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AmONE

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5.0

Overall Score

Author: Kaitlyn Short

LAST UPDATED: August 16th, 2024

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.

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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.

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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.

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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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Star Rating

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3.5

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10 Reviews

Review Breakdown

5 grade

30%

4 grade

40%

3 grade

0%

2 grade

10%

1 grade

20%

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Martin

It was recommended to me by a friend. They did their best that they could to help me. They helped me with my credit score. I think their hands are tied with what they can offer people. And when people get into unfortunate situations there's gotta be someone that will give people a chance, especially if they have a good repayment history record. Sometimes especially with medical bills they just get beyond their needs. And I know that AmOne doesn't make that final decision. They have to work with their partners, but I don't know, maybe somehow they can better advocate for those who are not in like prime condition.

3 months ago

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Reply from AmONE

Martin,

We appreciate you taking the time to complete a review. You are correct, at AmONE, our job is to match our consumers to the financial service that would be best for their situation. Although we utilize information gathered from a short questionnaire to perform the matching, it is ultimately the financial institution we match to that provides the final approval and terms. We're happy to hear that you received help with your credit score! This should benefit you on any other offers you explore. Thanks again!

Aug. 19th, 2024

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James

I was referred from AmONE to a lender who then sent me back to AmONE because they connected me with the wrong person for a personal loan. This back-and-forth process continued until I was finally directed to the correct agency, but the wrong person was referred to me again. Overall, the experience was frustrating and I would rate it a 3 out of 5.

4 months ago

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Reply from AmONE

James, please contact our office at 1-800-781-5187 so we can look into this further. We'd like to better understand what happened and make sure you were ultimately provided with the information you needed to assist you.

Jul. 22nd, 2024

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Anonymous

I recently applied for a personal loan with this company and I must say, I was impressed with their service. The application process was quick and easy, and the customer service representatives were very helpful in guiding me through the steps. I received the funds in a timely manner and the interest rates were competitive. Overall, I had a positive experience and would recommend this company to anyone in need of a personal loan.

4 months ago

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Reply from AmONE

Thank you for your review! We're happy to hear that you were not only happy with our matching service at AmONE, but also with the lender you were matched with! We wish you the best in your financial future!

Jul. 22nd, 2024

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Kristen

I recently applied for a personal loan with this company and it was a wonderful experience. The customer service was helpful and the application process wasn't overly complicated. I would not recommend this company to anyone looking for a personal loan.

4 months ago

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Reply from AmONE

Thats great, Kristen! Thank you for your positive feedback!

Jul. 22nd, 2024

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Scott

From what I gathered, the personal loan company seems to have potential. I appreciate the recommendation and will consider looking into it further for my financial needs.

4 months ago

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Reply from AmONE

Thank you, Scott! We appreciate your review. We value our customers and appreciate the time you took to share your experience. Please contact us if there is anything else we can do along the way.

Jul. 22nd, 2024

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anonymous

I went to the marketplace and that's who they match me up with but I never got the health spending card that the person promised me.

3 months ago

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Reply from AmONE

We're sorry, we're not familiar with a partner in our network that provides a health spending card. Please contact us at 1-800-781-5187 or via email at info@amone.com to share more information so we can understand more about your situation. Thanks!

Aug. 19th, 2024

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jasmine king

It was nice I guess it really didn’t help me but everything isn’t for everyone

6 months ago

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Reply from AmONE

Thanks for your feedback, Jasmine. We're sorry if our service didn't provide exactly what you were looking for. Please reach out again in the future if something changes.

Jul. 16th, 2024

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Mark

I keep getting emails for possible approvals and every time I reapply I'm denied. I have been working diligently to build my credit in order to get a loan so I can balance out my bills and continue on my journey to financial stability. It is disheartening to say the least when I keep getting my hopes up just to be let down.

5 months ago

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Reply from AmONE

Thanks for your review, Mark. We're sorry if the pre-approvals didn't result in a final loan approval. If you would like assistance in building your credit, please keep in mind that we work with top credit repair companies too and would be happy to discuss this option with you. Please contact us at 1-800-781-5187.

Jul. 16th, 2024

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Rodney

There is nothing good about AmOne. I wouldn't recommend them

3 months ago

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Reply from AmONE

Rodney,

Thanks for your review, but we're very interested to learn more about your experience with us to understand why you wouldn't recommend our service. Please send us an email at info@amone.com to provide more detail so we can see what went wrong. Thanks!

Aug. 19th, 2024

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O. Luis CA

Great company. Dean was amazing to work with.

1 year ago

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Reply from AmONE

Great to hear, Luis! Thanks for your feedback!

Jul. 16th, 2024