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2022 review

AmOne makes searching for loans easy by matching you with lenders, even if you have no credit. The fast approval process and team of helpful financial specialists set this marketplace apart from the competition.

8.6 / 10
Editorial Score
Ginny Dorn
Personal finance and mortgages specialist
May 17, 2022


AmOne connects you with debt consolidation, personal, and business loans from some of the most well-known online lenders, like Upstart, Prosper, and Marcus by Goldman Sachs. In AmOne’s decades in business, it has helped over 13 million people find loans ranging from as little as $100 up to $250,000.

With AmOne, shopping for a loan is easy and efficient because you can get prequalified with multiple lenders at once. This saves you the hassle of entering your information on individual lender sites. After you apply, the platform provides several offers ranked by loan amount, APR, and term so that you can quickly decide what lender meets your needs.

AmOne is free to use and secure. It offers U.S.-based customer support and assigns you a financial search specialist. If you don’t receive any offers, AmOne has in-house credit experts who can help you improve your score for next time.

8.6 / 10
Editorial Score
Quick view:
Editorial Score
8.6 / 10
Online Services
Applications, Quote management, etc.
10 / 10
Customer Service
7.0 / 10
Available in all states
10 / 10
Available loan types
8.0 / 10
8.0 / 10

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Products & Services

AmOne offers debt consolidation, personal loans, and business loans ranging from as little as $100 up to $250,000. Unlike some loan marketplaces such as LendingTree, it doesn’t offer student loans, student loan refinancing, or home loans.

Debt Consolidation Loans

AmOne partners with lenders that specialize in debt consolidation. It can connect you with a loan for as little as $2,000 and up to $50,000. In comparison, some lenders and marketplaces offer debt consolidation loans starting at $1,000. You can choose from terms ranging from 6 to 36 months.

Since AmOne is not a direct lender, it does not have specific qualifications to use the platform. It only requires that you are not in bankruptcy and can provide proof of income, like a W2 or paystub. Each lender has its own approval guidelines.

AmOne does state that its debt consolidation loans are best if you have good to excellent credit. A credit score of 670 to 800 is ideal, but you may be able to get a loan with a lower score since AmOne works with many different types of lenders.

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Personal Loans

Unsecured personal loans from AmOne range from $100 to $50,000. Other lenders typically require a minimum loan amount of at least $1,000, so AmOne stands out for minor cash flow needs. You can use the funds for any purpose, including but not limited to home improvement, medical and dental expenses, relocation, and bills.

Business Loans

AmOne offers two different types of business loans. You can get a small business loan for up to $350,000 or a start-up loan ranging from $1,000 to $50,000. Loan terms range from three to 120 months.

Some competitors require collateral, like business equipment or a car, to protect their financial investment in the event that you cannot repay the loan. AmOne does not require collateral or a personal guarantee for a business loan. However, this also means that your rates will depend solely on your credit score.

Secured Loans

You can get a secured motorcycle, auto, RV, or boat loan through AmOne. Since you have collateral to back these loans, you may be able to qualify even with lower-than-average credit.. However, if you can’t repay the loan, the lender will repossess the vehicle or asset.

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Rates and Terms

Each of AmOne’s lending partners has different rates and terms. Generally, interest rates start at 2.49% APR and could go up to 35.99%. Terms range from 6 to 84 months. You can borrow as little as $100 up to $350,000, depending on the type of loan.

It’s worth noting that when I tested AmOne’s online prequalification tool, lenders sometimes did not disclose APRs and terms. This often occurred if I entered a lower credit score or income. In these instances, the website noted that the lender would be in contact with me to discuss the offer further. This isn’t standard – most loan marketplaces disclose loan amount, APR, and term at the time of the offer.

While AmOne is free, your chosen lender may charge application, origination, and disbursement fees, as well as late payment fees. Before accepting an offer, you should get all the details of the loan, including terms and fees.

Application Process and Qualifications

To prequalify for loans on AmOne’s marketplace, you’ll need to fill out a simple questionnaire that asks for the following information:

  • Name
  • Address
  • Birthday
  • Phone number and email
  • Amount of loan
  • Employment status
  • Income

Throughout the questionnaire, AmOne explains what information it needs and why. For example, it explains what to include with income and what not to include.

After you submit your information, AmOne takes about 30 seconds to match you to potential lenders. On the following screen, you can view all the offers from the lenders that match your circumstances. You have the option to sort the offers by lowest annual percentage rate (APR), term, or monthly payment.

If you find that one of the offers fits your needs, you can continue your application on the lender’s website. While there’s no hard credit check with AmOne, your lender of choice will need to perform a hard credit check to process your application.

It’s also important to note that most lenders show you the rates and terms of the loan offer, but some may not. In this case, you can expect the lender to contact you via phone or email to provide more information.

AmOne assigns a financial search specialist who can answer any questions you have while filling out the form, comparing options, or choosing a lender. They’re also available to help if you don’t match with a lender by providing information on how to raise your credit score so that you’re approved next time.

Since AmOne is a lender marketplace, there are no set minimum qualifications. In general, lenders prefer to see a credit score of at least 600 or above, but AmOne partners with some lenders who consider credit scores in the 500s. AmOne even has loan options for people with no credit. To use AmOne, you must be at least 18 and able to provide proof of income. You also cannot be in bankruptcy.

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Approval Time

It takes just a few minutes to fill out AmOne’s application form. Once complete, the company instantly connects you to lenders that can work with your financial circumstances. After you select a loan, you can either continue the application through the lender’s website or by phone.

Approval time varies from lender to lender. Some lenders approve you the same day that you apply. Funds can be available as quickly as 24 hours from approval.

Customer Service

You can contact AmOne’s customer service team and financial search specialists via phone, email, or contact form. They’re available Monday through Friday, from 9 a.m. to 9 p.m. and Saturday from 9 a.m. to 5:30 p.m. EST. This is fairly standard, although other marketplaces, like QuickenLoans, offer a live chat function and customer service hours on Sundays.


AmOne makes it easy to shop around for a loan by matching you with up to five lenders and allowing you to compare multiple loan offers in one place. It works with some of the most reputable online lenders, so you can trust that the offers you receive are legit.

Throughout the matchmaking process, you have access to an assigned financial search specialist. They can help guide you toward the right type of loan, offer, or lender. Even if you don’t get any offers, you can reach out to AmOne’s in-house credit experts. They can explain why you didn’t match and provide an action plan to help you improve your chances of prequalification  next time.

To use AmOne, you must consent to share your information with up to five lending partners, who may contact you by email, phone, or text. This is standard with lender marketplaces and you can opt out at any time.

If you have a lower credit score or income, the lenders may not disclose APR or term with their offers on AmOne. You’ll need to talk with the lender to get all the details. AmOne also doesn’t offer home or student loans at this time.

Despite these potential drawbacks, AmOne is a trustworthy loan matchmaker with decades in business and millions of users each year. You should consider starting your loan search here if you want to explore your options, especially if you need funding quickly.

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Is AmOne a legit company?

Yes, AmOne is a legit company. It has been in business for over two decades and has helped 13 million people find loans. It also partners with well-known lenders like SoFi and Upstart.

Is AmOne a direct lender?

No, AmOne is not a direct lender. AmOne is a loan marketplace. It matches you to potential loan offers from third-party companies and allows you to compare multiple loan offers side-by-side.

What services does AmOne provide?

AmOne is a loan matchmaker and can help you find a secured or unsecured loan. This includes debt consolidation, paying off credit cards, and loans for small businesses, home improvement, medical expenses, and more.

Ginny Dorn
Written by

Ginny Dorn is a freelance personal finance writer. She specializes in credit card debt, personal loans, and mortgages. She graduated from Western Illinois University with a bachelor's degree in family and consumer sciences.

  • Ongoing access to a financial search specialist
  • Some lending partners work with poor credit scores
  • Fast approval and funding, sometimes within 24 hours
  • By prequalifying, you consent to calls from lenders
  • Lenders may not disclose APR and term
  • No live chat support
Bottom Line

You might want to consider AmOne if you need a debt consolidation loan fast. Funds can be disbursed as quickly as 24 hours from approval. You’ll need to have at least $2,000 in debt, which is in line with what most lenders require. AmOne also partners with lenders that can provide personal loans to people with no or poor credit.

That said, there are some downsides. When you get a quote, you agree to share your information with up to five lenders who may call, text, or email you. Rates, terms, and fees can vary widely from lender to lender, so there’s no way to know what kind of offers you’ll get until you prequalify.