The Servicemembers Civil Relief Act (SCRA) and OneMain

Protecting you as you protect us. Thank you for your service.

Your SCRA Benefits

Military Family PhotoThe purpose of the Servicemembers Civil Relief Act (SCRA) is to allow servicemembers to fully dedicate their time and energy to the defense of the United States of America and to protect our brave men and women, and their dependents, while on active duty.

OneMain is committed to ensure that all eligible servicemembers receive Servicemembers Civil Relief Act (SCRA) benefits. The SCRA provides protection and relief to OneMain customers, including those described below, who enter active military service.

SCRA eligibility is extended to:

  • Active duty members of the Army, Navy, Air Force, Marine Corps or Coast Guard.
  • Army, Navy, Air Force, Marine Corps or Coast Guard reservists called up for active duty.
  • Commissioned officers of the National Oceanic & Atmospheric Administration on active service.
  • Commissioned officers of the Public Health Service on active service.
  • National Guard members who are called to active service for more than 30 consecutive days when authorized by the President or the Secretary of Defense. (Some state laws provide similar benefits for National Guard members called to active duty under state-issued orders.)

Some benefits and protections may also extend to dependents of the active duty servicemember.

If you are serving on active duty, you may be eligible for SCRA benefits concerning your OneMain account.

Eligible OneMain products include, but are not limited to:

  • Personal installment loans
  • Auto loans
  • Mortgage loans
  • Home equity lines of credit

To ensure you receive the benefits to which you may be entitled, please submit your request anytime from the date you receive your order to 180 days after discharge from active duty. If you have a mortgage originated or serviced by OneMain, you may request benefits for up to one year after your discharge

Available benefits may include, but are not limited to:

  • Repossession protections
  • Foreclosure protections
  • Judgment protections
  • Eviction protections
  • Interest Rate caps

Some of the SCRA’s benefits—such as the interest rate cap and protections from non-judicial repossession and foreclosure—are available to servicemembers who entered active duty after the date the loan originated. Other benefits—such as protections against default judgment and protections against eviction—apply to all active duty servicemembers regardless of when the loan originated.

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Military Family Support Frequently Asked Questions

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The Military Way

OneMain understands that the military way of life is a challenging and unique balance of serving your country while providing for and protecting your loved ones.

Multiple resources, including information on a wide range of military life concerns and deployment, are available for you to ease your burden while serving.

Assistance from A to Z

Military One Source imageMilitary OneSource is a Department of Defense-funded program that provides you, and your family, with a wealth of information and resources.

Money management, face-to-face counseling, adoption assistance, special needs, volunteer opportunities, and parenting tips are just a few of the excellent resources available to you.

Money Matters

Save and Invest is an excellent resource specifically geared to financial education.

This resource provides you with financial basics, ways to control debt and protect your money, as well as tools for retirement preparation and savings growth.

Military Deployment Guide – Preparing You and Your Family for the Road Ahead

The Department of Defense Deployment Guide is intended to help service members and their families prepare for deployment, serve as a resource during the deployment and help navigate the challenges of a service member’s return and reintegration after deployment.

This resource provides you with financial basics, ways to control debt and protect your money, as well as tools for retirement preparation and savings growth.

Download Department of Defense Deployment Guide PDF (120k)