OneMain Holdings Inc美股招股说明书(2025-05-28版)

424B31ny20049645x1_424b3.htm424B3 TABLEOFCONTENTS Theinformationinthispreliminaryprospectussupplementandtheaccompanyingprospectusisnotcompleteandmaybechanged.AregistrationstatementrelatingtothesecuritieshasbeendeclaredeffectivebytheSecuritiesandExchangeCommission.Thispreliminaryprospectussupplementandtheaccompanyingprospectusareneitherofferstosellnorsolicitationsofofferstobuythesesecuritiesinanyjurisdictionwheretheofferorsalethereofisnotpermitted. FiledPursuanttoRule424(b)(3)RegistrationStatementNo.333-274956 333-274956-01 SubjecttoCompletion,datedMay28,2025 PRELIMINARYPROSPECTUSSUPPLEMENT (ToProspectusdatedOctober13,2023) OneMainFinanceCorporation $500,000,000 %SeniorNotesdue2032 OneMainFinanceCorporation(“OMFC”)isoffering$500,000,000aggregateprincipalamountofits%SeniorNotesdue2032(the“notes”).Thenoteswillbearinterestatarateof%perannumandwillmatureon,2032.Interestwillaccrueonthenotesfrom,2025.Interestonthenotesispayableonandofeachyear,commencingon,2025. Thenoteswillberedeemable,inwholeorinpart,atanytimeonorafter,2028attheredemptionpricessetforthinthisprospectussupplementunder“DescriptionoftheNotes—OptionalRedemption,”plusaccruedandunpaidinterest,ifany,to,butexcluding,thedateofredemption.Atanytimepriorto,2028,thenoteswillberedeemable,inwholeorinpart,ataredemptionpriceequalto100%oftheprincipalamountofthenotes,plusaccruedandunpaidinterest,ifany,to,butexcluding,thedateofredemption,plusa“make-whole”premium,asdescribedunder“DescriptionoftheNotes—OptionalRedemption.” ThenoteswillbeguaranteedbyOMFC’sdirectparentcompany,OneMainHoldings,Inc.(“OMH”),ofwhichOMFCisawholly-owneddirectsubsidiary,butthenoteswillnotbeguaranteedbyanyofOMFC’ssubsidiaries,includingOneMainFinancialHoldings,LLC(“OMFH”)anditssubsidiaries(OMFHanditssubsidiaries,collectively,“OneMain”),oranyotherparty. ThenoteswillbeOMFC’sgeneralunsecuredobligationsandwillrankequallyinrightofpaymentwithallofOMFC’sexistingandfutureunsubordinateddebt.ThenoteswillbeeffectivelysubordinatedtoallofOMFC’ssecuredobligationstotheextentofthevalueoftheassetssecuringsuchobligations,andstructurallysubordinatedtoallexistingandfutureliabilitiesofOMFC’ssubsidiaries(includingOneMain). OMFCintendstouseallofthenetproceedsfromthisofferingtoredeemaportionofitsoutstanding7.125%SeniorNotesdue2026.Thisprospectussupplementisnotanoticeofredemptionorasolicitationofanofferforthe7.125%SeniorNotesdue2026.See“UseofProceeds.” Investinginthenotesinvolvesrisks.See“RiskFactors”beginningonpageS-6ofthisprospectussupplementandpage7oftheaccompanyingprospectusandthoseriskfactorsinthedocumentsincorporatedbyreferenceinthisprospectussupplementandtheaccompanyingprospectus. Per Note NoteTotal Publicofferingprice(1) % $ Underwritingdiscount % $ Proceeds,beforeexpenses,tous % $ (1)Plusaccruedinterest,ifany,from,2025,ifsettlementoccursafterthatdate. NeithertheSecuritiesandExchangeCommission(the“SEC”)noranystatesecuritiescommissionhasapprovedordisapprovedofthesesecuritiesordeterminedifthisprospectussupplementortheaccompanyingprospectusistruthfulorcomplete.Anyrepresentationtothecontraryisacriminaloffense. Thenoteswillnotbelistedonanysecuritiesexchange. Weexpectthatbeneficialinterestsinthenoteswillbecreditedinbook-entryformthroughthefacilitiesofTheDepositoryTrustCompany(“DTC”)totheaccountsofitsparticipants,includingEuroclearBankS.A./N.V.,asoperatoroftheEuroclearSystem,andClearstreamBankingS.A.,onorabout,2025. JointBook-RunningManagers BarclaysGoldmanSachs&Co.LLC BMOCapitalMarkets DeutscheBankSecuritiesRegionsSecuritiesLLC BNPPARIBAS Mizuho CitigroupNatWest Citizens CapitalMarkets RBCCapital Markets WellsFargo SMBCNikko TDSecurities TruistSecurities Securities Co-Manager DrexelHamilton ,2025 ABOUTTHISPROSPECTUSSUPPLEMENT Thisprospectussupplementandtheaccompanyingprospectusarepartofa“shelf”registrationstatementthatwefiledwiththeSEC.Underthisshelfregistrationprocess,wemaysellthesecuritiesdescribedintheaccompanyingprospectusatourdiscretioninoneormoreofferings.Youshouldread(i)thisprospectussupplement,(ii)theaccompanyingprospectus,(iii)anyfreewritingprospectuspreparedbyoronbehalfofusortowhichwehavereferredyouand(iv)thedocumentsincorporatedbyreferencehereinandthereinthataredescribedinthisprospectussupplementandtheaccompanyingprospectusundertheheading“WhereYouCanFindMoreInformation.” Weandtheunderwritershavenotauthorizedanyonetoprovideyouwithanyinformationotherthanthatcontainedorincorporatedbyreferenceinthisprospectussupplement,theaccompanyingprospectusoranyfreewritingprospectuspreparedbyoronbehalfofusortowhichwehavereferredyou.Wetakenoresponsibilityfor,andcanprovidenoassuranceastothereliabilityof,anyotherinformationthatothersmayhaveprovidedyou.Weandtheunderwritersareofferingtosell,andseekingofferstobuy,thesesecuritiesonlyinjurisdictionswheretheoffersandsalesarepermitted.Youshouldassumethattheinformationappearinginthisprospectussupplementandtheaccompanyingprospectusoranyotherdocumentsincorporatedbyreferenceineitherisaccurateonlyasofthestateddateofeachdocumentinwhichtheinformationiscontained.Afterthestateddate,o