UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

FORM 10-K/A

Commission file number 001-36129

SPRINGLEAF FINANCE CORPORATION

(Exact name of registrant as specified in its charter)

Registrant’s telephone number, including area code:  (812) 424-8031

Securities registered pursuant to Section 12(b) of the Act:

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

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Yes o      No þ

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Act.

Yes o      No þ

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes þ      No o

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes þ      No o

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K þ.

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes o      No þ

All of the registrant’s common stock is held by Springleaf Finance, Inc. The registrant is indirectly owned by Springleaf Holdings, Inc.

At April 15, 2014, there were 10,160,019 shares of the registrant’s common stock, $.50 par value, outstanding.

The registrant meets the conditions set forth in General Instructions I(1)(a) and (b) of Form 10-K as, among other things, all of the registrant’s equity securities are owned indirectly by Springleaf Holdings, Inc., which is a reporting company under the Securities Exchange Act of 1934 and which has filed with the SEC on April 15, 2014 all of the material required to be filed pursuant to Section 13, 14 or 15(d) thereof and the registrant is therefore filing this Form 10-K with a reduced disclosure format, which omits the information otherwise required by Items 10, 11, 12 and 13 as permitted under General Instruction I(2)(c) on Form 10-K.

Explanatory Note

The purpose of this Amendment No. 1 to Springleaf Finance Corporation’s (the “Company”) Annual Report on Form 10-K for the fiscal year ended December 31, 2013 (“Amendment No. 1”), filed with the Securities and Exchange Commission on April 15, 2014 (the “Form 10-K”), is to furnish Schedule I in Item 15 of Part IV of the Form 10-K in accordance with Rule 12-04 of Regulation S-X.  In addition, the Company is filing this Amendment No. 1 because it inadvertently omitted, from the certifications of its Chief Executive Officer and Chief Financial Officer, which were filed as Exhibits 31.1 and 31.2, respectively, to the Form 10-K, certain required language with respect to internal control over financial reporting. This amendment contains, as Exhibits 31.1 and 31.2, certifications that contain the previously omitted language.

No other changes have been made to the Form 10-K. This Amendment No. 1 to the Form 10-K speaks as of the original filing date of the Form 10-K, does not reflect events that may have occurred subsequent to the original filing date, and does not modify or update in any way disclosures made in the original Form 10-K.

2

Report of Independent Registered Public Accounting Firm

on

Financial Statement Schedules

To the Board of Directors

and Shareholder of Springleaf Finance Corporation:

Our audits of the consolidated financial statements of Springleaf Finance Corporation referred to in our report dated April 15, 2014 appearing in the 2013 Annual Report on Form 10-K also included an audit of the financial statement schedule listed in Item 15(a)(2) of this Form 10-K/A.  In our opinion, this financial statement schedule presents fairly, in all material respects, the information set forth therein when read in conjunction with the related consolidated financial statements.

/s/ PricewaterhouseCoopers LLP

Chicago, Illinois

November 17, 2014

3

Schedule I – Condensed Financial Information of Registrant

SPRINGLEAF FINANCE CORPORATION

Condensed Balance Sheets

See Notes to Condensed Financial Statements.

4

Schedule I, Continued

SPRINGLEAF FINANCE CORPORATION

Condensed Statements of Operations and Comprehensive Loss

See Notes to Condensed Financial Statements.

5

Schedule I, Continued

SPRINGLEAF FINANCE CORPORATION

Condensed Statements of Cash Flows

See Notes to Condensed Financial Statements.

6

Schedule I, Continued

SPRINGLEAF FINANCE CORPORATION

Notes to Condensed Financial Statements

Springleaf Finance Corporation (“SFC”) records its investments in subsidiaries at cost plus the equity in undistributed (overdistributed) comprehensive income from subsidiaries since the date of incorporation or, if purchased, the date of the acquisition. The condensed financial statements of the registrant should be read in conjunction with SFC’s consolidated financial statements.

Notes Receivable from Parent and Affiliates

Notes receivable from parent and affiliates consisted of the following:

SFC provides funding to its parent, Springleaf Finance, Inc. (“SFI”) and to most of its finance subsidiaries for lending activities. SFC charges SFI and these subsidiaries for this funding based on SFC’s weighted average interest rate on its long-term debt plus a spread, as specified in the note agreements.

Payable to Affiliate

Payable to affiliate reflects cash transactions that were paid by an affiliate on behalf of SFC. No interest was charged for these transactions.

Dividends from Subsidiaries

SFC received cash dividends from subsidiaries of $172.0 million in 2013, $238.8 million in 2012, and $45.0 million in 2011.

7

Schedule I, Continued

SPRINGLEAF FINANCE CORPORATION

Notes to Condensed Financial Statements, Continued

Principal maturities of long-term debt at December 31, 2013 were as follows:

Guarantee Agreements

On December 30, 2013, Springleaf Holdings, Inc (“SHI”), the indirect parent of SFC, entered into Guaranty Agreements whereby it agreed to fully and unconditionally guarantee the payment of principal of, premium (if any), and interest on approximately $5.2 billion aggregate principal amount of senior notes on a senior basis and $350.0 million aggregate principal amount of a junior subordinated debenture (collectively, the “notes”) on a junior subordinated basis issued by SFC. The notes consist of the following: 8.250% Senior Notes due 2023; 7.750% Senior Notes due 2021; 6.00% Senior Notes due 2020; a 60-year junior subordinated debenture; and all senior notes outstanding on December 30, 2013, issued pursuant to the Indenture dated as of May 1, 1999 (the “1999 Indenture”), between SFC and Wilmington Trust, National Association (the successor trustee to Citibank N.A.). As of December 30, 2013, approximately $3.9 billion aggregate principal amount of senior notes were outstanding under the 1999 Indenture. The 60-year junior subordinated debenture underlies the trust preferred securities sold by a trust sponsored by SFC. On December 30, 2013, SHI entered into a Trust Guaranty Agreement whereby it agreed to fully and unconditionally guarantee the related payment obligations under the trust preferred securities.

One SFC subsidiary is required to maintain a $1.0 million direct committed line of credit to comply with state regulations. SFC guarantees any borrowings under this line of credit. The subsidiary has not borrowed under this line of credit.

One SFC subsidiary is required to maintain a $100,000 direct committed line of credit to comply with state regulations. The subsidiary has not borrowed under this line of credit.

SFC guarantees the bank borrowings of CommoLoCo, Inc., SFC’s consumer financial services subsidiary that conducts business in Puerto Rico and the U.S. Virgin Islands. SFC would be required to repay this debt if CommoLoCo, Inc.’s cash flows from operations and new debt issuances become inadequate. At December 31, 2013 and 2012, CommoLoCo, Inc. had no bank borrowings outstanding.

8

Schedule I, Continued

SPRINGLEAF FINANCE CORPORATION

Notes to Condensed Financial Statements, Continued

In preparing the annual consolidated financial statements of SFC and its subsidiaries for the year ended December 31, 2013, we identified certain out-of-period errors. In addition to these errors, we previously recorded and disclosed out-of-period adjustments in prior reporting periods when the errors were discovered. As a result, we revised all previously reported periods included in the consolidated financial statements of SFC and its subsidiaries. The effect of these revisions decreased net loss by $1.6 million in 2012 and increased net loss by $19.9 million in 2011. At September 30, 2013, the cumulative effect of these revisions decreased shareholder’s equity by $20.7 million, decreased total consolidated assets by $17.6 million, and increased total consolidated liabilities by $3.1 million. For further information on these revisions, please refer to Note 25 of the Notes to Consolidated Financial Statements in SFC’s Annual Report on Form 10-K for the year ended December 31, 2013.

The errors noted above also had an impact on SFC’s condensed financial statements which were issued for the years ended December 31, 2012 and 2011. In addition to the errors noted above, additional errors specific to the parent only condensed financial statements were also identified. These errors related to the failure to appropriately account for purchase accounting adjustments, classification errors and treatment of intercompany transactions between the parent and subsidiaries.

As a result, we have revised all previously reported periods included in this report. We have corrected the errors identified in the fourth quarter of 2013 and have included these corrections in the appropriate prior periods. Similarly, we have reversed all out-of period adjustments previously recorded and disclosed, and have included the adjustments in the appropriate periods. After evaluating the quantitative and qualitative aspects of these corrections, we have determined that our previous annual condensed financial statements were not materially misstated.

9

Schedule I, Continued

SPRINGLEAF FINANCE CORPORATION

Notes to Condensed Financial Statements, Continued

Revised Condensed Balance Sheet

The following table presents the amounts previously reported in our condensed balance sheet and the corresponding revised amounts.

10

Schedule I, Continued

SPRINGLEAF FINANCE CORPORATION

Notes to Condensed Financial Statements, Continued

Revised Condensed Statements of Operations and Comprehensive Loss

The following table presents the amounts previously reported in our condensed statements of operations and comprehensive loss and the corresponding revised amounts.

*                 Other comprehensive income (loss), net of tax and comprehensive loss were incorrectly excluded from the condensed statements of operations and comprehensive loss for the years ended December 31, 2012 and 2011.

11

Schedule I, Continued

SPRINGLEAF FINANCE CORPORATION

Notes to Condensed Financial Statements, Continued

Revised Condensed Statements of Cash Flows

The following table presents the amounts previously reported in our condensed statements of cash flows and the corresponding revised amounts.

12

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on November 17, 2014.

13

Exhibit

Number

*                 As provided in Rule 406T of Regulation S-T, this information is furnished and not filed for purposes of Section 11 and 12 of the Securities and Exchange Act of 1933 and Section 18 of the Securities and Exchange Act of 1934.

14