• APR RANGE: 4.99%-35.99%
  • REPAYMENT TERMS: Depending on lender
  • LOAN AMOUNTS: $100-$50.000
  • FUNDING TIME: One day upon approval
  • LOAN TERMS: 24-84 months
  • FEES: Depending on lender

2022’s AmOne Reviews [Explained]

  • APR RANGE: 4.99%-35.99%
  • REPAYMENT TERMS: Depending on lender
  • LOAN AMOUNTS: $100-$50.000
  • FUNDING TIME: One day upon approval
  • LOAN TERMS: 24-84 months
  • FEES: Depending on lender

Best For

Poor Credit Scores


  • Speedy lending process
  • No purpose restrictions
  • No minimum credit score
  • No collateral is required


  • AmOne distributes your information to multiple lenders
  • Missing details on AmOne's website about lending partners, rates, terms

For borrowers with bad credit, who may never qualify for traditional funding without thorough credit repair, AmOne is an ideal way to get a loan (even with bad credit). Among all the AmOne reviews, you may find this one a useful read, as we’ve narrowed our review down to the essentials of what you need to know about the company. Even if you have a poor credit score, AmOne can help you get the money that you need in the shortest time.

Serving people in the US for more than 21 years, AmOne is a reliable online marketplace dedicated to providing a secure and easy-to-use platform for borrowers to obtain a personal loan from reputable lenders. Launched in 1999, the company aims at connecting the borrower with the best lenders nationwide, so that you can find good loan deals at the best terms and rates.

In this AmOne loan review, we will take a look at:

  • Everything you need to know about AmOne personal loan
  • Eligibility criteria
  • How to apply
  • Pros & cons
  • FAQs

What Do You Need to Know About AmOne Personal Loan?

AmOne is a free service that employs cutting-edge technology to instantly match your loan request with offers from highly rated lenders across the US. The list of lenders is based on the criteria that they are willing to approve. It is not a peer-to-peer lending site; rather, an intermediary to a network of peer-to-peer lenders.

Here is a summary of what AmOne offers:

  • Expected Loan Amount— The minimum is $100, and the maximum is $50,000
  • Annual Percentage Rate — The minimum is 4.99 %, and the maximum is 35.99%
  • Monthly Payment— Variable
  • Loan Term— 24 to 84 months
  • Types of interests— AmOne interest rates vary according to several factors on your side. It includes factors like your credit standing, annual income, loan amount, and outstanding loans
  • Unsecured or Secured loan— unsecured
  • Typical approval time— Variable from lender to lender
  • Typical funding time— You can get your funds in as little as one day from approval
  • Fees and Penalties:

✓ Origination Fee— Differs depending on the lender
✓ Prepayment Penalty— Vary depending on the lender
✓ Late Payment Penalty— Vary depending on the lender
✓ Returned Payment Fee— N/A

What Are AmOne Personal Loan Eligibility Criteria?

To get a loan with AmOne, you must meet the following criteria:

  • Be 18 years or above.
  • Be a citizen or permanent resident of the United States.
  • Although there is no income threshold, the applicant must have a steady source of income.

How to Apply for a Personal Loan With AmOne?

Now that we know the AmOne loan requirements let’s take a look at the AmOne application process – we will review the steps you need to take in order to apply for a loan. To begin with, it is a simple process that can be completed entirely online in only a few minutes. Here’s how it works:

  1. Log on to their official website AmOne.com.
  2. Click on the tab ‘Get started in the upper right corner of the page.
  3. Answer simple questions, such as ‘How would you like to spend the money?’ and ‘What is your estimated credit rating?’
  4. Select the loan amount and your employment status.
  5. Verify your taxable income and insert the name of a co-applicant, if any.
  6. Answer whether you own or rent a home and how long you’ve lived in that home.
  7. Provide your physical address and first and last name.
  8. Provide information about your current financial situation. They will ask you questions, such as ‘how much credit card debt do you have?’ and ‘have you declared bankruptcy?’
  9. Now provide an email address and phone number.
  10. Provide date of birth and click on the tab ‘Get my options’.
  11. Once the application process is completed through its platform, it will match you with several potential lenders and you can compare your options side by side.

When you agree on terms with a provider, you will complete the preapproval application process directly with the selected lender. After this, AmOne is no longer involved in the approval process. Please note that AmOne is not the provider of the loan, but a platform that matches and connects borrowers with personal loan providers.

Tip: it is best for you to explore the market yourself before opting for an intermediary. To do that, you first need to be clear on what you are going to spend the loan on, for example, home improvement, debt consolidation, etc.

Privacy & Security Policy

AmOne protects your information by using the SSL security protocol, and it meets TRUSTe’s privacy certification standards. They have taken all technical, administrative, and physical steps to keep borrowers’ data safe and secure. Besides this, AmOne never keeps your sensitive personal information like your date of birth or social security number stored on their platform.

Pros Cons
Free preapproval service with multiple offers No detailed information on AmOne’s website about their specific lending partners, their rates, and terms
Speedy lending process AmOne distributes your information to multiple lenders
No purpose restrictions
No minimum credit score
No hidden costs
24×7 US-based live support

AmOne Alternatives

If you want to work with a more experienced company that’s been around for a longer time than AmOne or a company with a lower annual percentage rate (APR), then LendingTree personal loan is a good alternative. It has a minimum APR of 3.99%. Besides this, the company was established in 1996. It is a trusted company with a stellar market reputation.

Wrap Up

Based on the information we’ve gathered while preparing our AmOne loan review, we can say that it is a reputable company serving borrowers for decades. The company has built its reputation based on the quality of its services and flexible loan borrowing options they provide. There is no minimum credit score and few eligibility requirements. Both the application and approval processes are simple and quick. Also, when getting your credit information, the company conducts a soft inquiry, and your credit score is not impacted by it.


Can I refinance my personal loan?

For this, you may have to get in touch with their loan experts. Contact them via AmOne’s helpline.

What can I use AmOne personal loan for?

These unsecured personal loans are helpful in almost any situation you can imagine. Some of the most popular uses include: startup or small business loans, debt consolidation, financing unexpected and large purchases, paying off medical bills.

Can I get a personal loan online?

Yes. Both the loan application and the approval process is carried out entirely online. Once your lender approves the loan, they will likely transfer funds to your account in 1 business day. It is convenient and straightforward. AmOne lenders are willing to provide loans to borrowers from across the US. However, before giving you a loan, some lenders may ask for permission to check your credit report. Also, with AmOne, you can qualify for a loan even with bad credit. There is no minimum credit score requirement or a minimum length of credit history.

Who is AmOne personal loan best for?

AmOne is best for anyone looking for a quick funding solution with a less than stellar credit score. Moreover, you can apply for a loan at any time and for any purpose. AmOne works with an established community of lenders, and with a simple application, you can find a lender that can help you cope with your financial challenges.

Is AmOne BBB accredited? What is its rating?

AmOne is accredited by the Better Business Bureau (BBB) and has an A+ rating. If you want to make sure you’ve made the right choice, it will help if you read a couple of AmOne reviews before deciding to work with them. This will allow you to evaluate your options better and decide with absolute confidence before sharing your personal information with them.