In-Depth Analysis

AmOne Review 2024

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Written By
G. Dautovic
September 13, 2023
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

AmOne has been in the business of connecting consumers and companies with lenders for more than two decades. During that time, the service has helped secure billions of dollars in loans for customers. AmOne reviews financial data from prospective borrowers and uses it to make a match with lenders quickly, accurately, and at no charge to borrowers.

It’s no wonder this online loan marketplace enjoys top marks from companies that have used its services.

Loan amounts:
$1,000 - $50,000

APR range 3.99% to 35.99%

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

$1,000 - $50,000
2-7 years
3.99% to 35.99%
Up to 5 business days
20 years
A- (Not BBB Accredited)
All 50 states
pros thumb up Strengths
  • Personal and small business loans
  • No credit score check
  • Range of loan terms
  • Free to use
  • Quick and easy application process
  • No minimum credit score required
  • Loans without collateral
  • Credit calculators on site
pros thumb up Weaknesses
  • Doesn’t provide enough information
  • Lenders tend to call customers

AmOne Overview

AmOne was established in 1999 and was acquired by California-based marketing firm QuinStreet in 2018. AmOne’s primary focus has always been on small personal loans, and in its early years, the marketplace successfully assisted customers in securing more than $4 billion in loans.

So, what is AmOne and how exactly does it operate? The company is not a direct lender. Instead it helps you secure a personal loan by connecting you with a network of lenders, each offering near-instant loans of up to $50,000.

The service is free, and the application process doesn’t affect your credit score because the site doesn’t order a full report from credit reporting agencies. That happens only when you settle on an offer and proceed to take out a loan.

Online reviews of AmOne on platforms like TrustPilot reveal how the company has managed to stay in business for so long. Customers praise the site’s efficiency and the speed with which it connects applicants and lenders. Loans are approved quickly and the staff is polite and knowledgeable. More than a million borrowers have successfully used AmOne’s services to secure loans.

Loan terms are about the same as you would be offered at other lending marketplaces, though interest rates and fees are higher than you would find if you qualified for a loan at a bank or savings and loan.

The AmOne platform is straightforward with no unnecessary clutter. You can start the application process by giving a reason for the loan and provide your credit score. After that, the site will work its magic to find you the best possible offers from its network. AmOne specializes in unsecured loans, which means that lenders don’t require collateral.

How Does AmOne Compare to Other Lenders?

AmOne Logo
APR Range:

3.99% - 35.99%

Min. Credit Score:


5kFunds Logo
APR Range:

5.99% - 35.99%

Min. Credit Score:


Fiona Logo
APR Range:

4.99% - 35.99%

Min. Credit Score:


Types of Financing Available

AmOne personal loans range from $1,000 to $50,000. It isn’t always easy to find lending platforms that offer very small loans, but a growing number of borrowers are requesting this feature. Since you’re not getting a loan directly from AmOne, there aren’t any specific requirements for approval. This is good news for customers with low credit scores, but it’s ultimately up to the lender whether you get approved or not.

Here are the general requirements for securing a loan at this marketplace lender:

  • You must be 18 or older.
  • You must be a US citizen or permanent resident.
  • You must authorize the lender to do a “hard pull” of your credit report.

Debt Consolidation

One of the main reasons people take out loans is to cover outstanding debts. Some have spent beyond their credit card limit, while others are trying to cover a separate loan with bad repayment terms. Whatever the reason, is the ideal destination for finding loans if you’re already in debt.

Student Loans

Higher education has never been more expensive – or more important. Today, most students have a list of other expenses including books, rent, and maybe a new laptop. A student loan from AmOne helps you cope with the financial burden of higher education.

Building Credit

To build a credit score, you need to spend some money first. Or you can take out an AmOne loan. Making scheduled payments on time and retiring your debt can boost your credit score significantly.

There are many loan types at AmOne:

  • Vehicle purchase
  • Auto repair
  • Starting a business
  • Home purchase or improvements
  • Investment opportunities
  • Medical or dental
  • Moving
  • Student loans
  • Taxes
  • Unexpected expenses
  • Vacation
  • Wedding

AmOne Application Process

Before you can browse through loan offers, you’ll need to fill out an application, either online or by calling AmOne on the phone. The online form is a much faster option, and even though you can communicate with your lender directly by telephone, the site’s support team recommends using email.

The application process begins with you providing the reason you are requesting a loan. You also click a button to indicate which range your credit score falls into. The site processes your data and in a matter of minutes provides you with a list of offers that have the best odds of approval.

In addition to your credit score, AmOne reviews your tax returns and annual income. The company uses this information to get a sense of your ability to repay a loan and to match you with appropriate lenders.

Don’t be discouraged if you don’t immediately get a long list of offers. After submitting your application, AmOne will periodically send you offers that match your requirements. Applying for a loan through AmOne paves the way to some of the best offers in the industry. It’s up to you to pick the loan that best fits your needs.

AmOne is only a middleman. The site doesn’t process your loan payments. Once you have made a connection with the lender of your choice, AmOne’s work is done.

What Do I Need to Apply?

This personal loan marketplace requires some personal details in its quest to match you with the right lender. Here’s the information you’ll need to provide during the signup process.

  • Name
  • Address
  • Email
  • Phone number
  • Date of birth
  • Loan purpose and amount
  • Employment status
  • Annual pre-tax income
  • Whether you rent or own a home
  • Credit card debt (if applicable)
  • Whether you’ve declared bankruptcy in the past

AmOne uses state-of-the-art encryption technology to protect all of your personal data.

After AmOne reviews your application and you pick one of the recommended lenders, you might be required to provide additional documentation. This is common practice used to confirm your identity and financial status. The exact list of documents required varies from lender to lender, but the following items are frequently requested:

  • Copy of a government-issued ID
  • Tax return forms
  • Proof of residence

Once all of this data is processed and you’ve agreed to the offer, the loan provider will do a full credit check. It is this “hard pull” that may affect your credit score.

AmOne Financing Features

Security is paramount for any business that does business online. That’s why AmOne employs 256-bit encryption to protect borrower and lender data.

The site is beginner-friendly and offers an abundance of information on loans, including guides on how loans impact your credit score as well as many short guides on the terminology in this business. It’s always refreshing to see a company that does more than just brag about being one of the industry’s best personal loan lenders.

Another big plus: Several handy financial calculators are on the site. These can help you figure out how much you’d need to pay for an auto loan, a mortgage, or credit card debt. Since you can’t browse loan offers without signing up, the calculators help you get a rough estimate of the monthly rates.

The application process for an AmOne personal loan and the review process that follows occur only once. There is no need to reapply or repeatedly message the support team for updates. The platform automatically sends you the latest loan offers, and the lenders may contact you directly if they determine that a particular loan is a great fit for you.

You may find yourself feeling pestered by frequent calls from lenders looking to make a match. And choosing a lender can be difficult because the AmOne website doesn’t provide background information about the company’s lending partners until after you have chosen one.

Not even the best personal loans are free of unwelcome surprises in the fine print. While using AmOne’s services is free, the lenders usually charge origination fees as well as other fees for late payments. That’s why it’s important to educate yourself about each offer before proceeding with the loan.

Loan Amount and APR Details

AmOne loans are similar to what you might have seen on other platforms. This loan marketplace website presents you with various options, but in general, AmOne loans share the following characteristics:

  • Loan amount: $1,000 to $50,000
  • APR: 3.99% to 35.99%
  • Origination fee: Varies from lender to lender
  • Other fees: Depends on lender
  • Loan term: Two to seven years
  • Repayment options: Monthly

The specifics of each loan are determined by the customer’s financial situation. Lower credit scores will generally result in less favorable terms, like a higher APR and a shorter repayment period. The system isn’t exactly flexible, and you get a fixed offer from each lending partner.

Some applicants may have the luxury of waiting for better offers to come in, but people who need a fast AmOne personal loan for emergency expenses will have to settle for the first or second loan that’s offered to them.

AmOne Repayment Terms

AmOne lenders expect payments on a monthly basis. The exact terms are not ironed out until AmOne reviews your application, presents candidate lenders, and you choose one. You can expect to pay off your loan in 24 to 84 months.

While lenders can slap you with additional fees, they can also offer generous discounts. Early payments can be rewarded with reduced fees, or you can get a discount on the entire loan. Again, the terms will depend on your financial situation, the lender’s policies, and other factors.

The Bottom Line

If you are looking for the best personal loan, lending platforms like AmOne can be incredibly useful. The application process is streamlined and automated. The site also has a comprehensive FAQ, and friendly customer support agents stand ready to answer your questions.

The inevitable conclusion of our AmOne review: We highly recommend using this online loan marketplace.


Is AmOne a legitimate company?


AmOne has been in business for more than 20 years. The platform has an A+ rating on BBB and hundreds of positive reviews on sites like TrustPilot. In short, this is a legitimate lending network.

Does AmOne run your credit?


No. Submitting an application with AmOne won’t affect your credit. The AmOne lending process involves gathering information on the borrower and matching that data with offers from lending partners. Only after the customer chooses one of the offers will the lender run a credit check.

How can I contact AmOne’s customer service?


AmOne customer support is available via a toll-free number (800-781-5187) or email ([email protected]). A comprehensive FAQ is also available with additional guides for beginners. You can expect a response to your inquiry within 24 hours.

Is AmOne a direct lender?


AmOne is not a direct lender. The platform connects borrowers with lending companies. The application process involves filling out a short form, after which AmOne reviews your information and quickly searches through its network of partners for a loan that fits your needs.