OneMain : Receivables Trust ODART 2022-1 PPM

OneMain Direct Auto Receivables Trust 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

ORIGINAL DEAL PARAMETERS

	Note Balance	% of Note Prin Bal	Interest Rate	Stated Maturity Date
Class A-1 Notes	370,520,000.00	61.75%	4.65%	March 14, 2029
Class A-2 Notes	70,000,000.00	11.67%		March 14, 2029
Class B Notes	74,840,000.00	12.47%	5.07%	June 14, 2029
Class C Notes	50,520,000.00	8.42%	5.31%	June 14, 2029
Class D Notes	34,120,000.00	5.69%	5.90%	December 16, 2030
Aggregate Note Principal Balance
600,000,000.00	100.00%
Overcollateralization Amount	31,582,355.42
Initial Loan Principal Balance:	631,582,355.42

NOTE BALANCE

	Beginning of Period	End of Period
	Note Balance	Note Factor	Note Balance	Note Factor	Change
Class A-1 Notes	370,520,000.00	1.00000	370,520,000.00	1.00000	0.00
Class A-2 Notes	70,000,000.00	1.00000	70,000,000.00	1.00000	0.00
Class B Notes	74,840,000.00	1.00000	74,840,000.00	1.00000	0.00
Class C Notes	50,520,000.00	1.00000	50,520,000.00	1.00000	0.00
Class D Notes	34,120,000.00	1.00000	34,120,000.00	1.00000	0.00
Aggregate Note Principal Balance
600,000,000.00	1.00000	600,000,000.00	1.00000	0.00

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OneMain Direct Auto Receivables Trust 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

LOAN PRINCIPAL BALANCE

Beginning Adjusted Loan Principal Balance		631,645,939.26
Principal Collections (Scheduled Principal and Prepayments)		(18,200,067.13)
Charged-Off Loans		(2,024,772.57)
Other Customer Charges Net Increase / (Decrease)		128,669.57
Terminated Loans		(7,209,918.53)
Renewal Loan Replacements		4,319,321.09
Additional Loans (other than Renewal Loans)		23,300,651.39
Exchanged Loans		0.00
Replacement Loans		0.00
Excluded Loans		0.00
Optional Reassignment Loans		0.00
Repurchased Loans			(321,342.68)
Ending Adjusted Loan Principal Balance/Loan Action Date Loan Principal Balance	631,638,480.40
POOL INFORMATION	Beginning of Period	End of Period
Weighted Avg. Coupon (WAC)	20.54%	20.55%
Weighted Avg. FICO*	623	623
Weighted Avg. Loan Remaining Term (WALRT)	44	43
Weighted Avg. Loan to Value	137.12%	137.18%
Adjusted Loan Principal Balance	631,645,939.26	631,638,480.40
Number of Loans	45,304	45,611
Additional Loan** Information for the Payment Date on 3/14/2024:
Weighted Avg. Coupon (WAC)		21.80%
Weighted Avg. FICO*		628
Weighted Avg. Loan to Value		137.05%
Loan Principal Balance		27,612,450.03
Number of Loans		1,811

*FICO scores determined at time of origination

**Contains Additional Loans including Renewal Loans and Replacement Loans

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OneMain Direct Auto Receivables Trust 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

AVAILABLE FUNDS

Principal:
Principal Collections	18,200,067.13
Other Customer Charges Net Increase / (Decrease)	(128,669.57)
Repurchased Contract Proceeds Related to Principal	321,342.68
Recoveries/Liquidation Proceeds	245,764.91
Total Principal Collections	18,638,505.15
Interest:
Interest Collections	10,435,377.37
Interest on Repurchase Principal	-
Total Interest Collections
10,435,377.37
Collections Used/Sent for Renewals	2,890,597.44
Collections Used for Proposed Loans	(23,300,651.39)
Collections Used for Servicing Fee	(1,052,743.23)
Total Collections Used	(21,462,797.18)
Collection Account Interest	100,171.87
Principal Distribution Account Interest	-
Reserve Account Interest	13,052.61
Reserve Draw Account	3,157,911.78
Principal Distribution Account Draw Amount	-
Total Collections	10,882,221.60

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OneMain Direct Auto Receivables Trust 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

DISTRIBUTIONS

		Calculated Amount	Amount Paid	Shortfall	Carryover Shortfal	Remaining Available Funds
Indenture/Owner Trustee/Depositor Loan/Issuer Loan Trustee		416.67	416.67	-	-	10,881,804.93
Indemnified Amounts Due/Servicing Transfer Costs
Servicing Fee	2.00%	-	-	-	-	10,881,804.93
Class A-1 Monthly Interest Amount (pari passu with Class A-2)		1,435,765.00	1,435,765.00	-	-	9,446,039.93
Class A-2 Monthly Interest Amount (pari passu with Class A-1)		390,473.88	390,473.88	-	-	9,055,566.05
First Priority Principal Payment		-	-	-	-	9,055,566.05
Class B Monthly Interest Amount		316,199.00	316,199.00	-	-	8,739,367.05
Second Priority Principal Payment		-	-	-	-	8,739,367.05
Class C Monthly Interest Amount		223,551.00	223,551.00	-	-	8,515,816.05
Third Priority Principal Payment		-	-	-	-	8,515,816.05
Class D Monthly Interest Amount		167,756.67	167,756.67	-	-	8,348,059.38
Fourth Priority Principal Payment		-	-	-	-	8,348,059.38
Required Reserve Account Amount		3,157,911.78	3,157,911.78	-	-	5,190,147.60
Advances made by the Servicer (aggregate unpaid balance)		-	-	-	-	5,190,147.60
Regular Principal Payment Amount		-	-	-	-	5,190,147.60
Additional Transaction Participant Fees		-	-	-	-	5,190,147.60
Additional Indeminified Amounts		-	-	-	-	5,190,147.60
Advances that remain unpaid after giving effect to distributions above		-	-	-	-	5,190,147.60
Residual released to the Depositor		5,190,147.60	5,190,147.60	-	-	-
Deposited into the Principal Distribution Account		-	-	-	-	-
Reserve Account Deposit to increase Reserve Account Required Amount	-	-	-	-	-
Purchase of Additional Loans to increase Required Overcollateralization Amount	-	-	-	-	-
Total
		10,882,221.60

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OneMain Direct Auto Receivables Trust 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

RESERVE ACCOUNT

Beginning Period Reserve Account Amount	3,157,911.78
Reserve Draw Amount	(3,157,911.78)
Reserve Deposit Amount	3,157,911.78
Ending Period Reserve Account Amount	3,157,911.78
Change in Reserve Account Balance	-
Required Reserve Account Amount	3,157,911.78

PRINCIPAL DISTRIBUTION ACCOUNT

Beginning of Period Principal Distribution Account Amount	-
Principal Distribution Draw Amount	-
Principal Distribution Amount Prior to Payment Waterfall	-
Principal Distribution Deposit Amount	-
Distribution to Noteholders (except during Revolving Period)
Class A-1 Noteholders (pari passu with Class A-2)
Class A-2 Noteholders (pari passu with Class A-1)	-
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 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

OVERCOLLATERALIZATION

Beginning of Period Overcollateralization	31,645,939.26
Adjusted Loan Principal Balance	631,638,480.40
Minimum Overcollateralization Amount	31,579,117.77
Revolving Period: 5.00% of Initial Loan Balance / Amortization Period: 5.50% of Loan Principal Balance + 1.00% of the Loan Principal Balance as of the Initial Cut- Off Date
Target Overcollateralization Amount	31,579,117.77
Target Note Balance needed for Target Overcollateralization	N/A
Amortization Period:
Target Principal Payment to Notes for Target Overcollateralization	-
Regular Principal Payment Amount Due	-
Regular Principal Payment Amount Paid	-
Shortfall | Overcollateralization Deficiency Amount	-
End of Period Overcollateralization	31,638,480.40
Overcollateralization Event	NO

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OneMain Direct Auto Receivables Trust 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

DELINQUENCY AND NET LOSS ACTIVITY

	Number of Loans	Number of Loans %	Loan Prin Balance	Loan Prin Balance %
Current (0 Days)	41,402	90.77%	571,370,314.86	90.46%
One Payment Past Due (1-29 Days)	2,996	6.57%	43,464,730.66	6.88%
Two Payments Past Due (30-59 Days)	488	1.07%	6,673,674.18	1.06%
Three Payments Past Due (60-89 Days)	235	0.52%	3,287,120.75	0.52%
Four thru Six Payments Past Due (90-179 Days)	485	1.06%	6,779,420.78	1.07%
Seven or More Payments Past Due (180+)	5	0.01%	63,219.17	0.01%
	45,611	100.00%	631,638,480.40	100.00%
Charged-Off Loans
Current Period NET Charged-Off Loans				1,779,007.66
Beginning Adjusted Loan Principal Balance				631,645,939.26
Monthly Net Loss Percentage				3.38%
Monthly Net Loss Percentage for 1st Preceding Collection Period				4.18%
Monthly Net Loss Percentage for 2nd Preceding Collection Period				3.08%
Three-month average Monthly Net Loss Percentage for Current Period				3.55%
Three-month average Monthly Net Loss Percentage for 1st Preceding Collection Period				3.36%
Three-month average Monthly Net Loss Percentage for 2nd Preceding Collection Period				2.89%

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OneMain Direct Auto Receivables Trust 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

REINVESTMENT CRITERIA EVENTS

	Initial Pool	Current Pool	Limit	In Compliance
Top 3 Customer State	30.43%	31.15%	40.00%	YES
Any Customer State (except for the top 3)	7.38%	6.90%	15.00%	YES
Weighed Avg. Coupon (WAC)	19.87%	20.55%	17.00%	YES
Weighed Average Loan Remaining Term	47	43	60	YES
Risk Level:	0.13%	0.14%	2.00%	YES
Risk Level D
Risk Level D to (and including) C	9.21%	5.96%	15.00%	YES
Risk Level D to (and including) B	25.51%	19.35%	35.00%	YES
Risk Level D to (and including) A	46.12%	43.13%	55.00%	YES
Risk Level D to (and including) P	73.47%	73.88%	85.00%	YES
Risk Level D to (and including) S	100.00%	100.00%	100.00%	YES
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	-	-	126,316,471.08	YES
UPB of Replacement loans >= UPB of Exchanged loans		N/A	95.00%	YES

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OneMain Direct Auto Receivables Trust 2022-1

Monthly Servicer Report

Collection Period
Beginning Date	02/01/2024
End Date	02/29/2024
Payment Date	03/14/2024
Transaction Month	21
Class A-1, B, C, D Interest Period (Days)	30
Class A-2	Interest Period (Days)	29
Class A-2	Interest Rate: Compounded SOFR ( 5.32466%) + (1.60%)	6.92466%

EARLY AMORTIZATION EVENTS

	Amount	Trigger Level	Amortization Event
3-Month Monthly Net Loss Trigger	3.55%	6.50%	NO
3-Month Reinvestment Criteria Event			NO
Servicer Default			NO

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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