OneMain : Receivables Trust ODART 2021-1 PPM

OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

ORIGINAL DEAL PARAMETERS

	Note Balance	% of Note Prin Bal	Interest Rate	Stated Maturity Date
Class A Notes	773,685,000.00	77.37%	0.87%	July 14, 2028
Class B Notes	128,947,000.00	12.89%	1.26%	July 14, 2028
Class C Notes	68,421,000.00	6.84%	1.42%	July 14, 2028
Class D Notes	28,947,000.00	2.89%	1.62%	November 14, 2030
Aggregate Note Principal Balance
1,000,000,000.00	100.00%
Overcollateralization Amount	52,633,704.99
Initial Loan Principal Balance:
1,052,633,704.99

NOTE BALANCE

	Beginning of Period	End of Period
	Note Balance	Note Factor	Note Balance	Note Factor	Change
Class A Notes	590,022,970.10	0.76261	549,025,586.09	0.70962	40,997,384.01
Class B Notes	128,947,000.00	1.00000	128,947,000.00	1.00000	0.00
Class C Notes	68,421,000.00	1.00000	68,421,000.00	1.00000	0.00
Class D Notes	28,947,000.00	1.00000	28,947,000.00	1.00000	0.00
Aggregate Note Principal Balance	816,337,970.10	0.81634	775,340,586.09	0.77534	40,997,384.01

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OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

LOAN PRINCIPAL BALANCE

Beginning Adjusted Loan Principal Balance

Principal Collections (Scheduled Principal and Prepayments)

Charged-Off Loans

Other Customer Charges Net Increase / (Decrease)

Terminated Loans

Renewal Loan Replacements

Additional Loans (other than Renewal Loans)

Exchanged Loans

Replacement Loans

Excluded Loans

Optional Reassignment Loans

Repurchased Loans

Ending Adjusted Loan Principal Balance/Loan Action Date Loan Principal Balance

POOL INFORMATION	Beginning of Period	End of Period
Weighted Avg. Coupon (WAC)	20.15%	20.11%
Weighted Avg. FICO*	621	621
Weighted Avg. Loan Remaining Term (WALRT)	41	40
Weighted Avg. Loan to Value	139.61%	139.69%
Adjusted Loan Principal Balance	874,988,684.81	831,605,209.67
Number of Loans	68,047	65,483
Additional Loan** Information for the Payment Date on 3/14/2024:
Weighted Avg. Coupon (WAC)		N/A
Weighted Avg. FICO*		N/A
Weighted Avg. Loan to Value		N/A
Loan Principal Balance		N/A
Number of Loans		N/A

*FICO scores determined at time of origination

**Contains Additional Loans including Renewal Loans and Replacement Loans

874,988,684.81

(28,381,768.15)

(3,137,338.17)

151,916.80

(11,665,967.06)

0.00

0.00

0.00

0.00

0.00

0.00

(350,318.56)

831,605,209.67

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OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

AVAILABLE FUNDS

Principal:
Principal Collections	28,381,768.15
Other Customer Charges Net Increase / (Decrease)	(151,916.80)
Repurchased Contract Proceeds Related to Principal	350,318.56
Recoveries/Liquidation Proceeds	369,252.05
Total Principal Collections	28,949,421.96
Interest:
Interest Collections	14,189,839.86
Interest on Repurchase Principal	-
Total Interest Collections
14,189,839.86
Collections Used/Sent for Renewals	-
Collections Used for Proposed Loans	-
Collections Used for Servicing Fee	(1,458,314.47)
Total Collections Used	(1,458,314.47)
Collection Account Interest	137,843.88
Principal Distribution Account Interest	39,553.36
Reserve Account Interest	20,265.00
Reserve Draw Account	5,263,168.52
Principal Distribution Account Draw Amount	-
Total Collections	47,141,778.11

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OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

DISTRIBUTIONS

		Calculated Amount	Amount Paid	Shortfall	Carryover Shortfal	Remaining Available Funds
Indenture Trustee/ Owner Trustee/ Depositor Loan Trustee/ Issuer Loan Trustee	416.67	416.67	-	-	47,141,361.44
Servicing Fee	2.00%	-	-	-	-	47,141,361.44
Class A Monthly Interest Amount		427,766.65	427,766.65	-	-	46,713,594.79
First Priority Principal Payment		-	-	-	-	46,713,594.79
Class B Montly Interest Amount		135,394.35	135,394.35	-	-	46,578,200.44
Second Priority Principal Payment		-	-	-	-	46,578,200.44
Class C Monthly Interest Amount		80,964.85	80,964.85	-	-	46,497,235.59
Third Priority Principal Payment		-	-	-	-	46,497,235.59
Class D Monthly Interest Amount		39,078.45	39,078.45	-	-	46,458,157.14
Fourth Priority Principal Payment		-	-	-	-	46,458,157.14
Required Reserve Account Amount		5,263,168.52	5,263,168.52	-	-	41,194,988.62
Advances made by the Servicer (aggregate unpaid balance)		-	-	-	-	41,194,988.62
Regular Principal Payment Amount		29,331,416.95	29,331,416.95	-	-	11,863,571.67
Additional Transaction Participant Fees		-	-	-	-	11,863,571.67
Additional Indeminified Amounts		-	-	-	-	11,863,571.67
Advances that remain unpaid after giving effect to distributions above		-	-	-	-	11,863,571.67
Residual Released to the Depositor		11,863,571.67	11,863,571.67	-	-	-
Reserve Account Deposit to increase Reserve Account Required Amount	-	-	-	-	-
Purchase of Additional Loans to increase Required Overcollateralization Amount	-	-	-	-	-
Total			47,141,778.11

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OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

RESERVE ACCOUNT

Beginning Period Reserve Account Amount	5,263,168.52
Reserve Draw Amount	(5,263,168.52)
Reserve Deposit Amount	5,263,168.52
Ending Period Reserve Account Amount	5,263,168.52
Change in Reserve Account Balance	-
Required Reserve Account Amount	5,263,168.52

PRINCIPAL DISTRIBUTION ACCOUNT

Beginning Period Distribution Account Amount	-
Principal Distribution Draw Amount	11,665,967.06
Ending Principal Distribution Amount Prior to Payment Waterfall	11,665,967.06
Principal Distribution Deposit Amount	29,331,416.95
Distribution to Noteholders (except during Revolving Period)
Class A Noteholders	(40,997,384.01)
Class B Noteholders	-
Class C Noteholders	-
Class D Noteholders	-
Purchase of Loans on Payment Date	-
Ending Period Principal Distribution Account Amount	-
Change in Principal Distribution Account Amount	-

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OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

OVERCOLLATERALIZATION

Beginning of Period Overcollateralization	58,650,714.71
Adjusted Loan Principal Balance	831,605,209.67
Minimum Overcollateralization Amount	10,526,337.05
Target Overcollateralization Amount	56,264,623.58
Target Note Balance needed for Target Overcollateralization	775,340,586.09
Amortization Period:
Target Principal Payment to Notes for Target Overcollateralization	40,997,384.01
Regular Principal Payment Amount Due	(40,997,384.01)
Regular Principal Payment Amount Paid	(40,997,384.01)
Shortfall | Overcollateralization Deficiency Amount	-
End of Period Overcollateralization	56,264,623.58
Overcollateralization Event	NO

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OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

DELINQUENCY AND NET LOSS ACTIVITY

	Number of Loans	Number of Loans %	Loan Prin Balance	Loan Prin Balance %
Current (0 Days)	57,908	88.43%	731,111,223.40	87.92%
One Payment Past Due (1-29 Days)	5,282	8.07%	71,022,676.11	8.54%
Two Payments Past Due (30-59 Days)	913	1.39%	11,497,462.77	1.38%
Three Payments Past Due (60-89 Days)	444	0.68%	5,812,650.07	0.70%
Four thru Six Payments Past Due (90-179 Days)	927	1.42%	12,057,449.83	1.45%
Seven or More Payments Past Due (180+)	9	0.01%	103,747.49	0.01%
	65,483	100.00%	831,605,209.67	100.00%
Charged-Offs Loans
Current Period NET Charged-Off Loans				2,768,086.12
Beginning Adjusted Loan Principal Balance				874,988,684.81
Monthly Net Loss Percentage				3.80%
Monthly Net Loss Percentage for 1st Preceding Collection Period				3.61%
Monthly Net Loss Percentage for 2nd Preceding Collection Period				3.86%
Three-month average Monthly Net Loss Percentage for Current Period				3.75%
Three-month average Monthly Net Loss Percentage for 1st Preceding Collection Period				3.30%
Three-month average Monthly Net Loss Percentage for 2nd Preceding Collection Period				3.15%

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OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

REINVESTMENT CRITERIA EVENTS

	Initial Pool	Current Pool	Limit	In Compliance
Top 3 Customer State	25.90%	28.00%	40.00%	N/A
Any Customer State (except for the top 3)	6.97%	7.59%	15.00%	N/A
Weighed Avg. Coupon (WAC)	19.64%	20.11%	17.00%	N/A
Weighed Average Loan Remaining Term	47	40	60	N/A
Risk Level:	0.15%	0.21%	2.00%	N/A
Risk Level D
Risk Level D to (and including) C	8.85%	6.68%	15.00%	N/A
Risk Level D to (and including) B	24.55%	20.37%	35.00%	N/A
Risk Level D to (and including) A	44.68%	42.55%	55.00%	N/A
Risk Level D to (and including) P	73.17%	74.42%	85.00%	N/A
Risk Level D to (and including) S	100.00%	100.00%	100.00%	N/A
Overcollateralization Event		NO
Reinvestment Criteria Event		NO
Reinvestment Criteria Event for first Preceding Collection Period		NO
Reinvestment Criteria Event for second Preceding Collection Period		NO
12-Month Exchanged/Reserved Loans	-	-	210,526,741.00	N/A
UPB of Replacement loans >= UPB of Exchanged loans		N/A	95.00%	N/A

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OneMain Direct Auto Receivables Trust 2021-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	29
30/360 Days	30

EARLY AMORTIZATION EVENTS

	Amount	Trigger Level	Amortization Event
3-Month Monthly Net Loss Trigger	3.75%	6.50%	N/A
3-Month Reinvestment Criteria Event			N/A
Servicer Default			N/A

OMFC or one of its affiliates has retained as of the Closing Date a material net economic interest in the transaction in the form of the Class A Trust Certificates in an amount not less than 5% of the aggregate Loan Principal Balance of the Loans in accordance with paragraph (d) of Article 6(3) of each Securitization Regulation (collectively, the "Retention Requirements") and has not sold, hedged or otherwise mitigated its credit risk under or associated with the material net economic interest retained by it, except to the extent permitted in accordance with the Retention Requirements.

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