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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:

    • 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.*

* 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.

Trying to find something else? Choose a category below.

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†Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income, expenses and debts) and the availability of collateral. Loan amounts subject to state specific minimum or maximum size restrictions. Collateral offered must meet our criteria.  Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

Residents in the following states are subject to the following loan size restrictions: California residents: $3,000 minimum loan amount. Florida and Texas residents: Unless you are a present customer, $8,000 maximum loan amount for unsecured loans. Georgia residents: Unless you are a present customer, $3,100 minimum loan amount. Maine residents: $7,000 maximum loan amount for unsecured loans. Ohio residents: $2,000 minimum loan amount. North Carolina and West Virginia residents: Unless you are a present customer, $7,500 maximum loan amount for unsecured loans. 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 and OneMain Consumer Loan, Inc. – Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. NH: OneMain Financial Group, LLC - NMLS # 1339418 and OneMain Consumer Loan, Inc. - NMLS # 937358. PA: OneMain Financial Group, LLC and OneMain Consumer Loan, Inc. – 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, and OneMain Consumer Loan, Inc. - Consumer Loan Company License - NMLS # 937358. Click here for the NMLS Consumer Access Database.

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