AmOne Reviews

AmOne is one of a lending platform that caught our eyes. Check out why!

We’re going through very difficult times on a wide scale, and more people are taking out loans than before. However, this need for financial assistance and the abundance of lending platforms and partners make it overwhelming for the average borrower to find the right place to browse. 

If you’re interested in knowing what this company actually does, whether it’s as good as it sounds, and how it can assist you, continue reading.

AmOne Review: The Short Answer

AmOne is an excellent online platform for borrowers to get connected to multiple lenders, even if they have bad credit, and borrow up to $50,000 that they can repay in up to 7 years.


  • Free pre-approvals and credit assistance services
  • No minimum credit score required
  • Convenient, online platform that’s easy to use
  • Helpful online credit calculators
  • Variety of loan types to choose from


  • Limited information on individual lenders before applications
  • You’ll get contacted by multiple lenders after application, which can be overwhelming.
  • Customer representatives aren’t available 24/7

What Is AmOne?

AmOne is an online financial solutions company that helps borrowers, whether they’re individuals or businesses, get matched with trustworthy lending partners. 

The company was founded in Fort Lauderdale, Florida, in 1999, meaning that it has 22 years of experience in providing customers from the 50 states with free online financial solutions. In fact, over 1 million Americans use AmOne each year.

The online platform is made to be easy-to-use for all, allowing you to skip the tedious process of loan application in person. Instead, you’ll go from application to approval if eligible within a couple of days on average. 

The company helps you connect with lenders to borrow anywhere between $1,000 to $50,000. The APR starts as low as 3.49% and has a maximum of 35.99%. The loan term typically ranges from 2 to 7 years, and you repay monthly.

AmOne doesn’t charge you any fees to apply for loans, meaning that applications and pre-approvals are free. It also doesn’t do hard credit checks either, as it’s not a direct lender itself.

While many lending platforms turn away borrowers with less-than-perfect credit scores, AmOne assists everyone, including those with poor credit scores, because they deserve a chance to turn things around.

It also provides free financial consultations with the help of experienced financial search specialists, who can answer all your questions and assist you in improving your credit score. Also, its online credit calculators are helpful in understanding repayments and their terms before you make any commitments.

AmOne also stands out in helping customers browse a variety of loans, such as personal loans

debt consolidation loans, small business loans, loans for start-ups, and more.

Requirements for Eligibility

Since AmOne isn’t a direct lender, it doesn’t have many requirements of its own, as long as you’re at least 18 years of age and a US citizen or permanent resident. The eligibility for loans differs from one lending partner to another.

Generally speaking, you’ll need to have a steady source of income, provide basic contact and bank account information, and authorize the lender to make a hard inquiry on your credit. Some lenders will need more information from you. However, this is a good place to get started.

That said, remember that AmOne doesn’t guarantee approval from lenders. A lender has to be certain that you’ll be able to repay the loan, or else they’d be preying on your financial vulnerability to trap you with fees and interests that add up beyond your abilities.

Types of Loans AmOne Facilitates

One of AmOne’s biggest advantages is the variety of loan types that it facilitates. Whether you’re paying off a debt or starting a small business, AmOne has your back.

Personal Loans

Personal loans are installment loans that allow you to borrow a fixed amount of money, ranging from $1,000 to $50,000 for a variety of applications. 

Benefits of Personal Loans


Personal loans are the most common type that customers take out because their versatility allows them to be used for many purposes. You can take out a personal loan to pay medical bills, remodel your home, or take a vacation.

Large Amounts of Money

Many borrowers also gravitate towards personal loans because the borrowing limits are relatively high, especially with secured loans, meaning that they’re more likely to cover their needs.

Fixed Terms

In addition, the repayment terms are fixed, so there are no surprises for those who can’t handle them.

Quick Response

Like any other loan, your personal loan application can be accepted or rejected. However, the response is fast and time-saving. When accepted, you’ll get your funds in no time.

Minimal Requirements

While some loan contracts make it seem like you’re signing your soul away, personal loans tend to have very basic requirements, which means that you won’t waste time collecting unnecessary documents when time is money.

Secured or Unsecured

Personal loans are usually unsecured, meaning that you won’t have to put up one of your valuables as collateral in case you can’t repay. 

However, you also have the option to take out secured personal loans if you can, which gives you a much better deal than a secure one because the lender takes less risk when there’s collateral.

The fact that both options exist with AmOne allows you to customize the loan according to your own needs, not vice versa.

Things to Consider

High Rates

While most borrowers prefer unsecured personal loans because nobody likes the possibility of losing a house or another valuable asset, unsecured loans tend to have higher interest rates and fees since there’s more risk for the lender. So, if you choose to take out an unsecured loan, keep the change of rates in mind.

Credit Rating Matters

If you have bad credit and don’t have a valuable asset to use as collateral, your only option is unsecured loans. These loans tend to have higher rates for bad credit owners than their good credit counterparts, so bear that in mind.

Debt Consolidation Loans

Debt consolidation loans refer to simplifying multiple payments for multiple creditors into one payment, making paying off the debts much easier.

Benefits of Debt Consolidation Loans

More Convenient

If you’re overwhelmed by the high monthly payments and interest rates that you owe to more than one creditor, AmOne understands your pain. By consolidating your debt, you’re lowering the interest rates and monthly payments, making it more convenient and easier to pay off your debts faster.

Variety of Solutions

With AmOne’s debt management options that the specialists will walk you through free of charge, you can actually choose what’s best for you, whether it’s a payment consolidation or balance consolidation.

The first option allows you to take out a loan or enter into a debt management program. The second one allows you to consolidate the balance by taking out a loan or initiating a credit card balance transfer. Either way, the financial search specialists will help you make the best decision.

Improve Credit

If you pay back your loan on time, you’ll definitely boost your credit score over time.

Secured or Unsecured

AmOne allows you to consolidate your debt with a secured or unsecured loan. As usual, secured loans have lower interest rates than unsecured ones.

Things to Consider

Debt Doesn’t Disappear

What many borrowers fail to understand before consolidating their debts is that it doesn’t make the debt magically go away. Instead, it makes it clearer and more organized, and therefore easier to pay off.

Hard to Qualify for Unsecured Loan With Bad Credit

If you’re already in debt, chances are your credit score isn’t the best at the moment, which makes it harder to take out an unsecured loan to consolidate your debt. In some cases, a secured loan, where you use your house or car as collateral, maybe your only option.

Small Business Loans

Small business loans are the ones that AmOne streamlines for companies running for at least 6 months, meaning that they’re no longer a start-up, allowing them to connect with lending partners that lend up to $350,000.

Benefits of Small Business Loans

Lower Interest Rates

If your small business has been running for a while and you managed to keep a good credit score, you’ll get low-interest rates, allowing you to save more money in the long run while getting a good cash flow now.

Build Business Credit

Whether your business needs the financing right now or not, it’s always a good idea to take out a small business loan and repay it on time. Doing so will help your business build a credit history that enables you to borrow when you really need it.

Accelerate Business Growth

When your small business isn’t restricted by finances, you can actually do what it needs to grow. Whether it’s marketing campaigns, expanding branches, or hiring premium manpower, a small business loan can definitely accelerate your business growth with a thought-out plan.

Things to Consider

Repayment Isn’t Easy

Since you borrow much more money for your business than personal reasons, repayment isn’t as simple. Without the right money management and business plans, a small business loan can put you in debt if you fail to repay.

Most Lenders Want Collateral

Since we’re talking about small businesses rather than established ones, lenders often need to secure themselves by demanding collateral. So, prepare to put up a valuable asset of yours as collateral to qualify for your small business loans if you can’t find unsecured options.

Loans for Start-ups

Loans for start-ups refer to the ones that AmOne helps streamline for those who want to start a business.

Benefits of Loans for Start-ups

Full Ownership

Many fresh entrepreneurs tend to investors to finance their business ideas, which has worked out great for many. However, if you fund your start-up without turning to investors, you have full ownership of your business, which gives you full power to choose who to partner with in the future.

Things to Consider

Many Requirements

Most lenders will need proof that your start-up has a future, so be prepared.

Frequently Asked Questions

Is AmOne a Direct Lender?

No. AmOne isn’t a lender or a bank. It’s an online loan marketplace that connects borrowers and small business owners with lenders that fit their needs and offers free credit assistance to help customers get back on their feet.

Is AmOne a Good Loan Company?

AmOne has been in the online loan marketplace business since 1999 and has assisted in over $4 billion dollars in loan approvals for American individuals and business owners. It has a 4.5 rating on Trustpilot, leaving many customers satisfied as well.

Does AmOne Do a Hard Credit Check?

No, AmOne doesn’t do hard credit checks because it’s not a loan provider. It’s an online platform that streamlines connecting you with lenders, so it only asks about your estimated credit score to connect you with the right lenders. After you choose a lender, the lender will run a credit check.

How Do AmOne Personal Loans Work?

You fill out an online form or call the company on the phone. You’ll be asked to provide the basic information needed, such as the reason for the loan and credit score range. 

Next, you’ll get a list of lenders with the best odds of approval according to your data. Finally, after browsing the lenders, you contact the lender of your choice and carefully review the terms before any commitment.

Final Thoughts

As you can see, AmOne is one of the best online financial solutions companies in the US, streamlining all kinds of loans for individuals and businesses and providing free financial consultations so that you can make the right decisions.