Frequently Asked Questions

What does Trim do?

Trim automates saving you money. Trim does the hard work for you -- including canceling your unwanted subscriptions and negotiating 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.

How do I create a Trim account?

If you are a OneMain Financial Team Member, you can sign up for Trim through your Okta account. Once logged in, please click on the Trim card 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.

Is Trim free?

Trim is mostly free! As a OneMain Financial Customer, you have access to most features of Trim at no cost to you! If you enroll in Telecom Bill Negotiation, you may be charged a success fee as a percentage of the total first year of savings. We won’t charge you if we don’t save you money.

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.

Is Trim secure?

Yes — extremely. We use 256-bit SSL encryption on our website, encrypted databases and two-factor authentication or OAuth when you sign in. You can read more here.

Do you support my bank?

Most likely! We support more than 15,000 U.S. financial institutions.

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.

How does negotiation work for my phone, internet, or cable bills?

First, you provide us with the information we need about your service provider account and current bill by either uploading or sending us a bill, or logging in through our platform. Once we have that information, we get to work on finding better plans and promotions. Don’t be alarmed if you are notified that someone is calling about your account—that’s most likely us.

Once you provide us with your bills or service provider credentials, we will negotiate savings on your behalf on an ongoing basis.

How do you negotiate my medical bills?

Trim takes a look at 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.

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. Savings figures do not reflect membership fees or other fees 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: help@asktrim.com.