Building financial well-being through fair, transparent, and affordable lending practices
For over 110 years, OneMain Financial has been committed to responsible lending practices that put our customers first. We understand that when people need to borrow money, they're often facing challenging circumstances. Our responsibility is to provide access to credit in a way that helps them succeed, not creates additional hardship.
These principles guide every lending decision we make
A loan you can actually afford
Before approving any loan, we work with you to understand your complete financial picture. We analyze your income, existing obligations, and monthly expenses to ensure your loan payment fits comfortably within your budget.
No hidden fees, no surprises
We believe you deserve to understand every aspect of your loan before you sign. All terms, rates, and fees are disclosed upfront in clear, plain language. We take the time to explain everything until you're completely comfortable.
Respectful, pressure-free service
Every customer deserves to be treated with dignity and respect. We never use high-pressure sales tactics, and we never penalize you for taking time to make an informed decision.
We're here to help you succeed
Your satisfaction and financial success are our top priorities. We're committed to addressing any concerns quickly and fairly, and we provide ongoing support throughout your loan term.
You have the right to receive clear, accurate information about your loan before signing, including:
You have the right to:
You have the right to:
You are protected by federal and state laws, including:
We adhere to all federal lending regulations designed to protect consumers:
We are licensed and regulated in 47 states, ensuring compliance with state-specific consumer protection laws:
As a publicly traded company (NYSE: OMF), we maintain the highest standards of corporate governance:
We protect your personal and financial information with industry-leading security measures:
We believe in empowering our customers and communities with financial knowledge. An informed borrower is a successful borrower.
Our flagship financial education program provides free, comprehensive financial literacy curriculum to high schools across America. The program teaches students essential money management skills before they enter adulthood.
We provide free educational resources to help our customers make informed financial decisions:
Our loan specialists don't just process applications - they serve as financial guides who help customers:
We partner with organizations that share our commitment to financial empowerment:
Responsible lending also means helping you recognize when borrowing may not be in your best interest. Watch for these warning signs:
If the monthly payment would strain your budget or require you to skip other essential expenses like rent, utilities, or food, the loan amount or term needs adjustment - or borrowing may not be right at this time.
If you're already struggling to meet current debt obligations, adding another loan may worsen your situation. Consider debt counseling or consolidation alternatives instead.
Borrowing for non-essential purchases or lifestyle expenses you can't otherwise afford creates debt without solving financial problems. Save for wants; borrow only for needs.
If your income is uncertain or you expect significant changes to your financial situation, wait until you have more stability before taking on new debt obligations.
Sometimes there are better solutions than borrowing - negotiating with creditors, selling unused items, or seeking assistance from family or community programs.
Never sign a loan agreement you don't fully understand. If anything is unclear, ask questions, seek advice, or walk away. Your confusion today could mean financial problems tomorrow.
Maintain the highest standards of responsible lending and customer service, continuously improving our practices to better serve our customers and communities.
We're here to help. If you have questions about our lending practices, want to file a complaint, or need assistance with your loan, please reach out to us.
Speak with a customer service representative
1-800-961-5577Mon-Fri: 8am-11pm ET
Sat-Sun: 8am-11pm ET
We take all concerns seriously
Submit ComplaintYou may also contact your state's financial regulatory agency
See how we can help you achieve your financial goals with a loan designed for your success