OneMain Financial has violated the Telephone Consumer Protection Act (TCPA) on multiple occasions, and there have been several class action lawsuits filed against the company.

OneMain in its present form is the result of Springleaf Financial's acquisition of OneMain Financial (formerly CitiFinancial) from Citigroup in November 2015, with OneMain becoming the surviving brand.

State Licenses: 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 the Pennsylvania Department of Banking and Securities.

If you have an auto loan with One Main, then your car is listed as collateral for the loan. So if you don't repay your loan on time, they can take possession of your car. In most instances, One Main Financial will not repo your car until you are a few months behind on the payments.

You can mail payments to: Credit One Bank, Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500.

More serious consequences could include collateral being repossessed, the debt being charged off or the lender suing to enforce the debt. Depending on your lender, you may be able to avoid more serious consequences if you make the payment within 30 days or communicate with your lender to find a solution.

Relatively high interest rates

Compared to other personal loan lenders, OneMain's rates are relatively high. OneMain also charges an origination fee, which, depending where you live, may be a flat amount or a percentage of your loan amount.

If you've been served with a lawsuit from OneMain Financial, it is extremely important you do not default or ignore the summons. The collector can have wages garnished, bank accounts levied, and liens filed against your car or home.

To cancel your loan, please contact the branch listed on your loan agreement or call (800) 961-5577. If you purchased a vehicle or other item with your loan, OneMain does not require the seller to cancel the sale or release the funds back to you.

What is the maximum you can borrow from OneMain Financial? ›

OneMain makes personal and auto loans from $1,500 - $20,000. 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 ten years old, that meets our value requirements, titled in your name with valid insurance.

OneMain Financial only uses a soft pull of your credit, which does not affect your score, to pre-qualify potential applicants, and your odds of approval are very high if you get pre-qualified. The negative impact on your credit from applying for and opening a new loan does not have to last long, either.

Despite its high average rates, a loan with OneMain Financial can be a good option for borrowers who want to avoid predatory lenders. Read more about how we rated OneMain Financial. OneMain Financial is a lender that offers personal loans ranging from 18.00% to 35.99% at fixed rates.

We use 256-Bit SSL encryption for transmission of your information. What is a "secured" loan? A secured loan may allow you to borrow more money or get a lower rate than an unsecured loan. That's because you “secure” your promise to repay by using your car or other titled vehicle as collateral.

Minimum income: None; OneMain requires borrowers to have enough income to support their own expenses, plus the new loan's monthly payment. This lender accepts income from employment, a partner, alimony, retirement, child support and Social Security payments.