AmOne? Here’s the Real Deal in 60 Seconds!
AmOne operates as an online loan marketplace that connects borrowers with a broad network of reputable lenders offering personal loans and related financial products.
The platform simplifies the borrowing process by allowing users to complete a single online application and then review multiple loan offers side by side. Instead of submitting applications individually with different lenders, borrowers can save time and effort by comparing terms in one place and choosing the option that best fits their needs.
Read Full ReviewAmOne Loan Details Review
Details
| Category | Details |
| Min Credit Score | No minimum credit score (All credit types accepted) |
| Loan Amount | $500-$100k |
| Loan Types | Personal loans, business loans and auto loans |
| Online Experience | Yes |
| Funding Time | 1-2 business day |
| Lender Type | Online loan marketplace/matching platform |
| APR (Fixed Rate) | 6.49%-35.99% |
| Availability | Available in most states; exclusions not specified |
| Soft Credit Pull | Yes AmOne's initial match is generally soft-pull; lenders may initiate hard inquiries during formal applications |
| Repayment Flexibility | Monthly or bi weekly depending on lender |
Pros & Cons
Pros
- Simple online form
- Access to live support
- Compare multiple loan offers
- Loan amounts up to $100k
- No charge to use service
- Fast and convenient
- Direct deposit funding
Cons
- Not a direct lender
- Information shared with multiple lenders
- Lender rates vary
- Possible high APR's
Contact Info
- service@amone.com
- 888-401-0330
- 950 Tower Lane, 12th Floor Foster City, CA 94404
- M-F 8:30am-9pm EST and Sat 9am-5:30pm EST
- Yes
Features
- Free service
- Complete online form in just 2 minutes
- Fill out 1 form and connect with multiple lenders
- Bad credit or poor credit accepted
- Live agents available
How To Qualify
To qualify for a loan with Amone, borrowers must meet basic eligibility requirements:
- Applicants must be 18 years or older
- Must be a U.S. citizen or hold permanent residency status.
- Show ability to repay loan
- Active checking account
- Recommended 35%-50% DTI
AmOne itself does not make lending decisions. Final approval, loan terms, and repayment conditions are determined by the lender you choose from its network.
What makes this review trustworthy
"We do not receive compensation from the companies featured on this site, so our reviews are written independently and are not influenced by placement or ranking. ""AmOne"" is not connected to or endorsed by MontanaCapital™. All product names, company names, and logos are the property of their respective owners. Their mention here does not imply any partnership, sponsorship, or endorsement between us and MontanaCapital™ or vice versa. We make every effort to provide accurate and up-to-date information, but details can change. Always verify the latest terms, rates, and product details directly with the provider before making any financial decisions."
How To Apply
AmOne makes comparing loans simple. The online form takes just minutes. After submitting, you’re quickly connected to lenders who may offer several options to review.. Here’s what to expect:
Complete The Online Form
Fill out a short application on the AmOne website with your basic personal and financial information. This usually takes about 2 minutes.
Get Matched With Lenders
AmOne shares your details with its network of partners to identify potential matches based on your information.
Compare Offers
You may receive several loan options side by side. Review interest rates, repayment schedules, and any fees before moving forward.
Speak To AmOne Experts
An AmOne specialist guides you through the formal application process with the lender you choose to go with.
Finalize And Receive Funds
Once you pick a lender and sign the agreement funds may be available as soon as the next business day.
Details You’ll Need To Provide In Your Initial Application
- First and last name
- Date of birth
- Current address
- Phone number
- Email address
- Employment status
- Annual pre-tax income
- Housing status (own or rent)
Is AmOne Legit And Can It Be Trusted?
Yes, AmOne is a legitimate online loan marketplace that’s been in operation since 1999. It is not a lender itself but matches borrowers with licensed lenders. Borrowers generally find it easy to use, and many appreciate being able to compare multiple loan offers through a single application.
Still, because loan terms are set by individual lenders, costs and transparency may vary, so reviewing each offer carefully is essential.
Why AmOne Might Not Be Your Best Option
AmOne makes it easy to compare loan offers, but convenience doesn’t always equal the best deal. Borrowers should be aware of a few important drawbacks that may limit its value:
Rates Can Be High
APRs range from around 6.49% to 35.99%, depending on credit.
Not All Offers Are Equal
Some lenders may add origination or late fees.
Limited Transparency
You won’t know exact loan terms until you’re matched with lenders.
How to Qualify For AmOne
To be eligible, applicants generally must:
- Be 18 years or older
- Be a U.S. citizen or permanent resident
- Have a steady source of income
- Maintain an active checking or savings account
- Provide accurate personal and contact information
- Recommended 35%-50% DTI
Meeting AmOne’s requirements only allows you to apply. It does not guarantee loan approval. Because AmOne is a marketplace, the lender you’re matched with sets the final loan amount, APR, and repayment terms.
Process & Time Frame
The application process with AmOne is straightforward and takes only a few minutes to complete online. Most borrowers receive lender matches almost instantly after submitting their information, though some lenders may require additional documentation, such as proof of income or identity verification, before final approval.
Once approved, funding speed varies by lender and by bank, with some able to deposit funds as soon as the next business day, while others may take longer depending on internal processing times.
How Will the Loan Process Work?
Apply Online
Start by completing a short online form. This usually takes only a few minutes.
Get Matched
AmOne shares your information with its lending partners to identify potential matches. In many cases, you may see loan offers within minutes.
Confirm & Sign
Choose the option that fits your needs best. The lender may ask for extra documents, such as proof of income or ID. After verification, you’ll sign the loan agreement.
Receive Funds
Once approved, funds are deposited directly into your bank account—sometimes as soon as the next business day, depending on the lender and your bank.
Who It’s Best For
AmOne is best suited for borrowers who want to compare multiple loan offers quickly, prefer the simplicity of an easy online application process, and need flexibility across a range of credit profiles,including those with fair or even bad credit.
Alternatives To Consider
If AmOne doesn’t seem like the right fit, you still have plenty of options. Other reputable online loan marketplaces and bad-credit lenders can provide similar quick applications, competitive offers, and flexible terms.
Exploring multiple platforms lets you compare rates, repayment schedules, and reviews side by side. This helps you find the most affordable and transparent option for your situation.
4.5
Credible Reviews
$1k-$250k
6.49%-35.99%
12-120 months
Good For: Personal Loans, Student Loans, Mortage Loans
2.7
CashUSA Reviews
$500-$10k
Not disclosed on wesbite but based on research 5.99% – 35.99%
Good For: Personal Loans with Limited Credit Options
2
Lending for Bad Credit Reviews
$100-$40k
Up to 35.99%
3-180 Months
Good for: Personal Loan or Cash Advance
FAQs
Does AmOne Charge Fees?
No, AmOne is free to use. The lenders they match you with may charge fees such as origination or late payment fees, so it’s important to review each lender’s terms and disclosures carefully.
Will Applying Affect My Credit Score?
AmONE performs a soft credit check for prequalification, which won’t impact your score. However, individual lenders may run a hard inquiry later. It’s a good idea to confirm with the lender before proceeding if you are concerned.
Is Amone Legal?
Yes, AmOne is a legitimate loan marketplace founded in 1999 that matches consumers with direct lenders for personal loans, and it is a free service for users.
AmOne is not a lender itself but an intermediary that helps borrowers explore options. For transparency, you can review their official Disclosures and Licenses here: AmOne Disclosures.
Is Debt Consolidation A Good Idea?
Yes, debt consolidation can be a smart strategy if you’re juggling multiple high-interest debts, like credit cards, and want to combine them into one loan with a lower interest rate. This can simplify payments, potentially reduce your total interest costs, and help you pay down debt faster.
AmOne Reddit Review Summary
On Reddit, users generally agree that AmOne is a legitimate loan marketplace, but experiences vary.
- Some borrowers highlight the speed, ease of use, and convenience of comparing offers in one place.
- Others note that loan terms can differ significantly between lenders, and many mention persistent marketing calls or emails after applying.
- Most users stress the importance of reading loan details carefully before committing, since final terms depend entirely on the lender you’re matched with.
AmOne BBB Reviews and Complaints
| Category | Details |
| BBB Accredited | No |
| BBB Ratings | A+ |
| BBB Customer Reviews | 2.58 out of 5 stars (based on 48 reviews) |
While the absence of BBB accreditation isn’t necessarily indicative of fraudulent behavior, it does limit transparency. Accredited businesses typically commit to higher standards, making them easier to evaluate.
The volume of complaints though mostly resolved suggests it’s worth considering other reputable marketplaces or direct lenders for greater consistency in customer service.
Customer reviews verified: Sept 3, 2025
AmOne Bottom Line: Finding The Right Personal Loan
AmOne provides a fast, free way to compare loan offers with a single application. It’s especially helpful if you want to save time and get matched with lenders across different credit ranges.
That said, the service does come with trade-offs. Loan terms and rates vary depending on the lender, and some borrowers may face higher APRs or added fees. Transparency also depends heavily on the lender you choose.
AmOne Summary Of Brand Disclaimer
AmOne is not a lender and does not make credit decisions. It’s a free marketplace that connects you with lenders. Submitting information on their site is not a loan application.
Approval, loan terms, and funding are decided only by the lender you choose.
Rates and APRs vary widely based on creditworthiness, state, and loan type, and only borrowers with excellent credit may qualify for the lowest advertised rates.
AmOne may share your information with lenders or third-party service providers and may receive compensation for referrals. Because AmOne does not endorse or guarantee any lender, borrowers should carefully review all loan terms, privacy policies, and conditions before committing to a loan.
