Frequently Asked 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).

Yes. You may be able to receive a larger loan by reapplying with a co-signer and/or with collateral of sufficient value. Call us today at 1-800-961-5577 to speak with a loan specialist and discuss your options.

If your application was turned down, you will receive a letter by email or physical mail explaining the reasons behind the decision.

Examples of accepted collateral include:

  • Automobiles
  • Trucks
  • Motorcycles
  • Boats
  • Campers
  • RV's

All collateral will undergo appraisals to determine whether it is of sufficient value.

Additionally, vehicles used as collateral must be insured against physical damage for the term of the loan.

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

Please contact your local branch for more information regarding collateral.

Because the collateral is securing your loan, the collateral must be insured in case it needs to be replaced or repaired. The full coverage ensures that the entire value of the collateral is protected.

If you have more questions about this topic, call us today at 1-800-961-5577.

Call us today at 1-800-961-5577 or visit your local OneMain branch and notify the manager of the damage. Your loan expert will explain the next steps dependent upon the type of collateral that was used to secure your loan.

The amount of time to apply for and receive a loan varies based on what time you submit your application, the number of documents required in order to approve your application, and how long it takes to receive those documents, among other factors.

Average lengths of time for the online application process (may vary depending on your circumstances):

  • Completing the application and receiving a decision: Less than 10 minutes.*
  • Signing the agreements and receiving funds by Check: If approved, as soon as the same day.
  • Signing the agreements and receiving funds by Prepaid Debit Card: As soon as the same day if approved. Prepaid card disbursements are limited to the first $10,000 of the loan amount and are available immediately upon activation of the prepaid card. Prepaid cards are not available in all locations and are not available to active duty military, their spouse or dependents covered by the Military Lending Act.
  • Signing the agreements and receiving funds by Automated Clearing House (ACH) disbursement: ACH disbursements can take approximately 1 to 2 business days depending on the time of loan closing.

* May take longer depending upon the amount of time required for the verification process.

Ready to apply? Start your loan application now.

We need to evaluate your unique situation to determine if you qualify for more money.

Call us today at 1-800-961-5577.

Have another question about the application process?

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 1-800-961-5577.
    • 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.

If you miss a payment, please call 1-800-961-5577 to discuss your options with one of our loan specialists.

Payments are due monthly, but you can make payments as often as you like.

To make payments automatically every month using Direct Pay, log in to your OneMainFinancial.com account and enroll in Direct Pay. To make a one-time payment today, please visit the Make a Payment page.

To request a change to your payment date, please mail a letter or send an email with the change request to your local branch.

To submit a request via email, please contact your local branch to obtain the appropriate email address.

Unfortunately, payment due date changes cannot currently be requested over the phone.

Please be advised due date changes cannot be made:

  • Before your first payment is due if it will result in the number to days to the first payment exceeding 45 days
  • When an account is delinquent/past due

Please note that OneMain reserves the right refuse any request to change the payment due date, which includes multiple requests and requests on certain types of accounts.

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

Please contact your local branch for more information.

There are three ways to request a payoff amount for your loan:

  1. Log in to your OneMainFinancial.com account and click "Request a Payoff." You will be asked to provide the reason for the payoff and the number at which we can contact you. Within 24 hours of your request, a loan specialist from OneMain will call you to provide you with your payoff information.
  2. Call us today at 1-800-961-5577. To pay off your loan, you can also call our Customer Service number. A OneMain loan specialist will ask you to provide the reason for the payoff and then provide you with your payoff information.
  3. Contact your local branch that services your loan. To pay off your loan, you can also call the phone number of the branch servicing your loan. To find this number, refer to your monthly statement, which you can access after you log in to your OneMainFinancial.com account. A OneMain loan specialist will ask you to provide the reason for the payoff and then provide you with your payoff information.

Generally, No. Please refer to your loan documents for more information. Generally, if you want to pay off your personal loan early, you can do so any time and OneMain will not charge you a prepayment fee.

To pay off your loan early, you can:

  • Make a one-time payment for the total outstanding balance
  • Pay an extra amount when you make your regularly scheduled monthly payment

OneMain will do its best to release its lien on a motor vehicle within 15 days of receipt of the payoff amount. Please note that the release may take longer in certain circumstances.

Direct Pay is a free service that automatically deducts your payment from your checking or savings account each month.

To enroll in Direct Pay, follow these simple steps:

  1. Log in to your OneMainFinancial.com account.
  2. Click “Enroll in Direct Pay” located on the Account Summary page under the Billing and Payment Settings section.
  3. Enter the required information in the Enroll for Direct Pay page and click “Continue.”
  4. Review your selections on the Enrollment Summary page.
  5. Read the Direct Pay terms and electronically sign the Enrollment Form for Direct Pay.

You will receive an email once your Direct Pay enrollment is complete. Please note it may take up to 24 hours for your enrollment to process in our system.

To cancel Direct Pay, please send written notification to the branch that services your loan.

To find the address for the branch that services your loan, refer to your monthly statement which you can access after you log in to your OneMainFinancial.com account.

Have another payment & fees question?

Your account number can be found in three places:

  • At the top of your loan contract
  • At the top right corner of your monthly statement
  • At the top left corner of your Account Management page after logging in

Log in to your OneMainFinancial.com account to see your account number now.

Online account management allows you to conveniently manage your loan on your computer or mobile device. You can manage your OneMain account by logging in to OneMainFinancial.com. When you log in, you can:

  • View monthly statements
  • Schedule and make payments
  • Enroll in Direct Pay
  • Update your contact information
  • Earn points for  OneMain Rewards*

For information on online account management, please log in to your OneMainFinancial.com account. Don't have a OneMainFinancial.com account yet? Create your online account today to get started.

* Not available in all states or branches or where prohibited by law. Customers must be in good standing. See OneMainFinancial.com/Rewards for eligible state and branch information. Subject to complete details in program Terms of Service.

To change your address, follow these simple steps:

  1. Log in to your OneMainFinancial.com account.
  2. Click "My Profile" located in the top right corner of the page.
  3. Click "Edit Contact Information".
  4. Update your address or other contact information on the Edit Contact Information page.
  5. Click "Update."

Please note it may take up to 24 hours for your information to update in our systems.

Don't have a OneMainFinancial.com account yet? Create your online account today to get started.

OneMain Rewards is a program that gives customers a chance to earn points for completing simple activities, such as visiting OneMain online or interacting with us on social media. The points you earn from these activities can be redeemed for free gifts, such as gift cards at certain retailers, or discounts on utilities, vacations, and everyday items.

To enroll in OneMain Rewards, please log in to your OneMainFinancial.com account.

* Not available in all states or branches or where prohibited by law. Customers must be in good standing. See OneMainFinancial.com/Rewards for eligible state and branch information. Subject to complete details in program Terms of Service.

All you need to do is log in to your OneMainFinancial.com account, then follow the link to OneMain Rewards to get started.

Don't have a OneMainFinancial.com account yet? Create your online account today to get started.

* Not available in all states or branches or where prohibited by law. Customers must be in good standing. See OneMainFinancial.com/Rewards for eligible state and branch information. Subject to complete details in program Terms of Service.

To enroll in Paperless Statements, follow these simple steps:

  1. Log in to your OneMainFinancial.com account.
  2. Click "Enroll in Paperless Statements" located on the Account Summary page under the Billing and Payment Settings section.
  3. Read and Agree to the legal terms and notices.
  4. Click "Enroll in Paperless Statements."

You will receive an email once your Paperless Statements enrollment is complete. Please note it may take up to 24 hours for your enrollment to process in our system.

With Paperless Statements, you will receive an email notification each month to your specified email address when a statement becomes available.

To obtain tax information for your loan, follow these simple steps:

  1. Log in to your OneMainFinancial.com account.
  2. Click "View All Statements" from your Account Summary page.
  3. Your tax information is located below the list of your statements.
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Equal Housing LogoOneMain Financial is an Equal Housing Lender.

†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 - 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.