Military Family Support

The Servicemembers Civil Relief Act benefits

For customers of OneMain Financial, Foursight Capital and BrightWay® credit cards

Protecting you as you protect us. Thank you for your service.

The purpose of the Servicemembers Civil Relief Act (SC RA) is to allow active duty servicemembers to fully dedicate their time and energy to defending the United States and protecting our brave men and women.

We are committed to ensuring that all eligible servicemembers and their dependents receive SCRA benefits. The SCRA provides protection and relief to OneMain, Foursight and BrightWay customers who enter active military service. See below for more information about who is eligible for benefits.

How to request SCRA benefits

Click the link below to fill out a request form. Provide all the details requested and any additional information that would be beneficial for the SCRA Specialist to know. Additionally, you may attach supporting documentation including, but not limited to:

  • Activation orders
  • Enlistment documentation
  • Commanding officer letters
  • Discharge papers (DD 214)
  • Power of attorney forms

To ensure you receive the benefits to which you may be entitled, please submit your request anytime from the date you receive your orders to 180 days after discharge from active duty. If you have a mortgage serviced by OneMain, you may request benefits for up to one year after your discharge.

Request Benefits

Eligible servicemembers

If you are serving on active duty, you may be eligible for SCRA benefits concerning your loan and/or credit card account.

SCRA benefits apply to:

  • Active duty members of the Army, Navy, Air Force, Marine Corps, Coast Guard or Space Force
  • Army, Navy, Air Force, Marine Corps or Coast Guard reservists called up for active duty
  • Commissioned officers of the National Oceanic & Atmospheric Administration (NOAA) on active service
  • Commissioned officers of the Public Health Service on active service
  • National Guard members who are called to active service for more than 30 consecutive days when authorized by the President or the Secretary of Defense. (Some state laws provide similar benefits for National Guard members called to active duty under state-issued orders.)

Some benefits and protections may also extend to dependents of the active duty service member.

If you are serving on active duty, you may be eligible for SCRA benefits concerning your OneMain account.

Eligible products

SCRA benefits apply to (but are not limited to):

  • Personal installment loans
  • Auto loans
  • Mortgage loans
  • Home equity lines of credit
  • Credit cards

Available benefits

SCRA benefits may include (but are not limited to):

  • Repossession protections
  • Foreclosure protections
  • Judgment protections
  • Eviction protections
  • Interest rate caps

Some of the SCRA’s benefits-such as the 6% interest rate cap and protections from non-judicial repossession and foreclosure—are available to servicemembers who entered active duty after the date the loan originated.

Other benefits—such as protections against default judgment and protections against eviction—apply to all active duty servicemembers regardless of when the loan originated.

The Military Way

We understand that the military way of life is a challenging and unique balance of serving your country while providing for and protecting your loved ones.

Multiple resources, including information on a wide range of military life concerns and deployment, are available for you to ease your burden while serving.

Assistance from A to Z

Military OneSource is a Department of Defense-funded program that provides you, and your family, with a wealth of information and resources.

Money management, face-to-face counseling, adoption assistance, special needs, volunteer opportunities, and parenting tips are just a few of the excellent resources available to you.

Avoid payment complications in the future

Fill out the form at the link below to request benefits. If you have any questions, call an SCRA Specialist at (844)859-1878.

Request benefits

Frequently asked questions