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I’m a civilian. Can I apply for a military loan at your website?
Omni Financial is a military consumer finance company specializing in military lending. We only accept applications from career retired and active-duty service members on this website at this time.
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I’m a civilian. Can I apply for a military loan at one of your loan offices?
Omni Financial is a military consumer finance company specializing in military lending. We only accept applications from career retired and active-duty service members at this time.
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How do I know if I’m eligible to apply for a loan?
If you are full time active duty or career retired (Army, Air Force, Marines, Navy or Coast Guard you are generally eligible to apply for a loan with Omni Financial. Apply at https://www.yesomni.com/application/start.php
Residency restrictions may apply.
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How much can I borrow?
Omni Financial makes personal loans up to $10,000. All loans are subject to our credit guidelines and certain restrictions apply. The maximum amount you can borrow is determined by your ability to repay the loan, primarily measured by your income, debts and credit history. Please indicate on your application how much you'd like to borrow and we'll do our best to meet your requirements. Each service member's facts and circumstances differ, so rather than making a general limitation, we consider each application individually.
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How long does it take to get my military loan approved?
Omni Financial is committed to making a loan decision by the close of business following the completion of your application. Your application will be considered complete when a current end of month LES has been received by Omni Financial and all questions have been answered on the application. Please be sure to provide accurate phone numbers and time zones on the application so a loan specialist can contact you easily regarding your military loan application. To make it convenient to repay your loan, we suggest repayment of your loan through allotment. DFAS instituted Discretionary allotments are very convenient for the service members. There are many reasons why it is to your advantage to use direct deposit. It's convenient and automatic, it's timely, plus there's no check to write each month and no need to remember a due date. The allotment service center sends us your monthly payment by the first of the month so there is no worry about late payments or late charges when you are in the field, TDY, on emergency leave or deployed.
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How fast can I receive my loan funds?
The fastest way to receive your loan funds will be to elect the direct deposit option which gets you your military loan money in as fast as 24 hours. Direct deposit to your checking or savings account is the fastest and safest method. Unlike a check, once the money is credited to your account it is available for immediate withdrawal. Alternatively, Omni Financial can mail a check by regular U.S. mail. In selected offices checks can be given to you in person as well.
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What if I have bad credit, can I apply?
Yes you can. We can help you re-establish your credit. Omni Financial considers each online loan application individually and very carefully. Most of our Credit Officers are former NCO’s who have been in your shoes. As one of the nation's leading military loan companies, we understand some of the problems that service members can experience with credit and we can take certain things into consideration. If there's something on your credit which appears problematic, we'll contact you and discuss it. While other companies may not offer loans to military with bad credit, bad credit military loans, with Omni Financial there is hope!
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If my loan is denied, can I get a smaller amount?
Your Credit Officer will explore all possibilities in processing your loan application. Please make sure your Credit Officer is aware of any additional income or other information that will help in processing your loan application.
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Can I consolidate bills?
Yes, Omni Financial makes debt consolidation loans. Just inform your Credit Officer that you wish to consolidate some bills and the Credit Officer will determine the best way to accomplish this goal when processing your application.
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What if I’m 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. Or we can mail your loan proceeds check using U.S. Postal Service.
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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 Officer or Customer Service Specialist. You will send and retrieve messages to or from your Credit officer 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 often to check the status of your loan application at: https://www.yesomni.com/application/start.php.
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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 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 Officer shortly thereafter at the secure message center at: https://www.yesomni.com/application/start.php
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How do I know you received my email, message or fax?
You will receive confirmation and updates at the secure message center. Response time may vary, up to a couple of hours, depending on your Credit Officer’s work load.
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What is the status of my military loan application?
Please periodically check your messages at the secure message center at: https://www.yesomni.com/application/start.php. Here you will receive messages regarding the progress of your military loan application from your assigned Credit Officer.
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Who is my loan officer?
Upon receipt of your online military loan application and current End of the Month LES, you will be assigned a Credit Officer who will work with you during the application process. Check your message center to find out who your Credit Officer is at: https://www.yesomni.com/application/start.php.
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Can I apply over the phone?
Not at this time, all of our applications are submitted by coming into our offices or by applying online at: https://www.yesomni.com/application/start.php.
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I need additional funds but I still owe you money, Can I still apply?
Yes you can and you are encouraged to do so. Keep in mind that the balance on your present loan will be a factor in deciding whether you are eligible for more money. Also, we look to see how many payments have been made on your existing loan – the bigger the loan, the more payments we expect to have been made.
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How many payments do I need to make before I can reapply for a new military loan?
There is no hard and fast rule here; however, at least one payment must be made on your current loan before you can be considered for a renewal loan. It usually will depend on the size of your present loan – the bigger the loan, the more payments we expect to have been made. If you’ve just recently taken out a large loan and have made only a few payments, it will probably be too soon to refinance. On the other hand, if you’ve established a good paying record and have worked your present loan’s balance down, then there’s a good chance you can re-apply.
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Do I have to payoff my present military loan before I can reapply for additional money?
It depends on several factors. An important factor is the size of your present loan - if your present loan was a large loan, then at least 6 - 8 payments should be made prior to re-applying for a renewal. For smaller loans, at least one payment must be received, and then you can usually re-apply. In any case, if approved, the remaining balance on your existing loan will be refinanced and added to the new loan.
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How do I make my payments?
The recommended repayment method for active duty military is by military allotment. Omni Financial recommends repayment by allotment because DFAS instituted discretionary allotments for the convenience of the service member. Using an allotment to repay your military loan is extremely beneficial to you because:
- It's convenient and automatic.
- It's timely.
- No check to write each month.
- No envelope, no coupon, no stamps, no trip to the mailbox.
- No need to remember a due date.
- No need to worry when you are in the field, TDY, emergency leave, deployed, etc.
- The allotment service company sends us your payment by the first of the month.
- No worry about late payments or late charges.
It’s your choice, but as you can see, allotment repayment is most convenient.
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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 to your message center at https://www.yesomni.com/application/start.php
Or give us a call at: +1 877 OMNI USA or +1-702 437 6057. We can expedite your refund by sending it to you by direct deposit at your option. If you’re not in a hurry we can mail your military loan refund to you by U.S. mail.
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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 military loan and our services. If you are not totally satisfied for any reason with your loan or our service, you can cancel the transaction at no cost to you whatsoever. Simply return the proceeds of your loan within 15 days of the date of the loan and we will cancel your military loan immediately.
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When is my last payment due?
Your last regularly scheduled payment due date can be obtained by reviewing your military loan documents or you can just give us a call at 1 877 OMNI USA
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My allotment stopped too soon. How do I restart it?
Please call us at: +1 877 OMNI USA or +1-702 437 6057 or send a message to the message center at https://www.yesomni.com/application/start.php and we will be happy to send you the allotment start instructions through your Message Center.
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My loan is paid in full. How do I stop my allotment?
Please call us at: +1 877 OMNI USA or +1-702 437 6057 or send a message to the message center at https://www.yesomni.com/application/start.php and we will be happy to walk you through the procedure for stopping your military loan allotment.
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I received a letter saying I was due a refund. How do I get it?
If your military loan becomes overpaid we will promptly refund any overpayment that has been received by us. Just send a message to your message center at https://www.yesomni.com/application/start.php
Or give us a call at: +1 877 OMNI USA or +1-702 437 6057. We can expedite your refund by sending it to you by direct deposit at your option. If you’re not in a hurry we can mail your military loan refund to you by U.S. mail.
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How do I get the up to date balance on my loan?
Please call us at: +1 877 OMNI USA or +1 702 437 6057 or send a message to the message center at https://www.yesomni.com/application/start.php and we will be happy to provide your balance.
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What is my payoff on my military loan?
Please call us at: +1 877 OMNI USA or +1-702 437 6057 or send a message to the message center at https://www.yesomni.com/application/start.php and we will be happy to quote the payoff for the exact date requested.
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I forgot my password, how do I get it back?
To retrieve your password click here: https://www.yesomni.com/application/retrieve_password.php or log onto https://www.yesomni.com/application/start.php and click on the “forgot your password” button. Please keep in mind that your password is case sensitive.
If you still can’t retrieve your password please call us at: +1 877 OMNI USA or +1-702 437 6057.
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What is your contact information?
Phone numbers:
+1 702 437-6057
+1 877 OMNI USA
Email address:
Customersupport@yesomni.com
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How can I contact you when I’m overseas?
To reach us from an overseas duty assignment please send a message to the message center at https://www.yesomni.com/application/start.php or you can contact us as follows:
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: +1-931-431-4411
All Others Worldwide: +1 702 437 6057
Email address:
Customersupport@yesomni.com
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I’m 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 communications specialist to help you convert your DSN number to an international phone number.
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Is my personal information secure?
Yes. Security of confidential information is a priority at Omni Financial.
Please read our privacy policy at: https://www.yesomni.com/privacy_policy.php.
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I sent you my LES two months ago. Why do you need a new one?
We require a new end of the month LES and application for each new application or returning applicant because entitlements and deductions may change from month to month. Your military loan Credit Officer wants to be able to fully consider your application so as to give you the best possible chance of being approved for the amount you request. Having up to date LES information is essential to the military loan approval process.
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Do you offer any optional payment protection plans?
Yes. Depending on which state you are located in, Omni Financial offers several payment protection plans including credit life, credit disability and debt cancellation plans. We feel these options are superior to most other programs in as much as there are no military or wartime exclusions. These optional plans are not a requirement for loan approval but most of our customers take advantage of them. The plans will cancel your debt under many circumstances that may present themselves in military life. Your military loan Credit Officer will be happy to explain the options to you.
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What are the interest rates on your military loans?
Our military loan rates will vary depending on several factors such as the amount and length of the loan, current financial obligations and past credit history. Applicants with excellent credit can most likely expect a very competitive rate while those who have had some credit problems will find their rate will 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.
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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.
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