Expert Review

Customer Reviews

AmOne Review

30 reviews

In a Nutshell

AmOne, an established marketplace lender, offers a variety of loan options with good terms and rates through its network of lenders. After comparing available options that suit their specific needs customers can apply for a tailor-made loan for free.

pros

  • Range of loan terms and amounts
  • Network of lenders offering good deals

cons

  • Lack of customer support channels
  • Not enough information on rates and terms

AmOne AmOne Visit Site

AmOne at a Glance

Loan types
Unsecured personal loans
Loan amount
$1,000 to $50,000
Repayment Terms
24 to 84 months
APR
3.99% - 35.99%
Minimum credit score
None
Best for
Customers seeking to compare various loan offers
Direct lender or marketplace
Marketplace

Overview

Founded in 2005, AmOne ihelps customers find financing solutions. While it does not originate loans, it has helped customers access over $16 billion in funds since its establishment, all free of charge. It provides a simple application that connects you to a network of lenders, while letting you find tailored lending solutions.

Best For?

AmOne is ideal is ideal if you’re looking to finance projects that require quick funds to be repaid later. It doesn’t limit the purpose of loans you can apply for and it's a great option if you prefer to evaluate your options carefully before getting a loan. AmOne works with a community of established loan providers, and the simple application is a great way to shop around without having to visit every single lender individually.

Loan Features

While AmOne is not directly a lender, its loan partners work with borrowers with a wide range of credit scores and qualifications. If you are working to improve your creditworthiness you can find a loan even when other providers may turn you down. AmOne doesn’t charge fees for services, letting you complete your loan application without an obligation to accept any terms offered by its partners. It also offers a host of educational resources including articles and guides on personal loans, the basics of financing and budgets.

Highlights for AmOne

  • Network of reliable loan providers
  • Range of loan amounts and terms available
  • No charges for applying or finding a loan
  • Single application for preapproval and matching
  • Compare different offers in a single location
  • Educational resources for prospective borrowers
  • Borrowers with all credit backgrounds welcome to apply
  • Flexible loan purposes

Application Process

Applying for a loan with AmOne is a streamlined process. To get started, you fill out a single form to receive pre approval. This initial step asks for basic information including contact details, financial history, and specifics relating to employment. You’ll be asked to provide:

  • Employment status
  • Annual income
  • Date of birth
  • Contact information such as phone number and email
  • Zip code and basic geographic information

In order to qualify you need to meet the following requirements:

  • Be a US citizen or legal permanent resident
  • Be 18 years or older
  • Have a verifiable bank account
  • Have a steady source of income
  • Additionally, you may be required to present more information and meet further qualifications by the loan provider you eventually choose to work with.

Once the application process is complete, you’ll be matched with several potential lenders to effectively compare your options side-by-side. When you agree to terms with a provider, you’ll complete the application process directly with the selected lender. It is important to note that at this step AmOne will no longer be involved in the approval process as it only works to connect lenders to prospective borrowers.

Loan Terms

Unlike many direct lenders, one of the best things about AmOne is that it gives customers choices. It does not originate its own loans, but it does have a network of reliable lenders who specialize in a variety of fields, from medical loans to auto repair. Thanks to this strong network, you can find a loan that is tailored to your needs while benefiting from competitive rates due to the number of available alternatives. When you receive approval through AmOne, you are immediately matched with several prospective lenders who will extend potential offers. 

Some of the higher loan amounts offered are only available to customers with excellent credit, but the company’s partners offer a wide enough range that any borrower can find a useful loan with little trouble.

Repayment Terms

You can choose from a range of available loan terms and amounts with AmOne’ partners. The lender network offers loan terms that start as low as 24 months and go up to 84 months. Additionally, you can request as little as $1,000 or as much as $50,000. It is important to note that not all lenders in the network offer the same terms, and that loan specifics are always determined by the loan provider once you’ve accepted a term sheet.  

Privacy & Security

AmOne is transparent about what personal data it collects and what it’s used for. Furthermore, it doesn’t share information with any unauthorized third parties outside of its service partners. It does collect some non-identifiable information to improve services, but all information transmitted to the online site is secured using industry-standard safety measures and encryption protocols.

Help & Support

Getting in touch with AmOne is as simple as filling out an email ticket on the website. There is no option to call or live chat, but email queries are usually answered in as little as one business day.

How AmOne Compares


AmOne
Credible
Even Financial
APR
3.99% - 35.99%
 3.49%-35.99%
4.99% - 35.99%
Minimum credit score
none
680
580
Loan amounts
$1,000-$50,000
$1,000-$100,000
$1,000-$100,000
Loan term
24-84 months
24-84 months
24-84 months
Best for
Comparing a variety of loan options
Debt consolidation
Poor-credit borrowers

While AmOne and Credible offer very similar APR and loan terms ranges, AmOne pulls ahead due to the fact that there is no minimum credit score and it lets you compare offers from a variety of different lenders. 

When compared with Even Financial, AmOne can't compete with the low maximum APR, but it's flexible loan terms and no minimum credit score make it a viable option for a larger range of borrowers. 

FAQs

How much can I borrow?

You can apply for a loan for up to $50,000 with rates from 3.99%. Instead of waiting on a long, tedious process, you can get your funds in as little as 1 day from approval.

What can I use my loan for?

AmOne doesn’t impose any restrictions on how you use your loan, which means you can use it for anything from debt consolidation, credit card consolidation, home improvements or even in an emergency. 

What credit score do I need to apply?

You don't need to have perfect credit to get a personal loan from AmOne. Instead of going from lender to lender to find something you qualify for, you can let AmOne find the best offers for you and your particular circumstances.

Is AmOne legitimate?

Yes! It is a well-known name in the personal loans industry and has helped its customers gain access to over $16 billion in funds since it was founded. 

Summary

AmOne offers a variety of loan options through its network of lenders with good terms and amounts. You can find the right loan for your needs after comparing available options instead of having to settle on a loan that doesn’t work for you. Thanks to a marketplace that encourages competition and gives you the upper hand in closing loan terms, AmOne offers free service with transparent and reliable results.

AmOne AmOne Visit Site

Physical Address

AmOne

950 Tower Lane, 6th floor

Foster City, CA

94404

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AmOne customer reviews

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06 Jul 2020

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Top reviews

M***y, WA
6 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Because they are great. They are very helpful and understand my needs to the point. I always referred them to my family who needed a loan.

A**x, PA
6 months ago

They are a top financial provider. I count on them to help me when I was in need, and I was able to get a loan.

C******y, TX
6 months ago

They really help u get the money you need I would recommend them to everyone if u want a good loan go to am one

R****l, FL
8 months ago

Because I was able to pay back my loan I was in depth and had school expenses. Now I am expense free. I just have student loans to pay back and a medical expense.

P***e, NC
5 months ago

Great loan company, website is in need updated and more user friendly too. I would like updates on account information to be completed faster/

S***h, NY
5 months ago

Website was easy to use, friendly customer service. They explained loan options very well and they were to the point.

D**i, CO
7 months ago

I am pretty happy over all with the service I receive. My payments are a little higher than I wanted.

N***y, NJ
5 months ago

I did not find the loan application process too difficult. I was able to received assistance.

T*****a, WA
8 months ago

They were patient with me and handled any questions or concerns. They always handled any complaints I had which I only ever had one.

S*y, TX
5 months ago

I am overwhelmed with the kindness they gave me. They were quick on their process. It was overall a good experience

B***e, IL
8 months ago

Some of the things they did di not make sense to us. We were working with a loan officer and he would loose track of what we required.

F****a, PA
9 months ago

Didn't approve me after saying I was pre-approved, have a low score.. also get many calls from company.

N***D, ME
9 months ago

They are hard to understand and its confusing if you get the loan or not. I kept on getting sent to another website.

C**i, VA
5 months ago

The rates were high and I got a lot of spam emails, plus the pay day loan offers do not help anyone

K*****l, FL
4 months ago

Some of the representatives I've talked to are rude and sure didn't try to help me in the slightest bit.

C****e, OK
6 months ago

Great service to obtain financial help and support, the reps are friendly and not too difficult to apply.

J***s, NC
8 months ago

Because the ease of use and the value of money. Which not many services provide for you in some cases.

S****a, MN
9 months ago

Not honest company. Says one thing, but once you reach customer service everything is different.

A***e, NC
4 months ago

AmOne is frustrating to deal with and they will never stop sending you emails, EVEN after you have already accepted a loan from them. They keep sending you SPAM that invites you to reapply for a loan. I do like that you can do the loan application online, but be prepared for your phone to blow up for the next three months. Also, they are hard to get in contact with if it is YOU calling THEM. Otherwise, you can't get rid of them. The interest rate on these personal loans is stupid high, and it isn't a very good deal unless it is an emergency and you ABSOLUTELY have no other option.

J*n, MT
8 months ago

I didn't really dislike much about it about the loan service. It was a good website and I liked that I had support.

30 reviews