AmONE
3.5
5.0
Overall Score
Author: Kaitlyn Short
AmONE is a personal loan and financial product marketplace. For the past 25 years, the company has been helping consumers across the U.S. get matched to their best personalized financial options for their situation.
Once a consumer completes a simple online form, they receive their options via email. In some situations, the consumer may receive a phone call from an AmONE representative to help guide them through their options.
AmONE’s service is risk free. There are no fees involved to get matched, nor is a minimum credit score or hard credit pull required. That means consumers can get access to preliminary options at no charge without negatively impacting their credit score.
Striving to be the number one financial product marketplace in the country, AmONE serves their consumers with the highest level of character and integrity. By providing immediate solutions to millions of consumers each year, AmONE helps those in search of monetary relief achieve their financial goals.
Top Ranked Companies
The Good
- Financial Matching Marketplace
- Free Service
- All Credit Scores Accepted
- Assigned to a Representative
- Phone Service
- All States Serviced
Financial Matching Marketplace
AmONE is not a direct lender or financial provider. Instead, as a lending and financial product marketplace, AmONE takes a consumer’s provided information and matches it with multiple lenders and other financial institutions in its network.
Lending and financial product marketplace companies are a great option for those who may have low or bad credit, as most direct lending companies require a good to excellent credit score for approval. However, it's important to note that although AmONE can connect consumers of all credit levels with reputable lenders, interest rates may be higher for subprime borrowers.
Additionally, being matched with various lenders and other alternative solutions provides consumers with increased visibility in which they can compare options based on their unique financial needs.
Free Service
From access to its nationwide network of lenders and other financial institutions 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 on its website to help consumers: an auto loan calculator, an installment loan calculator, a credit card payoff calculator, and a mortgage calculator.
All Credit Scores Accepted
No matter your FICO score, you can see what you qualify for without negatively affecting your credit score.
The basic pre-approval process doesn't require a hard credit check, so anyone in the 50 states and Washington D.C. can check out what options are available through AmONE's marketplace without negative consequences.
Assigned to a Representative
Once they apply, certain customers get assigned to an AmONE representative to take an in-depth look at their financial situation and goals. This service goes the extra mile, providing individual assistance throughout the financial matching process.
Phone Service
One of AmONE's greatest benefits is that a consumer can call at any time during normal business hours and receive personalized assistance. It is important to note that AmONE's phone service hours are Monday through Friday 8:30 a.m. to 8:30 p.m. EST and Saturdays from 9:00 a.m. to 5:30 p.m. It is especially helpful that AmONE's weekly business hours extend beyond the traditional 9:00 a.m. to 5:00 p.m. business hours.
After hours, AmONE can be reached via email.
All States Serviced
AmONE provides financial matching service in all 50 states, including Washington D.C.
Some financial institutions in the company's network may not serve all states. However, AmONE will find a great match for you that services the state you reside in.
The Bad
- Limited AmONE Reviews
Limited AmONE Reviews
Currently, AmONE reviews on BestCompany.com are limited. If you've worked with AmONE for your personal loan needs, please consider leaving a review, to help future potential customers know if AmONE is the best choice for their personal loan needs.
The Bottom Line
AmONE offers a wide variety of credit and debt management options and works with consumers of all credit types. Many, especially those who like to talk to an actual representative, will find AmONE a great resource when it comes to shopping for personal loans and other financial products.
AmOne prides itself on customer service, promising fast responses to questions. The company offers a wider range of availability than many other similar companies, with weekday hours extending until 8:30 p.m. EST, and availability from 8:30 a.m. to 5:30 p.m. EST 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 Matching Specialists provide personalized answers and solutions to consumer throughout the process.
All of AmONE’s services, from matching to specialized solutions to financial calculators, are completely free.
For consumers who need a financial solution and don’t know where to start or have been declined by other financial institutions, AmONE could be a great choice for your financial needs.
Have you used AmONE to research and apply for a personal loan? Would you recommend it to a friend or colleague? What was the best/worst part? Let us know about your experience, positive or negative, with a quick review below.
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anonymous
8 months ago
Reply from AmONE
Aug. 19th, 2024
