Frequently Asked Questions

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

What does Trim do?

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.

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 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.

How can you keep your prices so low?

We recently 'Trim-ed' our prices because our mission is to help all hard-working Americans be financially healthy! Lowering our fees allows us to reach more users like you and make an even greater impact in your financial life.

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 cancelled by Trim on behalf of members:

1. Valuation of lowered bills: The member’s 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 member’s savings equals the full value of the credit.

3. Valuation of cancelled subscriptions: The member’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. Members who had no savings in their first 12 months of Trim membership reduced the average savings results.

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

Aggregate lifetime savings are an estimate based on a study of our customers and assume the following:

1. Aggregate savings are the sum of all lowered, waived, or cancelled payments secured by Trim;

2. Savings are based on the difference between the original payment owed and the reduced amount negotiated, and waived or cancelled payments are treated as full savings of the original payment;

3. For recurring expenses, we assumed bills will continue for 12 months from the date a reduction is secured and included the full annualized savings unless we were aware of a specific contract expiration date within 12 months; and

4. Savings figures do not reflect membership fees or other fees paid to Trim.

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: