About Omni Military Loans · Jacksonville
Omni Military Loans (legal entity Omni Financial of Nevada, Inc.) is a 50+ year veteran-focused consumer finance company founded in 1970 by a World War II veteran and now operating under new ownership since July 2023. The company specializes in personal loans ranging from $500 to $10,000 for active-duty service members across all six branches of the U.S. Armed Forces, career-retired military, and Department of Defense (DOD) civilian employees. Its Jacksonville, Florida branch at 2292 Mayport Road, Suite 11, near Naval Station Mayport, offers same-day funding through the Omni Debit Card and is part of a network of branches located near major U.S. military installations.
Omni Military Loans is the consumer-facing brand of Omni Financial of Nevada, Inc., a corporation that the Better Business Bureau records as having been started on November 30, 1970, and currently operating for 55+ years. The company's mission, as stated on its official site, is to deliver 'best-in-class, modern, and ethical financial solutions' to service members, and it is the only large consumer lender in the U.S. that focuses exclusively on the active-duty, career-retired, and DOD civilian market. Eligibility requires borrowers to be at least 18 years old, affiliated with one of the six armed-service branches (Army, Navy, Air Force, Marine Corps, Coast Guard, or Space Force) or DOD, and to meet standard underwriting criteria. Loan amounts from $500 to $10,000 are available, with interest rates, terms, and availability varying by state of residence, and the company emphasizes that staff 'walk you through all available options before you commit to anything.' More than half of approved loans are funded the same day via the Omni Debit Card, a feature the company highlights as critical because 'financial emergencies don't wait.' The Jacksonville, Florida location sits in Atlantic Beach/Neptune Beach just outside Naval Station Mayport at 2292 Mayport Road, Suite 11 (ZIP 32233), with branch hours Monday–Friday 9 a.m. to 6 p.m. ET and Saturday 10 a.m. to 2 p.m. ET. Walk-ins are welcome and appointments are preferred. Customers can also apply online, reach a loan specialist by calling 1-877-OMNI-USA (1-877-666-4872), or contact the Jacksonville branch directly at 904-906-6544. The website highlights a 15 Day Satisfaction Guarantee and MLA (Military Lending Act) compliance. Branch reviews on the company's own pages average 4.9 stars (e.g., 470 reviews on the Jacksonville DOD branch page, 559 on the Killeen, TX branch page, 371 on the Fayetteville, NC page). Trustpilot, by contrast, shows a 3.5 average across only 5 reviews. The parent corporation is incorporated in Nevada and is NOT currently BBB Accredited, with mixed ratings at individual local BBB chapters (A+ in Lawton, OK; F in Fayetteville, NC; Not Rated in Norfolk, VA).
- In business
- 55 (founded November 30, 1970)
- Owner
- Founded by a World War II veteran in 1970; under new ownership since July 2023 (specific new owner not publicly disclosed on the official site)
- Serves
- Nationwide U.S. for online applications; physical branches near major military installations including Jacksonville FL (Mayport), Jacksonville NC (Camp Lejeune), Norfolk VA, Hampton/Newport News VA, San Diego CA, Lakewood WA (Joint Base Lewis-McChord), Killeen TX (Fort Cavazos), Junction City KS (Fort Riley), Lawton OK (Fort Sill), Hinesville GA (Fort Stewart), Fayetteville NC (Fort Bragg), and Clarksville TN (Fort Campbell)
- Rating
- 4.9 stars across company branch pages (470 reviews on Jacksonville DOD page, 559 on Killeen TX, 371 on Fayetteville NC, 136 on another location); 3.5 on Trustpilot (5 reviews)
About Omni Military Loans
Omni Military Loans is the consumer brand of Omni Financial of Nevada, Inc., a corporation the BBB dates to November 30, 1970. According to the company's official 'About' page, it was 'founded by a World War II veteran in 1970' and has maintained a '50+ year legacy of serving the military community.' The site states that 'Under new ownership and visionary leadership since July 2023, Omni Financial is committed to serving the military community by delivering best-in-class, modern, and ethical financial solutions.' The company does not disclose the new owner's name on its public site. Omni is one of the few consumer lenders in the United States that focuses exclusively on the active-duty, career-retired, and DOD civilian market.
- Legal entity: Omni Financial of Nevada, Inc.
- Founded: November 30, 1970 (55+ years in business per BBB)
- New ownership: July 2023
- Headquarters: Las Vegas, NV area (BBB contact address)
- Branches: 12+ physical locations near U.S. military bases
Who Omni Serves
Omni's core market is U.S. military-affiliated borrowers. The official site states: 'Omni Financial serves active duty service members from all six branches of the U.S. Armed Forces — Army, Navy, Air Force, Marine Corps, Coast Guard, and Space Force — as well as career-retired military and DOD personnel.' Borrowers must be at least 18 years old and meet standard underwriting criteria; loan amounts and terms vary by state of residence. The DOD civilian employee segment is addressed on a dedicated page at omnimilitaryloans.com/dod/.
- Active-duty Army
- Active-duty Navy
- Active-duty Air Force
- Active-duty Marine Corps
- Active-duty Coast Guard
- Active-duty Space Force
- Career-retired military
- DOD civilian employees
Loan Products & Terms
Omni offers a single core product — a personal consumer loan — with borrowing limits from $500 to $10,000. The official site emphasizes: 'Our team will walk you through all available options before you commit to anything — no surprises, no fine print.' Loan amounts, interest rates, and repayment terms are set per borrower based on individual profile and state of residence. The company markets itself as MLA (Military Lending Act) compliant, an important regulatory framework that caps interest rates and fees for active-duty service members and their dependents.
- Minimum loan: $500
- Maximum loan: $10,000
- MLA compliant terms
- 15 Day Satisfaction Guarantee
- Eligibility: 18+ and standard underwriting
Same-Day Funding with the Omni Debit Card
Speed of funding is Omni's most advertised feature. The site states: 'Over half of approved loans are funded the same day via Omni Debit Card. Once your application is approved, you choose your funding method and can have access to your money within hours.' The debit card is issued to approved borrowers and acts as the default disbursement vehicle. The site frames this around the nature of military financial emergencies, noting 'Because financial emergencies don't wait, neither do we.'
- Omni Debit Card for funded loans
- Same-day funding on majority of approved loans
- Alternative funding options available post-approval
Jacksonville, FL Branch (Mayport)
The Jacksonville, Florida location serves service members assigned to Naval Station Mayport and the surrounding coastal military community. Its physical address is 2292 Mayport Road, Suite 11, Jacksonville, FL 32233, situated in the Atlantic Beach / Neptune Beach corridor east of the naval base. The branch is open Monday through Friday from 9 a.m. to 6 p.m. ET and Saturday from 10 a.m. to 2 p.m. ET. Walk-ins are welcome and appointments are preferred; the branch phone line is 904-906-6544. A dedicated landing page (omnimilitaryloans.com/qr-code-mayport/) acts as a QR-code entry point for in-base traffic.
- Address: 2292 Mayport Road, Suite 11, Jacksonville, FL 32233
- Phone: 904-906-6544
- Hours: Mon–Fri 9 a.m.–6 p.m. ET, Sat 10 a.m.–2 p.m. ET
- Walk-ins welcome, appointments preferred
- Serves Naval Station Mayport personnel
Other Branch Locations
In addition to the Jacksonville FL branch, Omni maintains physical offices near other major U.S. military installations, each with the same Mon–Fri 9 a.m.–6 p.m. and Sat 10 a.m.–2 p.m. pattern in their local time zone.
- Jacksonville, NC — 175 Freedom Way #5 (Camp Lejeune) — 910-### branch
- Norfolk, VA — 131 W. Little Creek Rd (Naval Station Norfolk) — 757-583-6664
- Newport News, VA — 12638 Jefferson Ave unit 24
- Hinesville, GA — 230 W. General Screven Way (Fort Stewart)
- San Diego, CA — 2850 Main St, Suite G (Naval Base San Diego)
- Lakewood, WA — 11013 Bridgeport Way SW (Joint Base Lewis-McChord)
- Killeen, TX — 914A W. Rancier Ave (Fort Cavazos) — 254-554-2444
- Junction City, KS — 120 Grant Ave (Fort Riley) — 785-762-7002
- Lawton, OK — 1416 NW Sheridan Rd (Fort Sill) — 580-357-6664
- Fayetteville, NC — (Fort Bragg)
- Clarksville, TN — 3095 Fort Campbell Blvd #A
Applying — Online, by Phone, or In Branch
Customers have three entry points. The fastest is the online application: 'Submit a quick, secure application in minutes' via the homepage. The phone channel routes through 1-877-OMNI-USA (1-877-666-4872), with loan specialists available Monday–Friday 5 a.m.–9 p.m. PT and Saturday 5 a.m.–7 p.m. PT. The third option is in-person service at any of the branches. The Contact Us page also lists an email channel (messages monitored during business hours) and notes that walk-ins are welcome at all four of the four branches initially listed, though the company now operates more than four branches.
- Online application via omnimilitaryloans.com
- Phone: 1-877-OMNI-USA (1-877-666-4872)
- In-person at any branch
- Email (monitored during business hours)
Reviews & Reputation
Reputation is mixed across review platforms. On Omni's own branch pages, ratings consistently read 4.9 stars: the Jacksonville DOD page shows 'Based on 470 reviews,' Killeen TX shows 'Based on 559 reviews,' Fayetteville NC shows 'Based on 371 reviews,' and another location shows 'Based on 136 reviews.' Third-party Trustpilot shows a 3.5 average across only 5 reviews, with complaints about interest rates, communication delays, and account denials, alongside positive notes about loan approval when other lenders (including credit unions) decline. The Better Business Bureau lists the parent corporation across multiple local chapters with divergent outcomes: an A+ rating in Lawton, OK; an F in Fayetteville, NC (driven by 11 complaints and 6 unanswered complaints); and 'Not Rated' in Norfolk, VA. The company is NOT BBB Accredited at any chapter reviewed.
- On-site branch reviews: 4.9/5 average
- Trustpilot: 3.5/5 (5 reviews)
- BBB Lawton OK: A+
- BBB Fayetteville NC: F
- BBB Norfolk VA: Not Rated
- Not BBB Accredited
Corporate & Regulatory Details
Omni Financial of Nevada, Inc. is registered as a Corporation. The BBB Norfolk VA chapter file was opened 11/1/2003 (business incorporated 4/1/2006); the Fayetteville NC chapter file was opened 2/16/2005 (business started locally 11/30/1970); the Lawton OK chapter file was opened 5/23/2014. The company's loan products are positioned as MLA (Military Lending Act) compliant, a federal framework that limits the cost of consumer credit to active-duty service members and their dependents.
- Entity type: Corporation
- State of incorporation: Nevada
- Federal compliance: MLA (Military Lending Act)
- BBB file histories across Norfolk VA, Fayetteville NC, and Lawton OK