Welcome, OneMain Customers!

Frequently Asked Questions

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, internet, and even your medical 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?

Ask Benjamin 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.

How do I sign up for Trim?

If you are a OneMain Financial Team Member, you can sign up for Trim through your Okta account. Once logged in, just click on the Trim banner and follow the prompts.

If you are a OneMain Financial Customer, you can sign up for Trim by logging into your OneMain account. Once logged in, just click on the Trim “Sign Up for Free” button and follow the prompts.

You will be asked to verify your phone number so we can make sure you are you, and communicate with you about your account. Then, securely connect your bank account and upload a bill we can negotiate so we can start finding savings for you.

How can I access my Trim account after I've signed up?

You can access your Trim account by logging into your OneMain Financial online account at https://www.onemainfinancial.com/log-in and navigating to the Trim tile.

What does Trim cost?

As a OneMain Financial Customer, you have access to Trim features at no cost to you!

If you are a OneMain Financial Team Member, Trim is a free benefit for the first year from the date of your sign-up. During this time, you will not be charged for any of the features. After one year, fees will apply for negotiation services.

Free services for OneMain Financial Customers and Team Members may differ from Trim’s paid services and not all Trim services may be made available. Free services may be modified or discontinued.

Where is Trim available?

Most of our services are available throughout the United States. Medical Bill Negotiation is available in 44 states and currently unavailable in AK, AR, CT, DC, MA, RI & VT. Trim services may be modified or discontinued.

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, 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 an estimate based on a study of our customers and assume the following:

1. Savings are included in the average if a lowered, waived, or cancelled payment was secured by Trim in the first 12 months of membership;

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 and included the full annualized savings in the average unless we were aware of a specific contract expiration date within 12 months;

4. Clients with no savings in their first 12 months of membership reduced the average; and

5. Average annual savings for OneMain Financial Customers or Team Members may differ from savings advertised elsewhere due to differences in which Trim services are available.

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.

5. The aggregate total may include discontinued services and services that are not available to OneMain Financial Customers and Team Members.

How do you negotiate my medical bills?

Trim reviews your medical bill to see if there is potential for a payment plan or savings. You will need to provide a signed authorization form to allow Trim to speak about your billing account with your medical provider. Then, Trim can then negotiate and discuss payment options for your bill.

We will always communicate potential changes or payment arrangements with you before accepting on your behalf.

Please note that this is currently not available in AK, AR, CT, DC, MA, RI & VT.

What if I don’t see Trim in my OneMain account?

Trim services may be modified or discontinued. We reserve the right to suspend access as described in the terms of use of https://asktrim.com or onemainfinancial.com.

How can I access my Trim account after I have paid off my OneMain loan?

Congratulations on paying off your loan! You can still access Trim directly – follow the instructions in this article or contact our support team for assistance.

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.