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:

    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.

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†Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) and the availability of collateral. Loan amount is also subject to state specific maximum or minimum size restrictions. APR’s are generally higher for loans not secured by a vehicle.

Some vehicles may not be used as collateral, including those used commercially or with branded titles (such as salvage). Additional loan size limits may apply to loans secured by discontinued vehicle models. We may refuse your collateral if it does not meet our criteria.

Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

CA: OneMain Financial Group, LLC and OneMain Financial Services, Inc. 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 Financial of Pennsylvania, Inc. and OneMain Consumer Loan, Inc. – Licensed by the Pennsylvania Department of Banking and Securities. RI: OneMain Consumer Loan, Inc., Rhode Island Licensed Lender and Licensed Small Loan Lender.

For residents of the State of Washington only: OneMain Financial Group, LLC - Consumer Loan Company License - NMLS # 1339418, OneMain Financial of Washington, Inc. - Consumer Loan Company License - NMLS # 36167, OneMain Consumer Loan, Inc. - Consumer Loan Company License - NMLS # 937358 and OneMain Financial Services, Inc. - Consumer Loan Company License - NMLS # 1056. Click here for the NMLS Consumer Access Database.