Frequently Asked Questions
Top Questions
You may choose to receive your loan in one of the following ways:
- By direct deposit ‐ Get your funds deposited directly into your checking or savings account.
- In person ‐ Receive a check at the branch during the loan closing.
Start your loan application now and you could receive your funds the same day your loan is approved.
Before you close your loan, OneMain will need you to provide the following documents:
- A copy of a valid, government-issued ID (e.g. driver’s license or passport)
- Proof of residence (e.g. a driver’s license with your current address, a utility bill, or a signed lease)
- Proof of income (e.g. paystubs or tax returns)
We may ask for additional items based upon your unique situation. Ready to apply? Start your loan application now.
Each customer's loan terms are decided on an individual basis, taking into account each customer's unique situation and needs. Loan decisions are made based on a variety of factors, including credit history, income, and availability and value of collateral (if applicable).
There are several ways to make a payment.
Please choose the most convenient option for you:
Online
You have two options to pay online:
- To make a one-time payment: go to the Make a Payment page. Be sure to have your OneMain account number, Social Security Number and a blank check ready.
- To make recurring payments through Direct Pay: Log in to your OneMainFinancial.com account and complete the steps for enrolling in Direct Pay.
Forms of payment accepted online:
- ACH transfer (from your checking or savings account)
- Debit card* (please note that debit card payment is not available for Direct Pay)
In a branch
Visit any OneMain branch to make a payment.
Forms of payment accepted in a branch:
- Cash
- Debit card*
- Personal check
- Payroll check
- Government check
- Cashier check
- Traveler’s check
- Third party personal check
- Money order
- Bank draft
- Insurance draft
- ACH (Automatic Clearing House)
By Phone
You have two options to pay by phone:
- Call Customer Service at 1-800-742-5465.
- Call the OneMain branch that services your loan.
To find the number of the branch that services your loan, refer to your monthly statement. Log in to your OneMainFinancial.com account to access your monthly statement.
Forms of payment accepted by phone:
- ACH (checking or savings account)
- Debit card*
By Mail
Send a check made out to OneMain to the PO Box listed on your monthly statement. Log in to your OneMainFinancial.com account to access your monthly statement.
Preferred forms of payment by mail:
- Personal check
- Cashier check
- Money order
If you would like additional information on payments by mail, please contact your local branch.
By OneMain Mobile App
Download the OneMain Mobile app, available for iOS and Android. Once installed, click "Make a Payment" and follow the instructions provided.
At any Walmart Service Desk
Take your loan account number to a Walmart Service Desk to make a CheckFree payment.**
* Please note there is a fee of $2.95 assessed by our third party payment processor, ACI, for every debit card transaction. This fee is assessed separately from your loan payment and will be shown separately on your debit card statement as "ORCC Payment Convenience Fee."
** Walmart charges a fee of $1.00 - $1.50 for each OneMain loan payment made at a Walmart service desk.
We need to evaluate your unique situation to determine if you qualify for lower monthly payments.
Please contact your local branch for more information.
