{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0001584207","name":"OneMain Holdings, Inc.","summary":"OneMain Holdings, Inc. is a consumer finance company serving nonprime consumers, offering personal loans (secured and unsecured), secured auto finance loans originated at point of purchase through dealerships, and BrightWay credit cards purchased from a third-party bank partner. At December 31, 2025, the company held $24.8 billion in finance receivables from approximately 3.6 million customer accounts, operating over 1,300 branch locations across 48 states, supplemented by digital and central operations platforms.","people":[],"products":[{"name":"Personal Loans","type":"service","description":"Non-revolving, fixed-rate consumer loans with terms of 3-6 years, secured by automobiles, other titled collateral, or unsecured."},{"name":"Auto Finance Loans","type":"service","description":"Fixed-rate automobile retail installment contracts originated at point of purchase through franchise and independent dealerships."},{"name":"BrightWay Credit Cards","type":"service","description":"Open-ended, revolving, fixed-rate unsecured credit cards purchased from a third-party bank partner."},{"name":"Credit Life Insurance","type":"service","description":"Optional insurance paying outstanding finance receivable balance upon borrower's death."},{"name":"Credit Disability Insurance","type":"service","description":"Optional insurance providing scheduled monthly loan payments during borrower's disability."},{"name":"Credit Involuntary Unemployment Insurance","type":"service","description":"Optional insurance providing scheduled monthly loan payments during involuntary unemployment."},{"name":"Guaranteed Asset Protection (GAP) Coverage","type":"service","description":"Covers shortfall between auto loan balance and primary insurance payment upon vehicle loss."},{"name":"Trim by OneMain","type":"platform","description":"Free financial wellness platform offering bill negotiation, subscription management, budgeting, and spend tracking."},{"name":"Collateral Protection Insurance","type":"service","description":"Required insurance at customer's expense when required collateral insurance is not maintained."}],"partnerships":[{"partner_name":"Third-party bank partner","partnership_type":"strategic","description":"BrightWay credit cards are originated through this unnamed bank partner; OneMain purchases the receivable balances.","start_date":null},{"partner_name":"Franchise and independent auto dealerships","partnership_type":"strategic","description":"Network of dealerships through which auto finance loans are originated at point of purchase.","start_date":null},{"partner_name":"Unaffiliated company (optional membership plans)","partnership_type":"strategic","description":"Provides optional membership plan products offered to OneMain customers.","start_date":null}],"affiliations":[],"origin":{"leaf":"6e98af22e05758c22c9f03a05bff9e3a3c9aa02c9a1066d13e52cd95074d2b3f","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"25403f839851264c0bbada16638ee64dce7a9e7732a215210d1ce0e8884a9fad","parent":"dee506637bb37658d73a8741e0a288646568403c4f340948b95100514cde49fe","source":"0001584207-26-000008","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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