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AmOne Personal Loans Review

If you need to take out a loan, navigating hundreds of loan providers can be highly confusing. However, you don’t have to do all of the research and hard work yourself. With companies like AmOne, you can find the perfect loan provider in minutes. And you don’t have to enter any payment information or undergo a credit check to start.

AmOne review hero image
Min. Credit Score
Min. Credit Score 550+
Loan Amounts
Loan Amount $100-$50K
Est. APR
Loan Repayment 12-72 months
Eric Rosenberg
Written by:Eric Rosenberg
Financial Writer

Reviewed by: Carrie Pallardy, Freelance Writer and Editor

Fact Checked by: Somer G. Anderson, Accounting and Finance Professor Ph.D., CPA, CGMA, CFE


Many or all of the products featured here are from our partners who compensate us. This may affect which companies we write about and where the company appears on a page. However, any analyses or reviews expressed in this article are those of the author alone and have not been approved or endorsed by any partner.

AmOne is an online lending service company that helps users compare personal loan options. With AmOne, you can explore dozens of lenders to find the right personal, business, or consolidation loan that matches your borrowing needs.

AmOne works with providers that accept a range of credit scores, so it’s a great solution for borrowers with lower credit scores. If you want a speedy and reliable way to take out a loan, AmOne is an excellent place to begin your search.

Summarized Ratings

This parameter considers loan term lengths, loan minimums and maximums, and the extent of loan use limitations. Each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall loan features score.

AmOne gets a solid 4.0 for Loan Features. This reflects the loan aggregator’s fairly flexible term lengths and loan limits, along with the absence of any loan use limitations.

AmOne Pros and Cons

AmOne Pros
Variety of personal and business loans
Fast application process
Loans are available for borrowers with low credit scores
AmOne Cons
Loan terms and fees vary by providers
Some loan providers have high interest rates

Types of Personal Loans Offered by Amone

AmOne works with a network of lenders to connect its customers with many different kinds of loans.  

Common loan uses

Prohibited uses

  • Crypto loans

AmOne Loan Features

AmOne helps you find loans ranging from $100 to $50,000. You can take out a loan to help with expenses such as:

The variety of loan offerings is a perk of using AmOne. However, loan terms, repayment optionality, and limits vary depending on the provider AmOne connects you with. 

Loan terms

Varies depending on provider, but many loan terms range from 12 to 72 months

Repayment period

Varies depending on provider

Loan amount

$100 to $50,000

Loan use limitations

Wide variety of acceptable loan uses

AmOne Interest Rates and Fees

Since AmOne matches you with numerous loan providers, fees and loan terms vary by provider. Lenders will consider factors like the loan amount, loan term, and your credit score when setting interest rates and fees.

Loan providers often have wide ranges of interest rates and fees. For example, interest rates range from 4.37% APR to 35.99% APR for debt consolidation and personal loans, depending on the provider.

Some providers, like Upstart, charge 0% to 8% in loan origination fees, so this is another variable fee. Some lenders do not charge origination fees. Other fees, like prepayment and late payment fees, depend on the lender and specific loan term, so be sure to read the terms of any loan carefully. 

Borrowing/origination fees

Varies depending on lender

Prepayment fees

Varies depending on lender

Late payment fees

Varies depending on lender

Other fees

Varies depending on lender

Interest rates

Approximately 4.37% to 35.99% APR


AmOne Qualification Requirements

AmOne’s network of providers offer loans for borrowers with credit scores between 500 and 850. However, higher credit scores mean you get more offers and better loan rates and terms.

You have to be 18 or older and a U.S. citizen to apply for a loan through AmOne. You don’t pay membership fees, and while you can open a joint application with a co-signer, this isn’t a requirement.

When applying, AmOne asks you for your annual income and employment status. There isn’t a specific income requirement, but lenders will likely ask for proof of steady income and employment during the application process.

Membership requirement


Minimum credit score


Income requirements


Co-signer/Joint application requirements



AmOne Application Process

AmOne’s application process is straightforward. AmOne doesn’t run a hard-pull or soft-pull credit check. It simply matches you with potential loan providers.

When you search for a loan with AmOne, the information you will need to provide includes:

  • The purpose of the loan
  • How much you’re borrowing
  • Your employment status (employed, self-employed, not employed, or other)
  • Annual pre-tax income
  • If you’re including a co-applicant
  • If you own or rent your home
  • Your name, date of birth, and address

Once you provide this information, you enter your phone number, email, and SSN to view your loan options.

All-in-all, AmOne’s loan application process takes about two minutes. Depending on your credit score and the amount you wish to borrow, AmOne may show multiple loan options. Borrowers may find this useful for shopping around.

When you pick a loan provider, AmOne redirects you to that provider’s website to complete your application. This process is more in-depth, and you may be required to provide proof of address, identity, income, and employment. Usually, this means uploading your ID and documents  like utility bills, pay stubs, or W-2s.

Lenders also need your banking information since most deposit funds directly into your account. When accepting loan terms, lenders generally run hard pulls on your credit, which can slightly lower your credit score. If everything checks out, you can get loan funds as soon as one business day with certain lenders.

AmOne Customer Support

You can contact AmOne customer support toll-free by calling 1-800-781-5187. Support hours are available Monday through Friday, 9:00 am to 9:00 pm ET, and on Saturday from 9:00 am to 5:30 pm ET.

AmOne does have an online contact form, but it’s for PR and media inquiries or consumer data inquiries, not for loan help. There isn’t a live chat support feature, so calling is your only option.

AmOne has plenty of blog articles and an in-depth FAQs page that answer many common loan questions. AmOne has a 4.6-star review on Trustpilot, and many customers report positive customer support experiences and ease-of-use.

Here’s what two customers say about their experience using AmOne:

  • Kimberly Powers says: “Very Helpful and didn't waste any time getting me connected with someone who could help me. I was [hesitant] to call back after I received a few voicemails, expecting the same old song and dance. Not [the] case this time, glad I made the call.”
  • Fausto Villalobos says: “Very helpful representative. I know that I [paid] a high interest fee for the loan, but nevertheless, I was in need of the loan for funeral expenses for my cousin, and I have zero regrets. Your representative was courteous, knowledgeable, and an asset to your company.”

AmOne Online Reviews

When you read other AmOne reviews on websites like Trustpilot or forums like Reddit, reviews are generally positive.

Typically, borrowers like how speedy AmOne is at connecting them to a loan provider. AmOne also works with borrowers with low credit scores, a positive for anyone struggling with poor credit. AmOne’s convenience and easy application process are also perks.

As for negative AmOne reviews, complaints are usually directed at loan providers and rates, which aren’t under AmOne’s control.

The positive reviews are related to

The negative reviews are related to 

Quick and easy loan approval process

High interest rates

Loans for borrowers with low credit scores

Confusing application process with loan providers

Fast loan approvals

Loan providers’ customer support


AmOne Perks and Bonuses


  • AmOne helps you find a variety of loan providers, ranging from personal loans to debt consolidation loans.
  • Since AmOne works with dozens of partners, you can more easily shop around for different loans.
  • AmOne lets you apply for loans independently or with a co-signer.


  • AmOne connects you with loan providers and is transparent that these providers might charge additional fees and have their own loan terms.
  • You can view various loan rates from AmOne’s partners on its website before applying with the loan provider.


  • AmOne’s loan finder tool is very easy to use, and you can find loan providers that suit your needs within a few minutes.
  • You can use AmOne without entering payment information, and the website is very straightforward.

AmOne Compared to Other Lenders

AmOne connects you to its network of lending partners. Overall, it’s a speedy way to find loans that suit your borrowing needs.

Here’s how AmOne stacks up against several other lenders.





Loan terms

12 to 72 months

24 to 72 months

12 to 84months

24 to 84months

Loan amount

$100 to $50,000

$1,000 to $50,000

$600 to $100,000

$1,000 to $50,000

Interest rates

4.37% to 35.99% APR

3.99% to 35.99% APR

4.49% to 35.99%

7.46% to 35.97%

Min. credit Score



600 for most loans


Co-signer requirement

Co-signers allowed with some lenders

Co-signers allowed with some lenders 

Co-signers allowed with some lenders



Final Thoughts

If you need a quick and reliable way to compare online personal and business loans, AmOne is a great place to start your search.

Its online loan search tool is easy to use, and you don’t need to enter payment information to compare various providers. Overall, it’s a very user-friendly and transparent process.

About the Author

Eric Rosenberg

Written by: Eric Rosenberg

Financial Writer

Eric Rosenberg is a financial writer, speaker, and consultant based in Ventura, California. He holds an undergraduate finance degree from the University of Colorado and an MBA in finance from the University of Denver.

More about me
Carrie Pallardy

Reviewed by: Carrie Pallardy

Freelance Writer and Editor

Carrie Pallardy has six years of experienceas as a dedicated freelance writer and editor. She covers a wide variety of topics, including personal finance, insurance, and cybersecurity. Carrie has written for Investopedia, Policygenius, and more.

More about me

Fact checked by: Somer G. Anderson Ph.D., CPA

Accounting and Finance Professor Ph.D., CPA, CGMA, CFE

Somer G. Anderson has been working in the Accounting and Finance industries for over 20 years as a financial statement auditor, a finance manager in a large healthcare organization, and a Finance and Accounting professor at Maryville University.

More about me