Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.0
(55 Ratings)

OneMain Financial PayOff

Advertiser Disclosure

You can pay in different ways. Here’s a simple breakdown:

  • Online. You can pay using your bank account, debit card, Google Pay, or Apple Pay.
  • OneMain Mobile App. Use your phone or tablet to pay anytime. Download app from your app store.
  • AutoPay. Set up automatic payments with your bank account. Phone: Call 833-390-2034 and follow the prompts to pay with your bank account or debit card.
  • In-Branch: Go to any OneMain branch to pay.
  • Cash. You can pay with cash at certain stores like CVS®, 7-Eleven, Casey's General Store®, or Family Dollar. Log into your online account to choose cash, then follow the steps to get a code.
  • Mail. Send a personal check, cashier's check, or money order to the address on your billing statement. You can find your billing statement in your online account or the OneMain app.

Make payments online through the bank account

Make a one-time payment

  1. Go to the OneMain Financial website and find the "Make a Payment" page.
  2. Make sure you have your OneMain account number, Social Security Number, and a blank check ready.
  3. Fill in the required information, including how much you want to pay.
  4. Pick your payment method. ACH transfer from your checking or savings account or debit card.
  5. Check your payment details and confirm the transaction to finish your one-time payment.

Set up recurring payments through Direct Pay

  1. Visit OneMainFinancial.com and log in with your username and password.
  2. Go to the Direct Pay section and follow the steps to set up automatic payments.
  3. Give your checking or savings account details for ACH transfer. Remember, you cannot use debit cards for Direct Pay.
  4. Pick how often and how much you want to pay to match your due dates.
  5. Check your payment details, confirm the setup, and turn on Direct Pay to automate your loan payments.

Forms of payment accepted online

  1. You can make payments directly from your checking or savings account using an ACH transfer.
  2. You can use a debit card for one-time payments, but this option is not available for Direct Pay.

Make payments through the App

  1. Visit the App Store (iOS) or Google Play Store (Android) on your smartphone. Search for "OneMain Financial" and download the app.
  2. Open the app and follow the prompts to install it on your device.
  3. Log In to Your Account. Open the app and log in using your OneMain Financial account credentials.
  4. Navigate to "Make a Payment". Once logged in, locate and click on the "Make a Payment" option in the app's menu.
  5. Enter Payment Details. Follow the instructions provided to enter your payment details, including the amount and payment method.
  6. Choose Payment Method. Select from available payment options such as ACH transfer from your checking or savings account or debit card.
  7. Confirm and Submit Payment. Review your payment information to ensure accuracy. Confirm and submit your payment to complete the transaction.

Make payments through a different bank

  1. Go to your bank’s online banking site where you have an account.
  2. Find the "Bill Pay" option in your online banking menu.
  3. Enter the needed information to add OneMain Financial as a Payee, including their address and your account number.
  4. Type in the amount you want to pay and pick a payment date.
  5. If you want, set up recurring payments to make sure your loan payments are on time each month.
  6. Check all details, confirm, and submit your payment.

FAQ

Can I pay my OneMain Financial loan off early?

With a OneMain loan, you can pay off your personal loan early without any fees. To do this, you can: Make a single payment for the full amount you owe. Add extra money to your regular monthly payment.

How to pay by phone?

Call Customer Service at (800) 290-7002 or your servicing branch (number available on your monthly statement or online account). Alternatively, use the automated phone system at (800) 290-7002 and follow the prompts. Accepted payment forms include ACH and debit card.

Offers
OneMain Financial
OneMain Financial Brightway℠+
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $3,000
Rate
i

Interest rate

up to 28.49%
OneMain Financial
OneMain Financial Brightway℠
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $1,000
Rate
i

Interest rate

up to 28.49%
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
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26.99 – 26.99 %
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Interest rate

21.49 – 28.49 %
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Interest rate

21.49 – 28.49 %
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Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Interest rate

20.49 – 29.24 %
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OneMain Financial reviews 2025
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4.4
Pros
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout. Overall, it was a positive experience.
Complain
4.6
Pros
Their customer service is truly outstanding, characterized by remarkably swift response times. I will unquestionably reach out to them again when the need arises.
Complain
4.4
Pros
Dealing with them is hassle-free, and their customer service is commendable. However, it's crucial to note that their interest rates are exorbitantly high. If you're considering a substantial loan, I would strongly advise giving it careful thought, although if the need is pressing, the interest rates might not leave much room for choice.
Complain
4.4
Pros
I've taken out several loans with OneMain Financial in the past year, and I must say that they stand out as one of the top financial companies I've dealt with. They are not only reputable and highly reliable but also offer absolutely outstanding customer service. My interactions with this company have been consistently positive, and based on these experiences, I can confidently say that they've earned my loyalty as a long-term customer. I'm truly grateful for everything they do to help individuals like me who rely on their services.
Complain
2.4
Cons
OneMain offers loans with exceptionally high interest rates, and while the borrowing process itself is relatively straightforward, they declined my application when I needed a loan for something important. I'm not entirely convinced that I would consider returning to them as a lender unless they significantly improve their terms and rates, which are currently quite disappointing.
Complain
4.4
Pros
One Main has incredibly helpful agents who have consistently been there for me, especially during a series of unexpected crises that occurred while I've been their customer. Their support has made difficult times a bit more manageable, and I am truly thankful for their assistance.
Complain
2
Cons
I requested to defer a payment, but instead, they raised my monthly payment from $470 to $570. I was struggling with the original payment, so this increase puts me in a more challenging financial situation. It feels like my concerns are not being addressed or taken seriously by anyone at the company.
Complain
4.4
Pros
One Main Financial provide outstanding service! I was approved on the same day, and the money was in my bank account within the hour—truly remarkable! Their customer service is top-notch.
Complain
2.2
Cons
Extremely disappointing experience. Their APR rates are unreasonably high, and their customer service leaves much to be desired. They made an error by withdrawing funds from my account a month early, causing it to go into the negatives, and they refused to cover the overdraft fees, despite it being entirely their fault.
Complain
4.4
Pros
This marked my first experience with a personal loan, and the ladies in the office made the entire process exceptionally smooth. They demonstrated remarkable patience in answering all my questions, which made me feel at ease throughout.
Complain
Company rating
3.0
/ 5
55 reviews
Application
3.2
Support service
3.0
Mobile App
3.0
Service quality
3.0
Your satisfaction level
3.0
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