UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (Date of earliest event reported): ~~September~~December 175, 2025 (~~September~~December 174, 2025)

ONEMAIN FINANCE CORPORATION

(Exact name of registrant as specified in its charter)

Indiana	001-06155	35-0416090
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

601 N.W. Second Street, Evansville, Indiana 47708

(Address of principal executive offices)(Zip Code)

(812) 424-8031

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8‑K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01.

Entry into a Material Definitive Agreement.

On ~~September~~December 174, 2025, OneMain Finance Corporation (“OMFC,” “we,” “us” or “our”) ~~issued~~entered ~~$800.0~~into ~~million aggregate principal amount of our 6.500% Senior Notes due 2033 (the “Notes”) under~~ an ~~Indenture,~~underwriting ~~dated~~agreement ~~as of December 3, 2014~~ (the “~~Base~~Underwriting ~~Indenture~~Agreement”), ~~among OMFC, as issuer,~~ with OneMain Holdings, Inc., the direct sole shareholder of OMFC (“OMH”), as guarantor, and ~~Wilmington~~Citigroup ~~Trust,~~Global ~~National Association,~~Markets asInc. ~~trustee (the “Trustee”), as amended~~ and ~~supplemented~~Truist bySecurities ~~a Twenty-Third Supplemental Indenture~~Inc., ~~dated~~ as representatives of ~~September 17, 2025 (~~the ~~“Supplemental~~several ~~Indenture”~~underwriters ~~and,~~named ~~together~~therein ~~with~~ (the ~~Base Indenture, the~~ “~~Indenture~~Underwriters”), ~~among~~relating ~~OMFC,~~to ~~OMH~~the issuance and ~~the~~ ~~Trustee,~~sale ~~pursuant~~by toOMFC ~~which~~of ~~OMH~~$1.0 ~~provided~~billion aaggregate ~~guarantee~~principal amount of ~~the~~our ~~Notes~~6.750% ~~The~~Senior Notes ~~were~~due ~~offered~~2033 ~~and~~(the ~~sold~~“Notes”) in an underwritten public offering made pursuant to a ~~Prospectus,~~registration ~~dated~~statement ~~October 13, 2023,~~ and ~~a Prospectus Supplement, dated September 3, 2025,~~related ~~filed~~prospectus assupplement ~~part of OMFC’s and OMH’s joint Registration Statement on Form S-3 (Registration No. 333-274956-01)~~ filed with the Securities and Exchange Commission (the “SEC”). The ~~Notes~~offering ~~are~~is ~~guaranteed~~expected to close on anDecember ~~unsecured~~18, ~~basis~~2025, bysubject ~~OMH~~to satisfaction of customary closing conditions.

The ~~Notes~~Underwriting ~~will~~Agreement ~~mature~~includes oncustomary ~~March 15~~representations, ~~2033~~warranties and ~~bear~~covenants ~~interest~~by ~~at a rate of 6.500% per annum, payable semiannually in arrears on March 15 and September 15 of~~ each ~~year, beginning on March 15, 2026. The Notes are our senior unsecured obligations and rank equally in right~~ of ~~payment~~OMFC ~~to all of our other existing~~ and ~~future unsubordinated indebtedness from time to time outstanding~~OMH. ~~The~~It ~~Notes~~also ~~are~~provides ~~guaranteed~~for bycustomary ~~our~~indemnification ~~direct parent company, OMH, and will not be guaranteed~~ by ~~any~~each of ~~our subsidiaries~~OMFC, ~~including~~OMH ~~OneMain~~and ~~Financial Holdings, LLC, or any other party. The Notes are effectively subordinated to all of our secured obligations to~~ the ~~extent~~Underwriters ofagainst ~~the~~certain ~~value of the assets securing such obligations, structurally subordinated to all existing and future~~ liabilities ~~of our subsidiaries (including OneMain Financial Holdings, LLC),~~ and ~~rank~~customary ~~senior~~contribution provisions in ~~right~~respect of ~~payment~~those ~~to all existing and future subordinated indebtedness of OMFC~~liabilities.

The ~~Notes~~foregoing ~~may~~description beof ~~redeemed,~~the inUnderwriting ~~whole~~Agreement ordoes innot ~~part,~~purport atto ~~OMFC’s~~be ~~option,~~complete atand ~~any~~is ~~time~~qualified orin ~~from~~its ~~time~~entirety toby ~~time~~reference ~~(i) prior~~ to ~~September~~the ~~15,~~full ~~2028,~~text ~~at a “make-whole”~~of ~~redemption price specified in~~ the ~~Indenture,~~Underwriting ~~and (ii) on and after September 15~~Agreement, ~~2028, at the applicable redemption price set forth below (expressed as~~ a ~~percentage~~copy of ~~the~~which ~~principal~~is ~~amount~~filed ofas ~~the~~Exhibit ~~Notes~~1.1 to bethis ~~redeemed),~~Current ifReport ~~redeemed~~on ~~during~~Form ~~the 12~~8-~~month period~~K ~~beginning on September 15 of each of the years indicated below, in each case plus accrued~~ and ~~unpaid~~is ~~interest~~incorporated onherein ~~such~~by ~~principal amount to, but not including, the applicable redemption date~~reference.

Year	Percentage
2028		103.250	%
2029		101.625	%
2030 and thereafter		100.000	%

OMFC intends to use the net proceeds from this offering to repay outstanding secured facilities, with any excess to be used for general corporate purposes.

~~The~~Certain ~~Indenture~~of ~~contains~~the ~~covenants~~Underwriters ~~that,~~and ~~among~~their ~~other~~affiliates ~~things~~have engaged in, ~~limit~~and ~~OMFC’s~~may ~~ability~~in tothe ~~create~~future ~~liens~~engage onin, ~~assets~~investment banking and ~~restrict~~other ~~OMFC’s~~commercial ~~ability~~dealings ~~to consolidate,~~in ~~merge~~the orordinary ~~sell~~course ~~its~~of ~~assets.~~business ~~The~~with ~~Indenture~~OMH, ~~also~~its ~~provides~~subsidiaries ~~for~~or ~~customary~~affiliates, ~~events~~including ofOMFC. ~~default~~They ~~(subject~~have received, or may in ~~certain~~the ~~cases~~future toreceive, customary ~~grace~~fees and ~~cure~~commissions ~~periods),~~for ~~which~~these ~~include~~transactions. ~~nonpayment,~~Some ~~breach~~ of ~~covenants in~~ the ~~Indenture~~underwriters and ~~certain~~their ~~events~~affiliates ~~of bankruptcy and~~have ~~insolvency.~~entered ~~Generally~~into, ifand anmay ~~event~~in ofthe ~~default~~future ~~occurs~~enter into, ~~the~~financing ~~Trustee~~arrangements or(including ~~holders~~offerings of atasset-backed ~~least~~notes) ~~30%~~ in ~~aggregate~~which ~~principal~~they ~~amount~~act ofas ~~the~~initial ~~then~~purchaser ~~outstanding~~or ~~Notes~~serve ~~may~~as ~~declare~~lender ~~the principal amount of all the Notes~~ to beOMH, ~~due~~its ~~and~~subsidiaries ~~payable~~or ~~immediately.~~affiliates, ~~The~~including ~~Notes will not have the benefit of any sinking fund~~OMFC.

The foregoing description of the Indenture and the Notes does not purport to be complete and is qualified in its entirety by reference to the full text of the Base Indenture and Supplemental Indenture (and form of 6.500% Senior Notes due 2033 included therein as Exhibit A), copies of which are filed as Exhibits 4.1 and 4.2, respectively, to this Current Report on Form 8-K and are incorporated herein by reference. In connection with the issuance of the Notes, Jeffrey M. Gershon, Associate General Counsel of OMFC, and Skadden, Arps, Slate, Meagher & Flom LLP provided OMFC with the legal opinions filed as Exhibits 5.1 and 5.2, respectively, to this Current Report on Form 8-K, which are incorporated herein by reference.

Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

The disclosure provided in Item 1.01 of this Current Report on Form 8‑K is hereby incorporated by reference into this Item 2.03.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number		Description
4.1		Indenture relating to the Notes, dated as of December 3, 2014, among OneMain Finance Corporation, OneMain Holdings, Inc. and Wilmington Trust, National Association, as trustee, as filed with the SEC on December 3, 2014 as Exhibit 4.1 to OMFC’s Current Report on Form 8-K (File No. 001-06155), and incorporated herein by reference.
*1.1		Underwriting Agreement, dated as of December 4, 2025, among OneMain Finance Corporation, OneMain Holdings, Inc., and Citigroup Global Markets Inc. and Truist Securities Inc., as representatives of the several underwriters named therein.
*4.2		Twenty-Third Supplemental Indenture relating to the Notes, dated as of September 17, 2025, among OneMain Finance Corporation, OneMain Holdings, Inc. and Wilmington Trust, National Association, as trustee (including the form of 6.500% Senior Notes due 2033 included therein as Exhibit A).
*5.1		Opinion of Jeffrey M. Gershon.
*5.2		Opinion of Skadden, Arps, Slate, Meagher & Flom LLP.
*23.1		Consent of Jeffrey M. Gershon (included as part of Exhibit 5.1 hereto).
*23.2		Consent of Skadden, Arps, Slate, Meagher & Flom LLP (included as part of Exhibit 5.2 hereto).
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

*	Filed herewith.

Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ONEMAIN FINANCE CORPORATION By: /s/ Matthew W. Vaughan Name: Matthew W. Vaughan Title: Vice President - Senior Managing Director and Chief Financial Officer

ONEMAIN FINANCE CORPORATION

By:	/s/ Matthew W. Vaughan
	Name:	Matthew W. Vaughan
	Title:	Vice President - Senior Managing Director and Chief Financial Officer

Date: December 5, 2025

Date: September 17, 2025

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