AmOne Review 2021: Why AmOne Might be the Best Option for Loans

Even the strongest budgeter can get into money shortages. When you are in a financial jam, it’s good to know that you have the options to get out. Good a thing, there are services like AmOne.

AmOne Review 2020: Why AmOne Might be the Best Option for Loans

AmOne is neither a bank nor a lender. rather than selling or servicing loans, it serves as a marketplace for loans that allow borrowers to interact with a variety of lenders that could suit well to their needs for free

The company has provided more than $4 billion in loans in the industry since 1999. Customers may apply for a tailor-made loan for free after comparing the available choices that meet their particular needs.

Pros and Cons of AmOne


  • Free to use. You will never pay a fee to get matched with lenders
  • Easy to use online form for submitting your profile
  • Get free access to members of AmOne customer support who can answer questions about your choices.
  • No hard inquiries on your credit report


  • Restricted details on the terms of individual lenders before you contact a lender directly.
  • It’s still on the borrower to research specific lenders
  • No way to compare individual lenders side by side
  • Customer representatives aren’t available 24/7

Rates & Fees

It is free to fill out the online form on the official AmOne website to get matched with lending solutions and providers.

The average annual loan percentage rate (APR) typically ranges from 5.49 percent to 35.99 percent. It is possible to get a lower rate than 5.49 percent in some situations.

The loan sum term and fees depend on who customers are paired with, because AmOne is not a loan provider. The loan provider may charge an origination fee, late payment fees, etc.

Borrowers should check the loan agreement for any other rates and fees the loan provider may charge.


Applying with AmOne for a loan is a simplified operation. You fill out a single form to obtain pre-approval in order to get started.

This initial phase includes basic information, including contact details, financial history, and employment-related specifics. You will be asked to supply:

  • Employment status
  • Annual income
  • Date of birth
  • Contact information such as phone number and email
  • Zip code and basic geographic information

You need to fulfill the following criteria in order to qualify:

  • Be a US citizen or legal permanent resident
  • Be 18 years or older
  • Have a verifiable bank account
  • Have a steady source of income
  • In addition, you will be requested by the loan company you ultimately want to work with to present more details and meet more requirements.

Once the application process is complete, to easily compare your choices side-by-side, you will be paired with other potential lenders.

You will complete the application process directly with the chosen lender when you agree to terms with a provider.

It is important to note that AmOne will no longer participate in the approval process at this point, as it only works to connect lenders with prospective borrowers.

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Loan Process

AmOne makes it easy to apply for a personal loan. Those interested can start by visiting the website where they can fill out a simple form. Next, AmOne will assess the application before matching it with its lending partners.

AmOne LoansApplicants then receive a list of offers that they can shop through for the best rates and terms. With AmOne, borrowers can gain access to their funds extremely quickly in as little as one day after choosing their loan.

AmOne does not function as a lender, but links candidates to their network of banks and financial institutions instead. This gives numerous choices for borrowers.

Because AmOne doesn’t supply loans directly, applicants will have the ability to shop for the best rates and terms from different lenders.

Not all lenders have the same terms and rates, and borrowers will have the opportunity to choose the ideal repayment terms and rates among a list of offers.

With AmOne, applicants can receive a loan between $1,000 to $50,000.

Repayment terms range between 24 to 84 months. APR rates depend on the credit score and bank history of the borrower, but AmOne personal loans have APRs between 3.99% to 35.99%.

Customer Services

Customers can easily get in touch with AmOne personal loan services. Their website has a support ticket to fill in and you can also get in touch by email. Unfortunately, AmOne doesn’t have a live chat or phone number to reach them.

Aside from the contact details, the AmOne’s website lacks a lot of detailed information compared to other personal lending services. You won’t find any representative examples of loans and rates.

In addition, their website doesn’t have much in terms of online resources to help guide borrowers through the loan process. That being said, their site does have a fairly straightforward setup for those looking to secure a loan.

What Can I Use AmOne Loans for?

Personal loans can be helpful in almost any situation you can think of. Some of the most popular uses include:

  • Startup or small business loans
  • Debt consolidation
  • Financing large purchases
  • Paying off medical bills

So whether you’re trying to start a small business or consolidate your credit card debt, this site can help.

Of course, you don’t need to have had one of these life events to apply for a personal loan. In order to cover almost any cost, planned or unplanned, these types of loans are available.

What Makes AmOne Different from Other Lending Sites?

Through this site, you can apply for up to $10,000 in personal loans. But you can also look for credit cards that you qualify for. Not to mention, in order to help you find the right loan provider, their US-based hotline will link you with a financial expert.

Moreover, every month, they receive more than 1.5 million loan requests, so you know they are trustworthy!

Final Say

AmOne Loans

If you’re on the hunt for a personal or business loan, AmOne will make seeking potential lenders quicker and easier. Their matching process is free and you don’t have to worry about tough enquiries that lower your credit score.

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