OneMain Financial Performance Overview
How we make and service loans
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Marketing
Customer Need
Application
Underwriting
Conditional
Approval
Ability-to-pay
Loan Disbursed
Direct-mail, credit aggregators, email, partnerships and web searches
Customer has liquidity need (e.g. unexpected repair bill) and often an interest in debt
consolidation to simplify their finances or reduce number of monthly debt payments
Online (~80% of new customer apps), over the phone or in person at one of OneMain's
1,500+ branches
Centralized underwriting model with 1,000+ attributes utilizes our decades of through-the-
cycle data and sophisticated analytics to return a credit grade
Approved applicants provided a list of necessary documentation and invited to a branch
Ability-to-pay analysis, including income verification, creates a solid foundation for
assessing borrower credit and allows for appropriate product matching
Customer receives funds as quickly as the same day (most frequently overnight ACH)
Loan Servicing
Loan is serviced in branch until 60+ DQ, then shifted to specialized central servicing
OneMain Financial.
Note: exceptions may apply
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