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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.

Loan decisions are made based on a variety of factors including credit history, income, expenses, and availability and value of collateral (if applicable). Each customer’s loan terms are offered based on these factors and the customer’s ability to repay so that each customer can make a decision based on their unique situation and needs.

There are several ways to make a payment.

Please choose the most convenient option for you:

  • Online

    You have two options to pay online:

    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:

    • 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.

  • Participating Retailers

    You can pay in cash using the PayNearMe service – FREE of charge – at participating CVS®, 7-Eleven, Casey’s General Store® or Family Dollar locations. Ask your loan specialist for your personalized payment code today.

We need to evaluate your unique situation to determine if you qualify for lower monthly payments.

Please contact your local branch for more information.

Trying to find something else? Choose a category below.

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1 Not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than eight years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APR’s are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

†Not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than eight years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APR’s are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

For Housing Counselors in the State of Washington, please email us at the following link in regards to your customers loan modification status: REModifications@onemainfinancial.com. Please ensure your customer has provided us with authorization to work with you.

CA: OneMain Financial Group, LLC - Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. NH: OneMain Financial Group, LLC – NMLS # 1339418. PA: OneMain Financial Group, LLC – Licensed by the Pennsylvania Department of Banking and Securities.

For residents of the State of Washington only: OneMain Financial Group, LLC – Consumer Loan Company License – NMLS # 1339418. Click here for the NMLS Consumer Access Database.

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