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.

How do I get started with Trim?

If you are a OneMain Financial customer, you can get started with Trim by logging into your OneMain account. Once logged in, just click on the Trim button and follow the prompts.

If you are a OneMain Financial Team Member, you can access Trim through your Okta account. Once logged in, just click on the Trim tile 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 find my Trim account?

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 available on the right hand side of the Account Summary Page.

You can also access Trim by logging into the OneMain mobile app and clicking on the "Go to Trim" button available on the "Account" screen.

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. 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 estimates and 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 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 cancelled subscriptions:  Customer savings equals 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 the applicable 12 month period 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 cancelled 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 cancelled subscriptions:  Customer savings equals 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. 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 Feb. 2, 2023 and includes savings resulting from presently available and discontinued Trim products and services.

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

You can access Trim by -

1. Logging into your OneMain Online Account and navigating to your Account Summary page. Look for the “Take Me To Trim” button on the right hand side of the Account Summary page

2. Logging in to OneMain mobile app and clicking on the “Go To Trim” button available on the “Account” screen

If you need further help accessing Trim, OneMain customers can call 800-325-2146 or send us a note at https://www.onemainfinancial.com/contact-us

For questions regarding Trim features, customers can reach out to us using any of the following –

1. Email: help@asktrim.com

2. Text: 28060

3. Live Chat: go.asktrim.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.

How do I cancel my Trim Account?

If you would 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.