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LAST UPDATED: August 4th, 2020

AmOne, founded in 1999, is an online financial solutions company that matches borrowers with loan programs that meet their needs, including personal loans, credit cards, debt consolidation loans, debt management, and debt relief. 

Consumers and small business owners can start the process by calling AmOne or filling out an online form within minutes. Then AmOne matches borrowers with a list of financial solutions from its nationwide network of lenders, providing them a dedicated loan matching specialist who can offer additional information and possibly even additional solutions. After consumers receive financial recommendations from AmOne, they provide the company feedback on the results, which is then used to improve future recommendations.

AmOne’s services are free and secure.


The Good

  • Industry Experience
  • Free Service
  • Customer Service
  • AmOne Cares

Industry Experience

AmOne was founded in 1999, giving the company more than 20 years of experience in the industry. While many debt relief companies are less than five years old, AmOne has more than two decades of experience matching consumers with financial solutions. Its matching service has resulted in more than $4 billion in loan approvals.

Free Service

From access to its nationwide network of lenders to answers from its dedicated loan matching specialists, finding a financial solution through AmOne is completely free. 

AmOne even offers a number of free financial calculators to help consumers: an auto loan calculator, an installment loan calculator, a credit card payoff calculator, and a mortgage calculator.

Customer Service

AmOne promises quick responses to any questions from those who use its service. 

Consumers can reach AmOne by phone Monday through Friday from 9 a.m. to 9 p.m. Eastern time, and from 9 a.m. to 5:30 p.m. on Saturdays. While many debt relief companies are only open during regular business hours on weekdays, AmOne offers greater convenience and flexibility with expanded evening and weekend hours.

Additionally, consumers who use AmOne are paired with a dedicated loan matching specialist who’s available to provide greater detail on proposed financial solutions and answer questions, even after the consumer has chosen a solution.

AmOne Cares

AmOne uses its resources to support a number of community initiatives, including the following:

  • National Cyber Security Alliance’s Data Privacy Day — educates individuals and companies about protecting their data and privacy
  • America Saves Week — promotes saving money and helps consumers create a savings plan
  • American Cancer Society’s Relay for Life  — recognizes cancer survivors and caregivers and raises funds

The Bad

  • Not a Lender

Not a Lender

AmOne connects borrowers with financial solutions that can meet their needs; the company does not directly provide debt relief services itself. While using AmOne can save borrowers time during their research process by compiling solutions for them, it could also add time to their search if they already have a good idea of the financial solution they’re looking for.


The Bottom Line

AmOne is a free online service that matches consumers and small business owners with financial solutions such as personal loans, debt consolidation loans, debt relief, debt management, and credit cards. Founded in 1999, the company has far more experience than the average debt relief company, and it uses that experience to fine-tune the recommendations it provides to borrowers.

AmOne prides itself on customer service, promising fast responses to questions. The company offers a wider range of availability than many other debt relief companies, with weekday hours extending until 9 p.m. Eastern time, and availability from 9 a.m. to 5:30 p.m. on Saturdays. These longer-than-normal hours provide more options for potential customers, especially those who work during regular business hours. Additionally, AmOne’s dedicated loan matching specialists provide personalized answers and solutions to borrowers throughout the process, including after borrowers choose a financial solution. 

All of AmOne’s services, from loan matching to specialized advice to financial calculators, are completely free.

Furthermore, AmOne uses its resources to support causes such as cancer research and cyber security.

While AmOne matches borrowers with solutions for their financial needs, it doesn’t directly provide loans, debt relief, or credit cards. On the one hand, AmOne’s services can help borrowers with the research process, gathering highly rated lenders from around the country for their consideration. On the other hand, borrowers who need to start the lending process quickly may want to skip this step and work directly with a debt relief provider first. 

We recommend AmOne for consumers who need a debt relief solution and don’t know where to start.

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