Please see more information in the Payoff Demand Instructions. Generally, you will have from 10 to 25 years to repay your loan, depending on which repayment plan you choose.Processing occurs between 5 and 20 days into the loan process. Voya's online loan modeling program allows you to view various loan amounts and repayment schedules prior to applying for a Plan loan. OneMain wants to make your loan process as easy as possible. The first step is to get in touch with your lender or loan servicer. You can find their contact information on your monthly statements. You can get loan payoff and refinancing information here. You can also contact the City at 408-975-4466 with any questions. The online application is quick and straightforward, often taking just minutes to complete.