{"id":2257,"date":"2023-11-30T10:01:00","date_gmt":"2023-11-30T10:01:00","guid":{"rendered":"https:\/\/thewealthcircle.com\/?p=2257"},"modified":"2023-11-30T11:54:13","modified_gmt":"2023-11-30T11:54:13","slug":"springleaf-loans-review","status":"publish","type":"post","link":"https:\/\/kiiky.com\/wealth\/springleaf-loans-review\/","title":{"rendered":"Springleaf Loans Review: Legit or Scam","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p>Springleaf loans (now OneMain Financial) is a subprime lender company. Their main goal is focused on high-risk, high-interest loans. This includes personal loans and asset-guaranteed loans (such as auto-title loans).<\/p>\n\n\n\n<p>The company offers personal loans to subprime borrowers through an online application form. However, to complete the loan, you must visit one of the company\u2019s retail locations to speak with a loan representative. Rates may be high, but this lender accepts borrowers with low credit scores.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-a-brief-history-of-spring-leaf-financial-auto-loans\" data-level=\"2\">A Brief History of Spring Leaf Financial Auto Loans<\/a><\/li><li><a href=\"#h-pros-cons\" data-level=\"2\">Pros &amp; Cons<\/a><\/li><li><a href=\"#h-major-benefits-of-using-springleaf-loans\" data-level=\"2\">Major Benefits of Using Springleaf Loans<\/a><ul><li><a href=\"#h-quick-cash\" data-level=\"3\">Quick cash<\/a><\/li><li><a href=\"#h-credit-insurance\" data-level=\"3\">Credit insurance<\/a><\/li><li><a href=\"#h-secured-loan-option\" data-level=\"3\">Secured loan option<\/a><\/li><li><a href=\"#h-satisfaction-guarantee\" data-level=\"3\">Satisfaction Guarantee<\/a><\/li><\/ul><\/li><li><a href=\"#h-what-are-springleaf-loans-rates-and-terms\" data-level=\"2\">What are Springleaf Loans Rates and Terms?<\/a><\/li><li><a href=\"#h-what-concerns-should-i-worry-about-as-a-borrower\" data-level=\"2\">What concerns should I worry about as a borrower?<\/a><\/li><li><a href=\"#h-how-can-i-obtain-a-loan-with-spring-leaf\" data-level=\"2\">How Can I Obtain A Loan With Spring Leaf?<\/a><\/li><li><a href=\"#h-final-remark\" data-level=\"2\">Final Remark<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-brief-history-of-spring-leaf-financial-auto-loans\"><span id=\"a-brief-history-of-spring-leaf-financial-auto-loans\">A Brief History of Spring Leaf Financial Auto Loans<\/span><\/h2>\n\n\n\n<p>OneMain Financial was acquired by springleaf Financial in 2015 from Citigroup. As part of the integration, the combined company adopted the OneMain name. Springleaf branches were rebranded to OneMain Financial to reflect the change that same year. Any loans you took from Springleaf are now owned and serviced by OneMain Financial.<\/p>\n\n\n\n<p>They have nearly $14 billion in outstanding loans, over 40% being loans secured with an asset such as a vehicle. OneMain Financial focuses on giving customers the best rates and the best borrowing experience possible.<\/p>\n\n\n\n<p>If OneMain doesn\u2019t suit your needs, there are dozens of other personal loan providers, such as\u00a0Net credit, Upstart, etc.<\/p>\n\n\n\n<p>READ MORE: <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/best-unsecured-business-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Best Unsecured Business Loans In 2023<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pros-cons\"><span id=\"pros-cons\">Pros &amp; Cons<\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th>Pros<\/th><th>Cons<\/th><\/tr><\/thead><tbody><tr><td>Free credit score access.<\/td><td>Rates are high compared to other lenders that serve similar borrowers.<\/td><\/tr><tr><td><\/td><td><\/td><\/tr><tr><td>May fund a loan the same day.<\/td><td>Charges origination fee.<\/td><\/tr><tr><td><\/td><td><\/td><\/tr><tr><td>Offers joint and secured loan options.<\/td><td>$25,000 maximum loan<\/td><\/tr><tr><td>No prepayment penalties<\/td><td>Only offers personal loans<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>READ MORE: <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/upstart-personal-loans-reviews\/\" target=\"_blank\" rel=\"noreferrer noopener\">Upstart Personal Loans Reviews 2023<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-major-benefits-of-using-springleaf-loans\"><span id=\"major-benefits-of-using-springleaf-loans\">Major Benefits of Using Springleaf Loans<\/span><\/h2>\n\n\n\n<p>OneMain personal loans are commonly used for debt consolidation, wedding and medical expenses, home improvement projects, and auto financing. Below are some of the major benefits of using their service. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-quick-cash\"><span id=\"quick-cash\">Quick cash<\/span><\/h3>\n\n\n\n<p>With OneMain, you will get your loan as soon as it&#8217;s approved. You can complete an application and receive a decision in less than 10 minutes. Within 1-2 working days, you can receive funds via bank payment or check. The process requires you to visit a OneMain branch to complete it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-insurance\"><span id=\"credit-insurance\"><strong>Credit insurance<\/strong><\/span><\/h3>\n\n\n\n<p>Spring leaf loans may offer optional&nbsp;credit insurance&nbsp;with secured or unsecured loans. This insurance adds to your costs. We suggest you get full details about their loan before opting for credit insurance.<\/p>\n\n\n\n<p>READ MORE: <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/subsidized-vs-unsubsidized-student-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Subsidized Vs. Unsubsidized Student Loans: Which One Should You Go For?<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-secured-loan-option\"><span id=\"secured-loan-option\"><strong>Secured loan option<\/strong><\/span><\/h3>\n\n\n\n<p>You can also apply for a secured loan, which may help you qualify for a lower APR, larger loan amount, or longer loan term than an unsecured loan. OneMain accepts car titles with VINs as collateral.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-satisfaction-guarantee\"><span id=\"satisfaction-guarantee\"><strong><strong>Satisfaction Guarantee<\/strong><\/strong><\/span><\/h3>\n\n\n\n<p>Springleaf loans have a seven-day satisfaction guarantee, during which period a borrower can decide to cancel his\/her loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-springleaf-loans-rates-and-terms\"><span id=\"what-are-springleaf-loans-rates-and-terms\">What are Springleaf Loans Rates and Terms?<\/span><\/h2>\n\n\n\n<p>They offer loans between $1,500 &#8211; $30,000. All loans offered by OneMain Financial are installment loans with monthly payments. The terms of the loans range from 24 to 60 months. <\/p>\n\n\n\n<p>Note also that all loan offerings come with an origination fee, which can vary from customer to customer. With an APR on loans ranging from 16.05% to 35.99%.<\/p>\n\n\n\n<p>READ MORE: <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/best-personal-finance-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Best Personal Finance Loans <\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-concerns-should-i-worry-about-as-a-borrower\"><span id=\"what-concerns-should-i-worry-about-as-a-borrower\">What concerns should I worry about as a borrower?<\/span><\/h2>\n\n\n\n<p>Borrowers with bad credit, but a valuable asset, such as a vehicle or RV, may be able to secure a loan from OneMain Financial using the asset as collateral.\u00a0But borrowers that miss payments may have their car repossessed by the company.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-i-obtain-a-loan-with-spring-leaf\"><span id=\"how-can-i-obtain-a-loan-with-spring-leaf\">How Can I Obtain A Loan With Spring Leaf?<\/span><\/h2>\n\n\n\n<p>To get a loan from OneMain (formerly Springleaf), you must fill out an online application with some basic information about yourself and your circumstances. If the application is approved, you must visit one of their branch offices to complete the application process.<\/p>\n\n\n\n<p>The loan amount a person can get from OneMain ranges from&nbsp;$1,500&nbsp;to&nbsp;$20,000, which is enough for many of the common uses for personal loans.  <\/p>\n\n\n\n<p>The interest rates you\u2019ll get with OneMain are higher than many other loan companies, partially because of their willingness to take on people with a poorer credit history. Annual percentage&nbsp;rates range from&nbsp;18.00%% to&nbsp;35.99%%.<\/p>\n\n\n\n<p>READ MORE: <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/business-loans-for-badcredit\/\" target=\"_blank\" rel=\"noreferrer noopener\">10 Business Loans That Are Good For BadCredit<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-remark\"><span id=\"final-remark\">Final Remark<\/span><\/h2>\n\n\n\n<p>If you need a mortgage, home equity, or traditional auto loan, you must look elsewhere, as OneMain might not be the right place for you. <\/p>\n\n\n\n<p>However, checking your rate and pre-qualification is only a soft credit check. It\u2019s important to check your state requirements because minimums and maximums will differ depending on geography. <\/p>\n\n\n\n<p>Online or walk-in customers receive the funds quickly after approval, and paying off the obligation early won\u2019t trigger a penalty.<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"Springleaf loans (now OneMain Financial) is a subprime lender company. Their main goal is focused on high-risk, high-interest&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":4,"featured_media":2263,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1272],"tags":[1301],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Springleaf Loans Review: Legit or Scam<\/title>\n<meta name=\"description\" content=\"With OneMain, you get your springleaf loans once it&#039;s been approved without delay. 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