Foursight Capital Review: Payments, Payoff, Fees and Its Record

Foursight Capital is a real, state-licensed auto lender (NMLS ID 1458842) that buys car loans from dealers, and since April 2024 it has belonged to OneMain. If a dealer arranged your loan and your paperwork says Foursight, Foursight is the company you pay, the one that quotes your payoff and the one that releases your title. On 25 October 2026 we read Foursight’s FAQ, dealer page, Disclosures page, sign-up and login pages, the Auto-Pay terms inside its sign-up page, its Montana fee schedule, privacy notice and text-message policy; OneMain Holdings’ annual and quarterly reports from 2023 to June 2026; the seller Jefferies’ 2023 annual report; Foursight’s own 2026 filing with the SEC; the CFPB complaint database; and Foursight’s BBB profile. We logged in to nothing and applied for nothing, and this site has no commercial relationship with Foursight, OneMain or any lender.

What Foursight Capital is, and how your loan got there

Foursight is an indirect lender: it buys the contract a car dealer writes. Its dealer page says, “We work with franchise dealers, large independent dealers and small independent dealers to offer auto financing for consumers in the 525-725 credit range,” and shows terms of 36 to 75 months. Its dealer inquiry form asks what kind of lot a dealer runs, with options from “Brick / Mortar” to “Gravel” and “Trailer,” which tells you how small some of the selling dealers can be.

The deal is shaped at the dealership. Foursight offers dealers a portal it calls U-Drive that “enables real-time application restructuring and rehashing for indirect dealers,” with control over “collateral adjustments, structural modifications, and document uploads.” In plain terms, the finance office can rework the car or the structure of the deal until the contract fits what Foursight will buy. You sign the dealer’s retail installment contract, the dealer assigns it to Foursight, and Foursight collects from then on. Foursight prints nothing about what dealers earn for placing a loan; our reviews of Westlake Financial and Exeter Finance show what two other dealer lenders tell dealers. Arriving with your own preapproval gives you something to compare.

The owner has changed. The dealer page says, “In April 2024, Foursight was acquired by OneMain Financial,” and then: “Now OneMain Auto, we specialize in near prime-sub prime lending.” OneMain’s annual report describes Foursight as buying contracts “primarily made to near-prime borrowers across the country.” The labels differ: the dealer page adds “sub prime” and starts at 525. So do the terms: OneMain’s report says its auto finance loans have “fixed terms generally between three and six years,” which is 36 to 72 months by our arithmetic, 3 months short of the dealer page’s 75. Your contract states your own term.

Foursight Capital LLC is a Utah company, per its SEC record, with an office in West Valley City and a mailing address in Salt Lake City. Its Disclosures page names one other brand, “d/b/a Rateworks”; the Rateworks website timed out each time we tried it.

What OneMain’s filings say about the Foursight business

The sale shows up in the seller’s and the buyer’s SEC filings:

The deal closed later than either party expected and cost $10 million more than announced, by our arithmetic; the filings we read do not explain the change. OneMain said it wanted Foursight’s “tested credit models, franchise dealer network and loan portfolio.”

The purchase accounting says something about the loans. OneMain took on $908 million of gross receivables, valued at $829 million. It classed $226 million of them, 24.9% by our arithmetic, as “purchased credit deteriorated,” meaning they had “experienced more-than-insignificant credit deterioration since origination,” and set aside $31 million for those plus $61 million for the rest. In 2024 Foursight made up 4% of OneMain’s assets and 2% of its revenue. OneMain also took over six Foursight Capital Automobile Receivables Trust securitizations (FCRT 2021-2 to FCRT 2024-1), trusts that hold Foursight contracts for investors. Foursight still files with the SEC as a securitizer; its report of 13 February 2026 showed “no activity to report” for 2025 under the rule on requests to buy back securitized loans.

After the purchase, OneMain reports Foursight inside its “auto finance” line, which also holds dealer contracts OneMain wrote itself: there were already $745 million of those at the end of 2023, before Foursight arrived. The filings no longer separate the two, so these figures describe the whole dealer-loan book, not Foursight alone:

The book grew 8.3% in the first half of 2026, and OneMain charged off $142 million of these loans (gross) in 2025. Its five largest states at the end of 2025 were Georgia ($188 million), Florida, Texas, Illinois and California, with $823 million between them, 33.4% of the book (our arithmetic). Since 2023 the CFPB has supervised OneMain’s whole consumer business as a “larger participant” in auto financing, its annual report says. Its report for the quarter to 30 September 2026 was not yet filed on 25 October 2026.

Foursight Capital login and payments: what each way of paying costs

Foursight’s customer site sits behind the LOGIN and SIGN UP buttons on foursight.com. You log in with an email address or user name and password, or with a phone number, to which “a text message with a verification code will be sent” if it matches an account; there are links for a forgotten user name or password. Registering asks for your account number, date of birth and Social Security number, then an email, a password and a mobile number to verify by text. We entered nothing.

The home page also promises “Credit Mentoring” (“real-time feedback on the cost of your loan”) and e-statements, which we could not see without an account. On paying, the FAQ leaves the amounts out:

So the only method Foursight calls free is Auto-Pay, and the only dollar figure it posts for another is one state’s $10 for help from a person. Ask the fee before paying by phone.

Foursight’s documents give three different sets of phone hours. The FAQ says customer service runs Monday to Friday from 8:00 AM to 8:00 PM Mountain time; the Contact Us page says 6:00 AM to 8:00 PM; and the Michigan disclosure says phone payments run 8:00 am to 6:00 pm (Mountain). None mentions weekends. If you are cutting it close to a due date, pay online.

Foursight’s Auto-Pay agreement, clause by clause

The Auto-Pay terms sit in a pop-up on the sign-up page, where they are easy to accept unread. They are short, and several clauses matter more than they look:

• It drafts the scheduled payment and nothing else. If late fees, returned-item fees or past-due installments build up, “Auto-Pay will not automatically withdraw those amounts” and you must pay them “outside of Auto-Pay.” Being on Auto-Pay does not catch you up after a missed month.
• It ignores paying ahead. If you have paid extra toward future payments, Auto-Pay “will not take into account the paid ahead status and will continue to deduct the Scheduled Payment each month.”
• It takes time to start. Foursight must receive the request at least ten business days before your next due date, or Auto-Pay “may not activate until the next Due Date.” Keep paying by hand until the first draft has gone through.
• Month-end due dates move. If your due date is the 29th through the 31st, Auto-Pay draws on the last day of any shorter month.
• It may not stop by itself. “Auto-Pay may not automatically terminate even after the last Scheduled Payment under the Contract is made.” To stop it, Foursight must hear from you at least three business days before the next scheduled draft, including when you pay the loan off early.
• Bounced drafts can end it. After consecutive returned payments, enrollment “may be disabled at Foursight’s discretion,” which can leave you thinking you are paid when you are not.
• Wrong bank details are your risk. You agree to hold Foursight harmless for losses from inaccurate account information.

The agreement covers payments under a “retail installment contract or promissory note, as applicable,” and Foursight says each draft shows on your next statement.

The fees Foursight prints: its Montana schedule

Foursight posts no general fee list. Its Disclosures page links one document with amounts, a Montana “Fee Schedule.” Other states’ fees can differ, and your contract and state law set yours, but it is the best guide Foursight publishes:

The extension fee is the one to notice. Foursight does not define an extension or say who qualifies. At other lenders we have read, such as Santander Consumer USA, an extension moves a payment to the end of the loan; in Montana, Foursight charges a fee for each one.

Two other state documents on the Disclosures page are about limits, not Foursight’s own prices. Missouri’s is the state’s standard schedule-of-charges poster, listing a 36.00% maximum interest rate on personal loans not secured by real estate, plus a prepaid finance charge of the lesser of 10% of principal or $100.00; it does not say what Foursight charges. South Carolina’s maximum rate schedules are scanned images we could not read. Foursight posts no interest rates anywhere we looked, so the rate on your contract is the one to check, along with the dealer’s own charges; see our guides to the out-the-door price and dealer fees.

Falling behind: extensions, due-date changes and hardship help

Foursight’s FAQ has a second page that loads only in a browser, and we could not read it; any FAQ answer on skipping a payment would be there. The readable documents show that extensions and due-date changes exist and cost money in Montana. Call before the payment is late and get any change in writing.

OneMain’s annual report describes the help it offers across its loans. “If a customer is experiencing a temporary financial hardship, we may extend the opportunity of a deferment and bring the customer current,” it says, after checking that the problem is temporary. If it is not, “the account is evaluated for other methods of borrower assistance, such as modification of loan terms,” and a “re-age” may bring a delinquent account current for borrowers who show “an ability and a willingness to repay.” It does not say which of these Foursight offers, but its tables show how often auto finance loans are modified:

Nearly all combined a lower rate with a longer term ($24 million of the $25 million in 2025). They are rare, about 1% of the book a year, but large when they happen. A longer loan can leave you owing more than the car is worth for longer; see our guide to negative equity.

Servicemembers. Foursight’s FAQ sends Servicemembers Civil Relief Act requests to OneMain’s Military Family Support Team. OneMain’s military benefits page (read for our OneMain review on 9 October 2026; its terms bar linking) covers customers of “OneMain Financial, Foursight Capital and BrightWay” and lists a 6% interest-rate cap and protection from non-judicial repossession for those who entered active duty after the loan began, requested any time up to 180 days after discharge.

Payoff, title release and selling the car

You can see your payoff by logging in, and Foursight says “the balance quoted is good for ten days to allow time for the payoff to be received and posted to your account.” Payoffs go to different places from monthly payments: mailed payoffs to a P.O. box in Salt Lake City and overnight payoffs to Foursight’s office in West Valley City, Utah, while monthly payments go to Dallas. Use the address on your own payoff quote, and if you are on Auto-Pay, stop it as described above so it does not draw a payment after the loan is closed.

The title comes back only at the very end. “Foursight Capital will only release a title or its equivalent when the loan is paid in full,” the FAQ says, and once the final payment arrives, “the title could be released in as little as ten business days,” depending on whether your state uses electronic titles. Title questions go to an address at OneMain’s domain, omatitles@omf.com, with your account number. If a new state needs the title to register the car, Foursight asks for a request form by fax.

Because the title stays with Foursight until the balance is zero, selling the car means paying Foursight first; in a private sale, follow the order in our guide to paying off a lien during a sale. If the release has not arrived weeks after payoff, our page on a stuck lien release covers what to do. Refinancing also pays Foursight off; see why dealer-arranged loans are often refinanceable.

Foursight and its owner print different terms for their two kinds of car loan (no prices compared):

Our OneMain Financial review covers OneMain’s own loans, fees and record in full.

Insurance, GAP and repossession

GAP. If the car is written off, Foursight’s FAQ says to “refer to your GAP policy” and, if you do not have it, to “contact the dealer you purchased from to obtain a copy.” In other words, Foursight treats GAP as something bought through the dealer, and the claim runs through the GAP policy rather than through Foursight. Our guide to how GAP works explains what it pays.

Car insurance. Foursight’s pages do not say what happens if your insurance lapses. OneMain’s annual report says it requires “collateral protection insurance, at the customer’s expense,” when customers fail to keep required insurance on collateral. South Carolina’s pamphlet, which Foursight posts, counts “failing to keep insurance on a vehicle” as a usual default; keep cover in force and send proof when asked. See our guide to a lapse in car insurance.

Repossession. Foursight publishes no repossession policy. OneMain’s annual report lists “repossessing and re-marketing of titled collateral” among its central operations. Montana’s schedule says repossession fees, attorney fees and court costs are charged at the “actual amount incurred.” State law sets the rules on notice and the sale, and Foursight posts one state’s summary: a South Carolina pamphlet saying the lender must send a “Notice of Right to Cure” before repossessing and that you then have twenty days to make the missed payments. The pamphlet adds three warnings: no notice is needed if you default for a reason other than a missed payment or surrender the car, you may not get a second notice, and “you could be responsible for paying any amount not repaid by selling the collateral.” Our guide to what happens in a repossession covers the other states.

Licences, disclosures and the privacy notice

Foursight’s Disclosures page, last updated 22 September 2026, says its state licences can be checked on NMLS Consumer Access under “Foursight Capital LLC and d/b/a Rateworks” with NMLS ID 1458842. That database’s robots file bars automated readers from its company records, so the table shows what Foursight itself prints.

The wording varies in a way that matters: in Missouri, Montana and West Virginia Foursight says it makes or originates loans, not only buys them, and consumer-loan licences sit beside sales-finance ones. Read with the Auto-Pay terms’ mention of a “promissory note,” that leaves open that Foursight or Rateworks also lends directly; none of the pages we could read describes such a loan.

Privacy. Foursight’s privacy notice (Rev. November 2025) contradicts itself. Its table says Foursight does share “information about your transactions and experiences” for its affiliates’ everyday business purposes, and that you cannot limit it; its definitions box says “Foursight Capital LLC does not share with our affiliates.” The notice does not say which is right; ask Foursight if it matters to you. It says Foursight does not share with outside companies so they can market to you, and keeps sharing after you stop being a customer.

Calls and texts. Under the text-message policy you “agree and consent to be contacted” by Foursight, its agents, affiliates, “subsequent creditors” and “third-party collectors” at any number on the account, including by autodialer or “an artificial or prerecorded voice.” Replying STOP ends texts within 24 hours.

CFPB complaints and Foursight’s BBB profile

The CFPB complaint database files Foursight under one name: a search of its company field for “foursight” returns only Foursight Holding LLC, and “rateworks” returns nothing. Under that name it holds 181 complaints, received from 17 May 2022 to 23 July 2024: 30 in 2022, 85 in 2023 and 66 in 2024, and none since. The database does not say where later complaints about Foursight loans go; our OneMain review counted 504 vehicle-loan complaints naming OneMain Finance Corporation through 8 October 2026, with no way to pick out Foursight loans. Complaints are unverified consumer reports, the CFPB says its database “is not a statistical sample of consumers,” and counts grow with a lender’s size.

Across all products, the largest issue was “Improper use of your report” (81), and 51 of those were filed as “Credit inquiries on your report that you don’t recognize.” Foursight’s dealer business takes its applications from dealers, so its inquiry can appear on the report of someone who never contacted it; the database does not say whether that explains these complaints. Among the vehicle-loan complaints, 6 concerned billing, 3 paying off the loan, 2 getting the title after payoff and 5 repossession. Foursight closed 133 complaints with an explanation and 48 (26.5%) with monetary or non-monetary relief, and answered 179 on time. Of the 181, 28 (15.5%) carried a Servicemember tag.

The CFPB’s enforcement list returned no action naming Foursight when we searched it on 25 October 2026. The CFPB’s 2023 consent order about add-on products names five OneMain companies, not Foursight, and came before the purchase; the March 2026 suit by New York and 12 other states is also about OneMain’s add-ons, and we could not determine whether it names Foursight. Both are covered in our OneMain review.

BBB. Foursight’s BBB profile shows it accredited since 10 February 2014 with an A+ rating, Rateworks as an alternate name and OneMain Financial as a related business. Its review and complaint links lead to OneMain Financial Group’s file in Evansville, Indiana. The complaints page at Foursight’s address reads 1,228 complaints in the last 3 years and 328 in the last 12 months, yet shows only nine complaint texts, all naming Foursight and dated November 2023 to July 2024, so we cannot tell whether those totals are Foursight’s or OneMain’s.

If your dealer is sending your contract to Foursight

Our reviews of Credit Acceptance, Westlake Financial, Exeter Finance and Prestige Financial read other dealer lenders’ documents the same way.

Common questions

Is Foursight Capital a legitimate lender?

Yes. Foursight Capital LLC is a licensed Utah auto lender (NMLS ID 1458842) that files with the SEC as a securitizer, owned by OneMain Holdings since 1 April 2024. It buys contracts for credit scores from 525 to 725 and posts no rates, so check the rate and total of payments on your contract.

Who owns Foursight Capital now?

OneMain Holdings, which bought it from Jefferies Financial Group on 1 April 2024 for $125 million in cash. Foursight’s dealer page now calls the business “OneMain Auto.”

How do I log in and make a Foursight Capital payment?

Log in on foursight.com with your email or user name and password, or with your phone and a texted code; register first with your account number, date of birth and Social Security number. Auto-Pay is free; one-time online and phone payments carry “a nominal fee.”

Can I skip a payment or get an extension from Foursight?

No page we could read promises one. Foursight’s Montana schedule lists an extension fee ($25 to $50), and OneMain’s annual report says it may offer a deferment for a temporary hardship. Call before the payment is late and get any agreement in writing.

How long does Foursight take to release my title after payoff?

As little as ten business days after the final payment arrives, the FAQ says, depending on your state; the title is released only when the loan is paid in full. Stop Auto-Pay at least three business days before the next draft.

Why is Foursight Capital on my credit report if I never applied?

Foursight’s dealer business takes applications from dealers, so a dealer you visited may have sent yours on. If you never applied for a car loan, dispute the inquiry with the credit bureau. Of the 181 CFPB complaints naming Foursight Holding LLC, 51 were about “credit inquiries on your report that you don’t recognize.” Our guide to rate shopping and credit inquiries explains how multiple car-loan inquiries are scored.