Frequent moves, deployments, and military spouse unemployment can take a toll on the financial health of military families.  Many live paycheck to paycheck and are unable to build up a substantial savings account or an emergency fund.  Having to come up with money to pay for a car repair, PCS-related cost, an uncovered medical bill, or other expense can compound already stressful circumstances.  If you are a service member and find yourself in this situation, a military loan can help.

What is a military loan?

A military loan is a personal loan designed especially for active duty servicemembers. At Omni, we are proud to offer military loans to active duty U.S. service members, as well as retired military members of the following military branches*:

  • Army
  • Navy
  • Air Force
  • Marines
  • Coast Guard
  • Space Force

We also lend to Department of Defense Personnel.

Apply for a military loan

Applying for an Omni military loan is easy and we offer several options. You can apply online, over the phone on +1-877-OMNI-USA, or at one of our office locations serving all military installations around the world.  Even if you are stationed overseas, you can still apply for a loan.

After applying

You will receive a confirmation of your online application, as well as other updates, at your secure message center. Once we received your LES or RAS we will begin processing your loan request!

Security and privacy

At Omni, we take your security and privacy very seriously.  In order to apply for a loan, you will need to disclose some confidential and personal information. Whether you apply online, over the phone, or in person, you can be confident that your information will be safe and secure.

The advantages of an Omni military loan

Military loans from Omni provide a financial helping hand to military members. Some of the main advantages of using Omni for your lending needs include:

Flexible amounts – You can borrow as little as $500 or as much as $10,000.

Convenient – Apply online, over the phone or in person.

Approval within hours – We understand that when you need money, time is of the essence. That’s why our approval process is convenient. In many cases you can receive loan approval and funding within hours.

Responsible lending – While we do our best to approve your requested loan amount, we look at your ability to repay the loan before determining the amount you can borrow.

In your community – We are one of the only military lenders that has actual brick and mortar office locations.  Our offices are located near many military installations around the country and we are proud to give back to the communities where we live and serve. Stop by one of our office locations any time to ask questions, apply for a loan, or get more information. Or you can request a call by clicking here.

Qualifying for a military loan

To determine if you qualify for a loan, we look at several factors including your debts, income and credit history. We also realize that some military members have poor credit—this is not an automatic denial. Most of our lending specialists are former military and they understand the military lifestyle challenges that can sometimes affect a person’s credit score. We look at loan applications on a case-by-case basis and will take certain things into consideration.

Receive funds within hours

The entire process from application to funding can be completed fast, depending on when we receive your application and any required documents.  Omni Financial offers easy ways to receive your funds.

Direct Deposit – We can deposit your funds into any stateside checking or savings bank account, and most U.S.-based banking institutions overseas. Once your funds are credited, they will be available for immediate withdrawal. You’ll pay no check cashing fees.

Instant access – An even faster way to receive your funds is with an optional prepaid debit card available at all Omni stateside offices. You’ll be able to use your funds immediately.

In-Office Pickup

If you live near a selected Omni office, you can stop by and pick up a Money Network® Prepaid Debit Card and Money Network® Checks. You’ll have easy access to your money** and be able to make purchases anywhere Visa® debit cards are accepted, or get cash back with PIN debit purchases.

Interest rates

Our loans have federal APRs that range from competitively low digits percentages to a maximum of 35.95%. Rates vary and are dependent on various factors such as state law, credit score, debts, the amount and length of the loan, and past credit history. When compared to other military loan companies, you’ll find that Omni’s interest rates are very competitive.

Paying back an Omni military loan

Omni loans are installment loans. You’ll have fixed monthly payments so you’ll know just how much you’ll be expected to pay back each month. Repayment terms range from 6 to 36 months. Upon approval of your loan, you’ll receive documents that will tell you the duration and the schedule of your loan repayment. That means there will be no surprises and you’ll be better able to budget yourself.

Omni makes paying back your loan as easy and hassle-free as possible. We accept payments by cash, check, money order, draft, ACH or the most convenient method, military allotment. With a military allotment, your payment is automatic, no matter where you are in the world or what you are doing.

The Omni guarantee

As a leader in the military lending market, we are dedicated to providing professional, personalized service.  As part of our commitment to customer service, we back all our loans with a 100% 15-day satisfaction guarantee. If for any reason you change your mind or are not satisfied with your loan or our service, you can cancel your transaction within 15 days*.

*30 days in NC for E4 and below.

The Omni legacy

Omni has proudly served the military for over 50 years. We were founded by a World War II veteran who saw that there was a need to help members of the U.S. Armed Forces obtain a personal loan, easily and quickly.  We have branch offices throughout the United States and were one of the first online military lenders.  Since our inception, we have provided military loans to hundreds of thousands of U.S. service members. If you need financial assistance for any needs, contact us today and we will be happy to help you!

Five easy steps to getting an Omni military loan!

  1. Apply online, in person, or over the phone by calling 1-877-OMNI-USA
  2. Upload an end of month LES or RAS statement
  3. Our lending specialists will review and process all your information
  4. Receive your loan decision within hours
  5. Funds will be deposited into your bank account or alternatively you can choose to use the money network® Prepaid Debit Card*.

*See FAQ’s: “How do I know if I am eligible to apply for a loan?”
**Using the Money Network®Prepaid Debit Card is subject to identity verification as required by the USA PATRIOT Act