Types of Personal Loans Offered by Amone
AmOne works with a network of providers to connect its customers with the right loans. This largely includes personal loans and several other loan categories:
Common loan uses |
Prohibited uses |
- Personal loans
- Debt consolidation loans
- Small business loans
- Start-up loans
- Unsecured loans
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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:
- Auto
- Business funding
- Credit card debt
- Debt consolidation
- Emergencies
- Home improvement
- Medical and dental procedures
- Student loan refinancing
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. Furthermore, factors like the loan amount, loan term, and your credit score can impact 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. 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 550 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 if you’re employed. 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 |
None |
Minimum Credit Score |
550 |
Income Requirements |
None |
Co-signer/Joint Application Requirements |
Joint applications are optional
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AmOne Application Process
One advantage of AmOne is that the application process is straightforward. AmOne doesn’t run a hard-pull or soft-pull credit check or impact your credit score as it’s simply matching you with loan providers.
When you search for a loan with AmOne, the information you 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 borrowing amount, AmOne may show multiple loan options, which is useful for shopping around.
When you pick a loan provider, AmOne redirects you to the provider’s website to complete your application. This process is more in-depth, and you may be required to provide proof of address, identity, and income and employment. Usually, this means uploading your ID and documents that prove your address and income, like a utility bill and pay stubs or W-2s.
Lenders also need your banking information since most deposit funds directly. Also, note that when accepting loan terms, lenders generally run hard pulls on your credit, which can slightly hurt your credit score. But if everything checks out, you can get a loan 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, and on Saturday from 9:00 am to 5:30 pm Eastern Time.
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 FAQ that answer many common loan questions. AmOne has a 4.7-star review on Trustpilot, and many customers cite customer support and ease-of-use as being positive.
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 with loan providers |
Fast loan approvals |
Customer support of loan providers |
AmOne Perks and Bonuses
Flexibility:
- 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.
Transparency:
- 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.
Technology:
- 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, and overall, it’s a speedy way to find loans that suit your borrowing needs.
That said, AmOne is just one option on the market. Here’s how AmOne stacks up against several other lenders
|
AmOne |
Lendingtree |
Credible |
Upgrade |
Loan Terms |
12 to 72 months |
24 to 72 months |
12 to 72 months |
24 to 72 months |
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 |
2.49% to 35.99% APR |
2.99% to 35.99% |
5.94% to 35.97% |
Min Credit Score |
550 |
585 |
620 for most loans |
560 |
Co-signer Requirement |
No |
No |
No |
No |
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 process that’s transparent.
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 process that’s transparent.