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does one main financial call your employer

Understanding How One Main Financial Verifies Employment with Employers

Publish on : March 3, 2024

does one main financial call your employer


When it comes to managing finances, having a reliable and trustworthy financial institution by your side is crucial. That’s where OneMain Financial comes in – a leading personal loan provider that offers financial solutions to individuals with less than perfect credit. With its wide range of products and services, OneMain Financial has helped countless people achieve their financial goals. However, a common question that arises is whether OneMain Financial calls employers during the loan application process. In this comprehensive article, we’ll take a closer look at this topic and provide you with all the details you need to know.

Understanding OneMain Financial

Founded in 1912, OneMain Financial has over 100 years of experience in the lending industry. With more than 1,500 branches across 44 states, OneMain Financial strives to provide personalized and comprehensive financial solutions to its customers. Its products and services include personal loans for debt consolidation, home improvement, and unexpected expenses, among others. With a strong focus on customer satisfaction, OneMain Financial has built a solid reputation for itself as a reliable and reputable financial institution.

Does OneMain Financial Call Your Employer?

One of the most commonly asked questions about OneMain Financial is whether they call an applicant’s employer during the loan application process. The simple answer is – it depends. OneMain Financial may choose to call an applicant’s employer for various reasons, including verifying employment, income, and other details relevant to the loan application.

However, it’s important to note that OneMain Financial values and respects the privacy of its customers. As such, they only call an applicant’s employer after obtaining consent from the customer. In most cases, this will only happen if an applicant is unable to provide sufficient documentation or if there are discrepancies in the information provided.

Importance of Employer Verification

You may wonder why OneMain Financial finds it necessary to verify employment with an applicant’s employer. This may seem like an invasion of privacy, particularly if you’re a private person. However, there are several valid reasons why OneMain Financial may choose to do so.

Firstly, verifying employment helps OneMain Financial determine an applicant’s ability to repay the loan. By confirming an applicant’s income and employment status, they can assess whether the applicant has the means to pay back the loan. This is essential for responsible lending and ensuring that the loan won’t put the applicant in financial distress.

Secondly, verifying employment helps OneMain Financial protect itself and its customers from potential fraud. By confirming that an applicant is employed at the company they claim to work for, OneMain Financial can ensure that the loan is going to the intended recipient. This helps prevent identity theft and other forms of fraud.

The Process of Employer Verification

If OneMain Financial decides to call an applicant’s employer, they will follow a standardized process to ensure accuracy and consistency. Firstly, OneMain Financial will reach out to the employer’s HR department or payroll department to confirm employment details, such as job title, salary, and length of employment. They will also request a signed authorization from the applicant, giving OneMain Financial permission to contact the employer.

In some cases, OneMain Financial may ask the employer to complete a Verification of Employment form, which will require the employer’s signature and official company seal. This is a standard process, and the form will be sent directly to the employer from OneMain Financial, ensuring that the process is confidential and secure.


In conclusion, OneMain Financial may call an applicant’s employer during the loan application process, but only with the applicant’s consent. This is a standard verification process used by many financial institutions to ensure responsible lending and protect against fraud. OneMain Financial values its customers’ privacy and will only contact an employer if absolutely necessary. So, if you’re considering taking out a loan with OneMain Financial, you can rest assured that your employer will not be contacted without your permission.


Luis Diaz Morales is a writer, researcher, editor, acknowledged expert in all things loans & credits and a respectable expert author of focused on the financial topic.