Frequently Asked Questions

• Loan Application Process Questions

  • Can I apply over the phone?
    • Yes, please call us and we will be happy to take your application over the phone.
  • Can I consolidate bills?
    • Omni Financial offers debt consolidation loans. Just inform your Credit Specialist that you wish to consolidate some bills and the Credit Specialist will determine the best way to accomplish this goal when processing your application.
  • Can I use a Mid-Month LES?
    • For active duty military personnel, Omni Financial requires an End of Month LES in order to begin processing your loan application.
  • How can I check on the status of my loan application?
    • Omni Financial will send you a message to your Message Center once your LES, RAS or like income document has been received by us. This starts the loan application process. You will then start receiving messages regarding the status of your loan application from your assigned Credit Specialist shortly thereafter at your Message Center. Log on to the secure Message Center.
  • How do I know if I am eligible to apply for a loan?
    • Omni Financial accepts loan applications from U.S. Active Duty Army, Air Force, Marines, Navy or Coast Guard and AGR serving under title 10 orders. We also accept applications from U.S. Career (20+ yrs) Retired military as well as past or current Omni civilian customers. Click here to Apply. Residency restrictions may apply.
  • How do I know you received my email, message or fax?
    • You will receive confirmation and updates at your secure Message Center. Response times may vary.
  • How do I send my LES, RAS or like income document to you?
    • You have several options: For security reasons, we ask that you do not email us your documents.
      1. Text it to us by responding to a text message from Omni Financial.
      2. Upload it to us from your mobile device or computer by signing in to your customer account and clicking the “Click Here to Upload LES” link from your home page.
      3. Fax it to us: +1(702) 531-6845 or +1(800) 666-4904.
  • How fast can I receive my loan funds?
    • The fastest way to receive your loan funds will be to elect the Omni Financial Debit Card by visiting one of our local branches. Another option is a direct deposit, which gets you your loan funds fast.
  • How long does it take to get my loan approved?
    • Omni Financial strives to make a loan decision by the close of business following the completion of your application. Please be sure to provide accurate phone numbers on the application so we can contact you easily regarding your loan application.
  • How much can I borrow?
    • Omni Financial makes personal loans from $500 to $10,000. All loans are subject to our credit guidelines and certain restrictions apply. Each service member’s facts and circumstances differ, so rather than making a general limitation, we consider each application individually. Click here to read more on how much you can borrow.
  • I am a civilian. Can I apply for a military loan at your website?
    • Omni Financial is an installment loan company specializing in military lending. In addition to accepting loan applications from service members who are active duty and career retired, we also accept applications from current and former customers who have successfully transitioned to civilian life.
  • If my loan is denied, can I get a smaller amount?
    • We will explore all possibilities in processing your loan application. Please make sure we are aware of any additional income or other information that will help in processing your loan application.
  • The website will not let me re-apply. Why?
    • An application may have previously been submitted and is still open in the system. It could also be that you are reapplying too soon after a previous loan approval or denial. Please call us at: +1 877 OMNI USA or +1 914 297 6107 or send a message through your Message Center and we will look into it.
  • What if I have bad credit, can I apply?
    • Yes, you can apply. Omni Financial considers each loan application individually and very carefully. As one of the nation’s leading military loan companies, we understand some of the problems that service members can experience with credit. If there is something on your credit which appears problematic, we will contact you and discuss it. While other companies may not offer loans to customers with bad credit, with Omni Financial there is hope!
  • What if I am stationed overseas, how can I get my money?
    • Once approved, Omni Financial can direct deposit your loan proceeds into virtually any stateside bank and into most U.S. based banking institutions overseas.
  • What is the Message Center and why do I need to use it?
    • The Message Center is a secure area of the Omni Financial website where you can communicate with your Credit Specialist. You will send and retrieve messages to or from your Credit Specialist by logging into your account and using the secure Message Center. Omni Financial does not use regular email to transmit confidential information because regular email is NOT secure. However, our Message Center IS fully secure. The Message Center is key in the loan application process. Log on to the Message Center to check the status of your loan application.
  • What is the status of my military loan application?
    • Please periodically check your messages at your secure Message Center. There you will receive messages regarding the progress of your military loan application from your assigned Credit Specialist. Click here to log on now.
  • Who is my Credit Specialist?
    • Upon receipt of your military loan application and current End of the Month LES, RAS or like income document, you will be assigned a Credit Specialist who will work with you during the application process. Check your Message Center to find your Credit Specialist. Click here to log on now.

• After the Loan is Finalized Questions

  • How can I get a copy of my loan documents or a statement of account?
    • Loan documents are available online by signing on to your secure Message Center. Additionally, you can obtain copies of your loan documents or a statement of account by giving us a call at: +1 877 OMNI USA or +1 914 297 6107 or send a message through the Message Center.
  • How do I get the up to date balance on my loan?
    • Please call us at: +1 877 OMNI USA or +1 914 297 6107 or send a message through the Message Center and we will be happy to provide your balance.
  • I changed my mind. Can I cancel the loan?
    • Omni Financial takes great pride in providing professional, personalized lending services to our customers. We want to ensure that you are 100% satisfied with your loan and our services. If you are not totally satisfied for any reason with your loan or our service, you can cancel the loan. Simply return the proceeds of your loan within 15 days (30 days for certain North Carolina loans) of the date of the loan, and we will cancel your loan immediately.
  • I received a communication saying I was due a refund. How do I get it?
    • If your account becomes overpaid, we will promptly refund your overpayment. Just send a message through your Message Center or give us a call at: +1 877 OMNI USA or +1 914 297 6107. We can direct deposit your refund into your stateside checking or savings account for $7 or we can mail your refund to you by U.S. mail for free. The choice is yours.
  • My military allotment stopped too soon. How do I restart it?
    • For instructions on how to restart your allotment, please login to your homepage, click on “Upload a Document” and follow the instructions on how to start an allotment. OR If you would like us to walk you through the process, just give us a call: Easy –> +1 877 OMNI USA or +1 914 297 6107.
      Easier — > Click and we’ll call you.
  • My loan is paid in full. How do I stop my military allotment?
    • For instructions on how to stop your allotment, we can walk you through the process, just give us a call: Easy –> +1 877 OMNI USA or +1 914 297 6107
      Easier — > Click and we’ll call you.
  • What is my payoff on my military loan?
    • Please call us at: +1 877 OMNI USA or +1 914 297 6107 or send a message through the Message Center and we will be happy to quote the payoff for the exact date requested.
  • When is my last payment due?
    • Your last regularly scheduled payment due date can be obtained by reviewing your loan documents. You can also call us and we will be happy to provide you with that information.

• Payment Questions

  • Where do I mail payments?
    • When sending payments to us by mail, please send to:
      Omni Financial
      P.O. Box 1811
      New Rochelle, NY 10802-1811
      Note: please make sure to put your account number on your payment. For other payment options just give us a call at: +1 (877) 666-4872
  • How do I make my loan payments?
    • You can repay your loan by cash, check, money order, draft (ACH) or by military allotment.
    • Payments can be mailed to:
      Omni Financial
      PO Box 1811
      New Rochelle, NY 10802-1811

      Payments can also be made in person at any of our walk-in branches during their normal business hours. To see a list of branches, their addresses and hours of operation please click here.

    • If you intend to use the proceeds of your loan to purchase a motor vehicle, furniture, electronics or other tangible movable items, you should NOT elect the repayment method of allotment.
  • If I overpay the loan, how do I get a refund?
    • If your military loan becomes overpaid, we will promptly refund any overpayment that has been received by us. Just send a message through your Message Center or give us a call at: +1 877 OMNI USA or +1 914 297 6107. We can expedite your refund by sending it to you by direct deposit at your preference, or we can mail your refund to you by U.S. mail.
  • If I want to make additional payments, how can I?
    • • You can make additional payments on your loan at any time. To make payments by check or money order please mail the payment to:
        Omni Financial
        P.O. Box 1811
        New Rochelle, NY 10802-1811
      • NOTE: Please make sure to put your account number on your payment. For other payment options just give us call at: +1 (877) 666-4872

• Customer Service Questions

  • How can I contact you when I am overseas?
    • Omni Financial
      P.O. Box 44215
      Las Vegas, NV 89116

      USA Phone:	+1 914 297 6107
      USA Phone Toll Free:	+1-877-OMNI USA (1-877-666-4872)
      USA Fax:	+1-702-531-6845
      USA Fax Toll Free:	+1-800-666-4904
      International:
      Germany Phone Toll Free:	0800 YES LOAN (0800 937 5626)
      Germany Fax Toll Free:	0800 FAX LOAN (0800 329 5626)
      Italy/Belgium Phone Toll Free:	00800 YES LOANS (00800 937 56267)
      Italy/Belgium Fax Toll Free:	00800 FAX LOANS (00800 329 56267)
      Japan/Korea Phone Toll Free:	010 800 LOANS YES (010 800 5626 7937)
      Japan/Korea Fax Toll Free:	010 800 LOANS FAX (010 800 5626 7329)
      All Others Europe:	+1-931-802-6522

      To contact customer support please click here.

  • If I do not have access to a fax machine, how can I get my LES, RAS or like income document to you?
    • You have several options: For security reasons, we ask that you do not email us your documents.
      1. Text it to us by responding to a text message from Omni Financial.
      2. Upload it to us from your mobile device or computer by signing in to your customer account and clicking the “Click Here to Upload LES” link from your home page.
      3. Fax it to us: +1(702) 531-6845 or +1(800) 666-4904
    • If you do not have a fax machine available to use, the best and safest way to get us your LES, RAS or like income document is by uploading it to us from your mobile device or computer by first signing in to your homepage . Once logged in, please click “Upload a Document” available on the menu bar. Once you arrive on the upload a document page, click on browse to choose the document to upload, click LES/RAS/Member Information Page, and click upload.
    • Help on acquiring your LES is available by following the link. For security reasons, we ask that you do not email us your LES.
  • I forgot my password, how do I get it back?
    • To retrieve your password click here or log on here and click on the “forgot your password” button. Please keep in mind that your password is case sensitive. If you still can not retrieve your password please call us at: +1 877 OMNI USA or +1 914 297 6107 or send a message to the Message Center and we will be happy to assist you.
  • I am overseas. All I know is my DSN Phone Number. How do I convert it to international numbers in order to supply you with a phone number to reach me?
    • Please check with your military administrative personnel to help you convert your DSN number to an international phone number.
  • What is your contact information?

    • Mailing Address: Omni Financial P.O. 44215, Las Vegas, NV 89116	Phone Numbers: +1 914 297 6107 +1 877 OMNI USA (1-877-666-4872)	Fax Numbers: +1 702 531 6845 +1 800 666-4904
      Email address: customersupport@omnimilitaryloans.com

• General Questions

  • Do I have to pay any advance fees in order for you to consider my online military loan application with Omni Financial?
    • No. Unlike some, Omni Financial does not charge any up-front loan application fees in order to submit a military loan application.
  • What are the interest rates on your Military loans?
    • Our military loan rates will vary depending on several factors such as state law, the amount and length of the loan, current financial obligations and your past credit history. We make loans with interest rates that range from low single digit amounts to a maximum of 35.95%. Applicants with excellent credit may receive a very competitive rate while those who have had some credit problems will find their rate may be higher. In any case, Omni Financial will work to get your loan approved as fast as possible and offer a competitive rate as compared to other military loan lenders, payday loans and pawn lending.
  • Is my loan with Omni covered under the Military Lending Act (MLA)?
    • Yes, your loan with Omni will be covered under the MLA whether you are a covered member or not. Unlike many other financial institutions, Omni Financial has elected to treat all of its customers (effective 03/05/2020)  the same as covered members and extends the benefits afforded by the Military Lending Act to everyone. Omni does not verify military status, therefore each customer is expected to know his or her personal status under Federal law. For information on the MLA see https://www.consumerfinance.gov/ask-cfpb/what-are-my-rights-under-the-military-lending-act-en-1783/