Frequently Asked Questions

If you are a OneMain Financial Team Member or Customer, please see our OneMain FAQ.

What does Trim do?

OneMain Trim does the hard work of saving you money and managing your financial life. We can track your spending, monitor and cancel your unwanted subscriptions, and negotiate to lower your cable, phone, and internet bills!

Plus, we’re quickly building out additional features to help our users better understand their finances, make informed decisions and save more money. Stay tuned for new features rolling out.

Who is Trim?

OneMain Trim, LLC, which does business as Trim, is a member of the OneMain family of companies. We joined the OneMain family in 2021 and share OneMain’s mission of enhancing the financial wellbeing of hardworking Americans.

Is Trim secure?

Yes — extremely. We use bank-level security, 256-bit SSL encryption on our website, and encrypted databases. This means that we don’t store, use, or see any password you enter, and we have read-only access to your transactions when you connect your bank account. We also have two-factor authentication or OAuth when you sign in to ensure only you can access your account. You can read more about Trim Security here.

How do I sign up for Trim?

You can sign up at go.asktrim.com with your email address, Google login, or Facebook login. Once you create an account, you’ll be prompted to verify your phone number so that we can make sure you are you! Then, upload a bill we can negotiate or securely connect your primary bank account and/or credit card so Trim can start finding savings and recommendations for you.

Is Trim free?

Trim is mostly free! You have access to most features of Trim at no cost to you! If you enroll in our most popular feature, Bill Negotiation, we will charge you 15% of the total first year of savings. We won’t charge you if we don’t save you money.

What do you do with my data?

Your data is only used for you — we never sell it. We safeguard your data using bank-level security at all times. We don’t ever share your data with third parties.

Where is Trim available?

Our services are available throughout the United States.

How do I find and manage my subscriptions through Trim?

Trim has a unique algorithm to analyze your transactions and automatically identify your subscriptions. Once you connect the bank account where your subscriptions are charged, Trim will monitor and manage it for you. You can also ask us to cancel any unwanted subscriptions for free!

How can you save me money on my phone, internet, wireless, or cable bills?

1. You connect a telephone, wireless, cable, satellite radio, and/or internet bill to your Trim account for negotiation.

2. One of our expert bill negotiators will work on your bill to get monthly savings. When you're on the best and cheapest plan for your services and recurring savings are currently unavailable, we will negotiate for one-time credits to successfully lower your bill instead. Don’t be alarmed if you are notified that someone is calling about your account—that’s most likely us.

3. You will see these savings we have negotiated reflected in your service provider account in 1-2 billing cycles.

4. When our team identifies an opportunity to renegotiate your bill and increase or extend those savings, we'll automatically do so... no need for you to worry about it! You can also request us to negotiate your bill at any time.

How does Trim calculate savings?

Average annual savings are estimates and are based on studies of data reflecting the value of lowered bills and one-time credits negotiated by Trim and subscriptions canceled by Trim on behalf of customers:

1. Valuation of lowered bills: Customer savings equals the difference between the original and reduced billed amount. Savings for recurring bills are annualized assuming billing would have continued for 12 months from the date negotiations concluded.

2. Valuation of one-time credits: The customer’s savings equals the full value of the credit.

3. Valuation of canceled subscriptions: The customer’s savings equal the annualized cost of each cancelled subscription had it continued for 12 months from the cancellation date, unless Trim was made of aware of an earlier subscription end date.

4. Customers who had no savings in their first 12 months of Trim membership reduced the average savings results. Customers who became Trim members but did not use any Trim services were excluded from savings calculations.

5. The average annual savings estimates do not reflect membership or other fees customers paid to Trim.

Total lifetime savings are estimated and based on studies of data reflecting the value of lowered bills and one-time credits negotiated by Trim and subscriptions canceled by Trim on behalf of customers:

1. Valuation of lowered bills: Customer savings equals the difference between the original and reduced billed amount. Savings for recurring bills are annualized assuming billing would have continued for 12 months from the date negotiations concluded.

2. Valuation of one-time credits: Customer savings equals the full value of the credit.

3. Valuation of canceled subscriptions:  Customer savings equals the annualized cost of each canceled subscription had it continued for 12 months from the cancelation date unless Trim was made of aware of an earlier subscription end date.

4. Total lifetime savings estimate does not reflect membership or other fees customers paid to Trim.

5. Total lifetime savings estimate covers the period March 10, 2017 through February. 2, 2023 and includes savings resulting from presently available and discontinued Trim products and services.

How do I cancel my Trim account?

If you’d like to cancel your account, follow these steps:

1. Log in to your Trim account and click on the menu button located at the top-right corner of the page.

2. Click on the “Setting” link.

3. Click on the “Account” option.

4. Click on the “Delete Account” button.

I still have questions. How do I reach a human?

We are available via live chat: Monday to Friday 8am-5pm PT

Text us anytime: 28060

Email us anytime: help@asktrim.com.