Omni Financial Military Loans: Phone, Rates, and the 2020 CFPB Order

Omni Financial is a Nevada installment lender that has made military loans for decades under two names, Omni Financial and Omni Military Loans. Its loans run $500 to $10,000 over 6 to 36 months, and its site states that no Omni loan exceeds a 36% Military Annual Percentage Rate (read October 9, 2026). Start with the address. The company’s live site is omnimilitaryloans.com. The older omnifinancial.com served a domain-parking page when checked on October 9, 2026. Do not type an LES or Social Security number into anything that is not the live site.

Which Omni phone number to dial

Omni’s contact page and FAQ both list 1-877-OMNI-USA, which is 1-877-666-4872. Hours are Monday to Friday 5 AM to 9 PM Pacific and Saturday 5 AM to 7 PM Pacific. The FAQ also gives +1 914 297 6107. Other numbers on the same site conflict. The contact page’s own FAQ block prints “1-800-OMNI-USA (1-800-664-5626),” and those digits do not spell OMNI-USA. The FAQ pairs 1-877-OMNI-USA with (914) 274-4570. The BBB profile lists (800) 798-6664. Dial the 877 number first.

From overseas, the contact page lists Germany (0800 937 5626), Italy and Belgium (00800 937 56267), Japan (012 099 8513), Korea (003 0813 2055), and +1 702 437 6057 for Europe. The FAQ’s overseas list differs: one Japan and Korea number (010 800 5626 7937) and +1 931 802 6522 for the rest of Europe. If one fails, try the other. Mailed payments go to Omni Financial, P.O. Box 81844, Las Vegas, NV 89180-1844, with your account number on the check.

Omni’s branch locator lists 15 offices: San Diego; Norfolk and Newport News, Virginia; Lakewood, Washington; Killeen and El Paso, Texas; Lawton, Oklahoma; Junction City, Kansas; Colorado Springs; Clarksville, Tennessee; Fayetteville and Jacksonville, North Carolina; Jacksonville, Florida; and Hinesville and Columbus, Georgia. Lakewood is marked service only, with no loan applications taken. The contact page still says “all four of our branch locations,” so call the office before you drive.

What Omni charges, in its own published terms

The posted example does not compute. Omni’s footer describes a $2,500 loan over 24 monthly installments at a 24.99% APR with “monthly payments of approximately $116.75, with a total repayment amount of approximately $2,802.00.” Do the math. A 24.99% APR is 2.0825% a month (24.99 divided by 12). The standard loan payment formula on $2,500 over 24 months at that rate gives $133.42 a month, about $3,202 in total, or about $702 in finance charges. A $116.75 payment on those terms implies an APR near 11.2%. One of the two numbers is off, and the page does not say which. Your contract’s Truth in Lending box is the only figure that binds Omni.

Put the 24.99% math next to the alternatives. The same $2,500 at the full 36% MLA ceiling costs $147.62 a month and about $1,043 in finance charges over 24 months (how the MAPR is counted). From Army Emergency Relief, where the installation AER officer can approve up to $4,000 at 0% (AER loan guide), it costs $2,500 flat.

Who Omni lends to, and its MLA-for-everyone election

Omni accepts applications from active duty in all six branches, including Space Force; Active Guard and Reserve members on Title 10 or Title 32 orders; career retirees with 20 or more years; and Department of Defense employees. You must be 18. Other civilians do not qualify.

The unusual line is in the FAQ. Omni says that since March 5, 2020 it treats every customer “the same as covered members,” and that it does not verify military status. By law, MLA protection attaches only to someone on active duty, or a covered dependent, at signing (who is covered). Omni’s election extends the same terms to retirees and DoD civilians as company policy. If that is you, ask that your loan agreement say so.

On credit, Omni publishes no minimum score. It says bad credit is not a bar, that it weighs “your full financial picture,” and that pre-qualification uses a soft inquiry. Its website terms carry an arbitration agreement and class action waiver with a stated carve-out: it does not apply to MLA covered borrowers, which is what 32 CFR 232.8(c) requires for covered credit. The carve-out names covered borrowers only, so a retiree or civilian should ask whether the treat-everyone-as-covered policy reaches it.

The 2020 CFPB order, in plain numbers

On December 30, 2020 the CFPB filed a consent order against Omni Financial of Nevada, Inc. (File No. 2020-BCFP-0028). The Bureau’s findings:

• About 90% of Omni’s loans went to covered servicemembers.
• Omni employees told those borrowers that to get the loan they had to repay by allotment, and 99% of them did.
• Every borrower had to give bank account details and sign a contract letting Omni draft that account after a missed payment, which the Bureau found violated the Electronic Fund Transfer Act.

The order required Omni to pay a $2,175,000 civil money penalty. Omni consented without admitting or denying the findings. The order also required a separate signed allotment form stating that allotment is optional and that the borrower may change repayment method at any time, banned rewarding staff for allotment sign-ups, and required a statement each billing cycle showing balance, payments, and fees. It was set to terminate five years after it took effect. The CFPB now lists its status as “Expired/Terminated/Dismissed.” It began mailing Civil Penalty Fund checks to eligible borrowers in February 2022 and lists the distribution as February 2022 to December 2023.

Today Omni’s FAQ lists online, check, money order, bank draft, in-branch, or allotment. Its loan pages describe the allotment as a fixed amount sent each pay period to your Omni account through myPay or a DD Form 2558. Read the restart steps with care: the FAQ’s steps for restarting an allotment go to myPay’s “Direct Deposit” screen, while its loan pages describe setting up an allotment. Ask Omni which one you are changing before you touch it (how allotments work).

The public record on October 9, 2026

• Licenses: NMLS #1657851. Omni’s notice pages list a Nevada installment loan license (IL11169) first issued June 24, 1991, Texas license 162357, Virginia CFI-176, and a New Mexico small loan license, each with its regulator’s contact. The NMLS Consumer Access record sits behind a human-verification page and was not read.
• BBB: rated A+, not accredited, business start listed as 1970.
• Federal enforcement: the 2020 CFPB order is the only action naming Omni found in the CFPB database. A justice.gov site search for “Omni Financial” returned no results.

What happens to a contract that breaks the MLA is on the violations and enforcement page.

Before you sign with Omni

1. Call your relief society first. Navy-Marine Corps Relief Society, AER, AFAS, and Coast Guard Mutual Assistance lend at 0% (compare them).
2. Apply only at omnimilitaryloans.com or by phone at 1-877-666-4872. The old omnifinancial.com is a parked domain.
3. On the offer, find the APR, finance charge, and total of payments. Check that the payment matches the APR before you sign.
4. Pick your repayment method. If anyone says an allotment is required, decline and cite 32 CFR 232.8(g).
5. Found cheaper money? Return the proceeds within 15 days, or 30 days on certain North Carolina loans.
6. If your account is overpaid, ask for the refund by mail, which Omni does for free, instead of the $7 direct deposit.
7. For a dispute, use the regulator listed on Omni’s notice page for your state, then the CFPB complaint portal.

If you already owe a loan above the cap, the exits are in getting out of a payday or title loan. This page is general education, not financial advice. Omni’s terms were read on its own site on October 9, 2026 and can change.

The law behind this: 10 U.S.C. § 987(e)(6) and 32 C.F.R. § 232.8(g)

No creditor may require an allotment as a condition of covered consumer credit: read the statute.