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LAST UPDATED: April 2nd, 2024

AmONE is a loan matching service available to users across the United States, providing loans up to $100,000 with a loan term ranging from 12 to 84 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
  • 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. 

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.


The Bad

  • Limited AmONE Reviews

Limited AmONE Reviews

Currently, AmONE reviews on are limited, 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 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; 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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O. Luis CA

Great company. Dean was amazing to work with.

11 months ago