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LAST UPDATED: March 19th, 2021

AmOne is a loan matching service available to users across the United States, providing loans from $1,000-$50,000 with a loan term ranging from 12 to 60 months. 

The lending marketplace provides individuals and small businesses with multiple lenders to choose from based on their personal financial information. AmOne then helps borrowers navigate, compare, and choose between multiple personal loan and debt consolidation loan options.

Anyone can use the service and complete an application online or over the phone. AmOne does not have a disclosed minimum credit score requirement, providing a good personal loan option for individuals with no credit, bad credit, and, of course, good or excellent credit.

AmOne will match you with potential lenders once you fill out an application. However, not every applicant may be matched, based on their credit history, income, and other financial variables.

Keep reading for pros and cons of applying for a loan through this matching service.

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The Good

  • Lending Marketplace
  • All Credit Scores Accepted
  • Assigned to a Representative
  • Debt Consolidation Loans
  • Cosigners Accepted
  • Phone Service
  • All States Serviced

Lending Marketplace

AmOne is not a direct lender. Instead, as a lending marketplace, AmOne takes a borrower's provided information and matches them with multiple lenders in its network.

Lending 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. It is important to note that although AmOne can connect borrowers of all credit levels with reputable lenders, interest rates will be higher for subprime borrowers.

Additionally, being matched with various lenders provides potential borrowers with increased secured personal loans and unsecured personal loans options, which they can compare based on their financial needs.

All Credit Scores Accepted

No matter your FICO score, you can see what you qualify for without affecting your credit score. 

The basic pre-approval process doesn't require a hard credit check, so anyone in the 50 states can check out what options are available through AmOne's marketplace, without negative consequences. 

Assigned to a Representative

Once they apply, 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 personal loan process.

Debt Consolidation Loans

AmOne's debt consolidation services are a great option for those looking to consolidate credit card debt or other types of debt.

Based on your personal information, AmOne will match you with a list of potential lenders. It is important to note that the AmOne loan amount for debt consolidation varies from that offered for personal loans. The minimum amount is higher at $2,000, but the maximum amount is the same at $50,000.

Read more about AmOne's debt relief services.

Cosigners Accepted

Through AmOne's website, you can apply with a cosigner, if you wish, increasing chances of approval and receiving loan offers with lower rates. 

However, because AmOne provides multiple lender options to a borrower, a cosigner may not prove to be beneficial if a specific lender does not accept them. Many lenders have stipulations regarding joint applications, so this may cut out possible lender matches if you initially apply with a cosigner. 

Phone Service

One of AmOne's greatest benefits is that a borrower can call at any time and receive personalized assistance. It is important to note that AmOne's phone service hours are Monday through Friday 9 a.m. to 9 p.m. and Saturdays from 9 a.m. to 5 p.m. EST. It is especially helpful that AmOne's weekly business hours extend beyond the usual 9 a.m. to 5 p.m. to which many businesses adhere.

All States Serviced

AmOne provides personal loans service in all 50 states. However, some lenders in its network may not serve all states, but AmOne will try to find a great lending match for you.

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The Bad

  • Interest Rates
  • No Customer Reviews

Interest Rates

When it comes to rates, AmOne users were matched with offers starting at 6.78 percent APR. However, these rates are reserved for well-qualified applicants. If you have bad credit, no credit, or even middling credit, your rates will likely be higher.

An interest rate of 6.78 percent APR is relatively high compared to other companies in the personal loan industry, which will result in a higher monthly payment throughout a loan's term. If you have a good credit score, an AmOne personal loan will likely not be the best option for you, as you would be able to get lower rates with a different lending company.

No Customer Reviews

Currently, there are no AmOne reviews on BestCompany.com. Thus making it difficult to know if AmOne is a good company to do business with, especially from the customer point of view.

If you have 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 them.

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The Bottom Line

As great as this website is, it is hard to comment on possible outcomes because it will depend on the lender that accepts you. 

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; however, make sure that you are comparison shopping with any loan offers you get from AmOne. It doesn't partner with every personal loan lender in the country, so there may be better options outside of its network.

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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