Terms of Service

1. Acceptance of Terms

Welcome to OneMain Financial. These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("you," "your," "user") and OneMain Financial Group, LLC and its subsidiaries (collectively "OneMain Financial," "we," "us," "our").

1.1 Agreement to Terms

By accessing or using our website (1mainfinancialloans-247.com), mobile applications, or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with:

• Our Privacy Policy
• Any loan agreements or credit agreements you enter into with us
• Any additional terms applicable to specific services

1.2 Age Requirement

You must be at least 18 years of age (or the age of majority in your state of residence) to use our services. By using our services, you represent and warrant that you meet this age requirement.

1.3 Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website with a new "Last Updated" date
• Sending notice via email or through your account
• Displaying a prominent notice on our website

Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

2. Definitions

For purposes of these Terms, the following definitions apply:

• "Services" means all products, services, features, content, and applications offered by OneMain Financial through our website, mobile apps, branches, or other channels.
• "Account" means your registered account with OneMain Financial, including loan accounts and online access accounts.
• "User" or "You" means any individual who accesses or uses our Services.
• "Content" means text, graphics, images, software, audio, video, information, and other materials available through our Services.
• "Loan Agreement" means the specific contract governing your loan, separate from these Terms of Service.
• "Personal Information" means information that identifies you personally, as defined in our Privacy Policy.

3. Services Description

OneMain Financial provides the following services through our website and mobile applications:

3.1 Loan Products

• Online loans: Unsecured installment loans from $1,500 to $20,000
• Secured Loans: Loans backed by collateral (typically vehicles)
• Credit Cards: BrightWay® credit card products
• Optional Insurance Products: Life, disability, unemployment, and property insurance

3.2 Online Services

• Loan application and pre-qualification
• Account management and payment processing
• Credit score monitoring (free for customers)
• Financial education resources and calculators
• Customer service and support

3.3 Service Limitations

We reserve the right to:

• Modify, suspend, or discontinue any service at any time
• Refuse service to anyone for any lawful reason
• Change service features, pricing, or terms
• Limit the availability of services in certain geographic areas

4. Eligibility Requirements

To use our Services and apply for loans, you must meet the following eligibility requirements:

4.1 General Eligibility

• Be at least 18 years of age (or age of majority in your state)
• Be a U.S. citizen or permanent resident
• Have a valid Social Security number
• Have a verifiable residential address in a state where we operate
• Have an active bank account with routing and account numbers
• Have a verifiable source of income

4.2 Credit and Financial Eligibility

• Ability to demonstrate sufficient income to repay the loan
• Acceptable debt-to-income ratio
• Credit history that meets our underwriting standards
• No current bankruptcy proceedings (unless discharged)

4.3 State-Specific Requirements

Eligibility may vary by state due to local regulations. Some states may have additional requirements or restrictions on loan amounts, terms, or interest rates.

5. Account Registration

5.1 Creating an Account

To access certain services, you must create an account by providing:

• Accurate and complete personal information
• A valid email address
• A secure password meeting our requirements
• Answers to security questions

5.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your username and password
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Logging out of your account when using shared computers
• Keeping your contact information up to date

5.3 Account Restrictions

You may not:

• Share your account credentials with others
• Create multiple accounts for the same person
• Use another person's account without permission
• Transfer or sell your account to another party
• Use automated systems to access your account

5.4 Account Termination

We may suspend or terminate your account if you:

• Violate these Terms of Service
• Provide false or misleading information
• Engage in fraudulent activity
• Default on your loan obligations
• Request account closure

6. Application Process

6.1 Pre-Qualification

Pre-qualification involves a "soft" credit inquiry that does not affect your credit score. By submitting a pre-qualification request, you:

• Authorize us to obtain your credit report for pre-qualification purposes
• Understand that pre-qualification is not a guarantee of approval
• Acknowledge that final loan terms may differ from pre-qualified offers

6.2 Full Application

When you proceed with a full application, you:

• Authorize us to conduct a "hard" credit inquiry (which may affect your credit score)
• Consent to verification of employment, income, and other information
• Agree to provide additional documentation as requested
• Understand that approval is not guaranteed

6.3 Right to Decline

We reserve the right to decline any application for any lawful reason, including:

• Insufficient creditworthiness
• Inability to verify information
• Failure to meet eligibility requirements
• Previous delinquencies with OneMain or other creditors
• Concerns about fraud or misrepresentation

6.4 Application Withdrawal

You may withdraw your application at any time before signing the final loan agreement without penalty. After signing, cancellation rights may be limited (see Section 7.4).

7. Loan Terms & Conditions

7.1 Separate Loan Agreement

If approved for a loan, you will enter into a separate Loan Agreement that governs the specific terms of your loan, including:

• Loan amount and principal
• Annual Percentage Rate (APR)
• Repayment term and schedule
• Monthly payment amount
• Fees and charges
• Collateral requirements (for secured loans)

7.2 Truth in Lending Act Disclosures

In accordance with federal law, we will provide you with Truth in Lending Act (TILA) disclosures before you sign your Loan Agreement, including:

• Finance charge (total cost of credit)
• Annual Percentage Rate (APR)
• Amount financed
• Total of payments
• Payment schedule

7.3 Loan Disbursement

Upon loan approval and completion of all required documentation, funds will be disbursed via:

• ACH Transfer: 1-2 business days to your bank account
• SpeedFunds: Same day if approved before noon (using debit card)
• Check: Mailed to your address (5-7 business days)

7.4 Right of Rescission

For certain secured loans, you may have a right to cancel the loan within 3 business days of signing, as required by federal law. This right will be explained in your loan documents if applicable.

8. Payment Terms

8.1 Payment Obligations

You agree to:

• Make all payments according to your Loan Agreement schedule
• Pay all applicable fees, including late fees and NSF fees
• Maintain sufficient funds in your account for AutoPay (if enrolled)
• Notify us of any payment issues or financial hardship promptly

8.2 Payment Methods

Acceptable payment methods include:

• Online payments through your account
• Automatic payments (AutoPay)
• Phone payments (automated or with representative)
• In-person payments at branches
• Mail payments (check or money order)

8.3 Late Payments

If you fail to make a payment by the due date:

• A late fee will be assessed (amount specified in your Loan Agreement)
• Late payment may be reported to credit bureaus
• Your account may be subject to collection activities
• Additional fees may apply (NSF fees for returned payments)

8.4 Default and Collections

If your account becomes seriously delinquent or defaults, we may:

• Accelerate the loan (demand full payment immediately)
• Report the default to credit bureaus
• Engage collection agencies or attorneys
• File a lawsuit to recover the debt
• Repossess collateral (for secured loans)
• Charge you for reasonable collection costs and attorney fees

9. Representations & Warranties

By using our Services and applying for a loan, you represent and warrant that:

9.1 Truthfulness and Accuracy

• All information provided in your application is true, accurate, and complete
• You have not omitted any material information
• You will update information if it changes
• Documents provided are genuine and unaltered

9.2 Legal Capacity

• You have the legal capacity to enter into binding contracts
• You are not under any legal disability
• You are not prohibited from obtaining credit
• No one is forcing you to apply for a loan

9.3 Intended Use

• You will use loan proceeds only for lawful purposes
• You will not use funds for prohibited purposes (see Section 10)
• You intend to repay the loan according to the agreed terms

9.4 No Fraud

• You are not engaged in any fraudulent activity
• Your identity has not been stolen or misused
• You are applying for credit in your own name
• You have no intent to deceive or defraud OneMain Financial

10. Prohibited Uses

You agree not to use our Services or loan proceeds for any of the following purposes:

10.1 Prohibited Loan Uses

• Educational Expenses: Tuition, fees, or other costs for postsecondary education (college, university, trade school)
• Business Purposes: Starting or operating a business, commercial activities
• Investments: Purchasing stocks, bonds, securities, cryptocurrencies, or other speculative investments
• Gambling: Any form of gambling or betting activities
• Illegal Activities: Any illegal or unlawful purpose

10.2 Prohibited Website Activities

When using our website or mobile app, you may not:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Use automated tools to access or scrape our website
• Impersonate another person or entity
• Engage in fraudulent activities
• Interfere with other users' access to our Services
• Reverse engineer or decompile our software

11. Intellectual Property

11.1 Ownership

All content on our website and mobile applications, including but not limited to:

• Text, graphics, logos, images, photographs
• Software, code, and functionality
• Trademarks, service marks, and trade names
• Compilations, databases, and website design

Are owned by OneMain Financial or our licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws.

11.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our website for personal, non-commercial purposes
• View and download content for your own use in connection with our Services

11.3 Restrictions

You may not:

• Reproduce, distribute, modify, or create derivative works from our content
• Use our content for commercial purposes
• Remove copyright notices or proprietary markings
• Frame or mirror our website on another site
• Use our trademarks without written permission

11.4 Trademarks

"OneMain Financial," "BrightWay," and other marks are registered trademarks of OneMain Financial Group, LLC. Use of these marks without our prior written consent is prohibited.

12. User Content

12.1 User Submissions

You may have the opportunity to submit content such as:

• Reviews and testimonials
• Comments and feedback
• Survey responses
• Questions or inquiries

12.2 License Grant

By submitting content to us, you grant OneMain Financial a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to:

• Use, reproduce, modify, and display your content
• Publish your content on our website and marketing materials
• Create derivative works from your content

12.3 Content Standards

You agree that any content you submit will:

• Be truthful and accurate
• Not violate any laws or regulations
• Not infringe on third-party rights
• Not contain offensive, defamatory, or harmful material
• Not contain spam or advertising

12.4 No Obligation

We have no obligation to:

• Monitor user-submitted content
• Publish or display your content
• Maintain or return any content you submit

13. Disclaimer of Warranties

13.1 "As Is" Basis

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Title
• Accuracy, completeness, or reliability of content

13.2 No Guarantee of Service

We do not warrant that:

• Our Services will be uninterrupted, timely, secure, or error-free
• The results obtained from using our Services will be accurate or reliable
• Any errors in our software or systems will be corrected
• Our website will be available at all times

13.3 Third-Party Content

We are not responsible for:

• Content provided by third parties
• Links to third-party websites
• Accuracy of third-party information

13.4 State Law Variations

Some states do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. You may have additional rights that vary by state.

14. Limitation of Liability

14.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ONEMAIN FINANCIAL SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption
• Loss of goodwill or reputation
• Any damages arising from your use or inability to use our Services

14.2 Maximum Liability

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE GREATER OF:

• $100, OR
• The amount of fees you paid to us in the 12 months preceding the claim

14.3 Exceptions

These limitations do not apply to:

• Liability that cannot be excluded by law
• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Violations of your rights that cannot be limited by law

14.4 State Law Variations

Some states do not allow limitation of liability for certain types of damages, so these limitations may not apply to you.

15. Indemnification

You agree to indemnify, defend, and hold harmless OneMain Financial, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorney fees) arising from or related to:

• Your use or misuse of our Services
• Your violation of these Terms
• Your violation of any law or regulation
• Your violation of any third-party rights
• Any content you submit or post
• Your fraudulent or negligent actions

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

16. Dispute Resolution

16.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to contact us to attempt to resolve the issue informally:

• Email: legal@1mainfinancialloans-247.com
• Phone: 1-800-290-7002
• Mail: OneMain Financial, Legal Department, 601 NW 2nd Street, Evansville, IN 47708

16.2 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Except where prohibited by law, you and OneMain agree that any dispute arising from or relating to these Terms or our Services will be resolved through binding arbitration rather than in court.

Arbitration Rules:

• Arbitration will be conducted by the American Arbitration Association (AAA)
• The Federal Arbitration Act governs the interpretation and enforcement of this provision
• Arbitration will take place in your county of residence or another mutually agreed location
• Each party will bear its own costs and attorney fees unless the arbitrator awards them

16.3 Class Action Waiver

YOU AND ONEMAIN AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

16.4 Exceptions to Arbitration

Either party may bring a lawsuit in court for:

• Small claims court matters (within jurisdictional limits)
• Injunctive relief to protect intellectual property rights
• Collection of debts owed

16.5 Opt-Out Right

You have the right to opt out of this arbitration agreement by sending written notice within 60 days of first accepting these Terms to the address above.

16.6 Governing Law

These Terms shall be governed by the laws of the State of Indiana, without regard to its conflict of law provisions. However, your loan agreement may be governed by the laws of your state of residence.

16.7 Venue

For any disputes not subject to arbitration, you agree to submit to the exclusive jurisdiction of courts located in Vanderburgh County, Indiana.

17. Electronic Communications

17.1 Consent to Electronic Communications

By using our Services, you consent to receive communications from us electronically, including:

• Email messages
• Text messages (SMS)
• Push notifications through our mobile app
• Messages posted to your online account

17.2 Electronic Signatures

You agree that:

• Electronic signatures are valid and legally binding
• Electronically signed documents have the same legal effect as paper documents
• You consent to conduct transactions electronically

17.3 Electronic Delivery of Documents

We may provide all required disclosures, notices, and other documents electronically. These electronic documents satisfy any legal requirement that such communications be in writing.

17.4 Hardware and Software Requirements

To access electronic communications, you need:

• A device with internet access
• A current web browser
• A valid email address
• Software capable of viewing PDFs

17.5 Withdrawing Consent

You may withdraw consent to electronic communications by contacting us. However, withdrawal may limit your ability to use certain services and may result in account closure.

18. Amendments

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Post the updated Terms on our website
• Update the "Last Updated" date at the top of this page
• Notify you of material changes via email or account message
• Provide notice on our website homepage for significant changes

Your continued use of our Services after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using our Services and may close your account.

19. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction:

• That provision shall be enforced to the maximum extent permissible
• The remaining provisions shall continue in full force and effect
• The invalid provision shall be modified to achieve the intent of the original provision

20. Entire Agreement

These Terms of Service, together with:

• Our Privacy Policy
• Your Loan Agreement (if applicable)
• Any additional terms applicable to specific services

Constitute the entire agreement between you and OneMain Financial regarding your use of our Services and supersede all prior agreements, understandings, and communications.

No Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

Assignment: You may not assign or transfer these Terms or your rights hereunder. We may assign our rights and obligations without restriction.

21. Contact Information

For questions about these Terms of Service, please contact us:

Legal Department

OneMain Financial Group, LLC
Attn: Legal Department
601 NW 2nd Street
Evansville, IN 47708

Email: legal@1mainfinancialloans-247.com
Phone: 1-800-290-7002
Hours: Monday - Friday, 8:00 AM - 8:00 PM ET

22. State-Specific Terms

Certain provisions of these Terms may be modified or supplemented by state-specific requirements:

22.1 California Residents

California residents are entitled to the following specific rights:

• Right to request information about personal information shared with third parties
• Additional disclosures under the California Consumer Privacy Act (CCPA)
• Specific notice requirements for arbitration agreements

22.2 New York Residents

For New York residents:

• Arbitration agreements may have additional limitations
• Additional disclosure requirements apply
• Specific interest rate and fee caps may apply

22.3 Other States

Residents of other states may have additional rights or protections under state law. If any provision of these Terms conflicts with mandatory state law, the state law provision shall prevail to the extent of the conflict.

Licensing: OneMain Financial is licensed in all states where we operate. State licensing information can be found at nmlsconsumeraccess.org (NMLS #1339418).