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AmONE Car Loans Review

Reviews 2,238
Visit Site
Reviews 2,238
Kale Havervold
Apr. 15, 2024
3 min read
Kale Havervold
AmONE Summary
Founded in 1999, AmONE is a marketplace for comparing auto loans from different providers. It’s easy to get started, and the company doesn’t charge any fees to instantly match you with lenders in your area. You can borrow up to $100,000, and you’re able to get your funds in as little as 24 hours after approval. The company also has solid reviews and takes your security seriously. It’s available in all 50 states.


  • Compare different loan options and providers instantly
  • Options for those with low credit
  • Quick and easy online application


  • Limited info about each individual lender before application
  • Lackluster FAQs section

AmONE at a glance

Editorial score

Online experience

Helpful resources like guides, loan calculators, and a wide variety of blogs. FAQs section is short.

Customer services and support

Multiple ways of reaching lender with extended hours

Loan Types

Offers all loan types

Repayment Flexibility

Offers multiple repayment plans

Eligibility (credit score)

Accepts all credit types

AmONE AmONE Visit Site


AmONE makes it easy to find the best auto loan for your specific needs. By filling out a single straightforward online application, you can instantly see and compare auto loans from numerous providers with competitive rates. The company also offers solid customer service with extended hours and provides helpful online resources.

Suitable For?

AmONE is best suited for borrowers who want a one-stop shop to compare different auto loans. Instead of having to fill out dozens of applications, AmONE does all the heavy lifting for you so you can directly compare loan offers to find the best one.

It’s also a good choice for those with poor credit, as many providers it works with are comfortable lending to those with lower credit scores.

AmONE Features

  • Streamlined online application
  • Instantly compare offers from various lenders
  • Suitable for those with good or bad credit
  • Helpful online resources and calculators
  • Available in all 50 states

Application Process

You can apply online by visiting the AmONE website. Choose the type of loan you want, and click the “See your loan options” button. Next, you’ll need to select how much you want to borrow and what the auto loan is for (new purchase, repairs, refinance, etc.).

After that, you’ll have to provide some personal information, including  

  • Name
  • Date of birth
  • Address and ZIP code
  • Employment status
  • Income
  • Whether you own or rent your home
  • Email
  • Phone number

Next, you’ll see a list of loan options from various providers. Once you choose the offer you want, you can complete the application with the chosen provider and authorize a credit check. If you’re approved, you can get the funds as quickly as 24 hours after approval. 

The application only takes a couple of minutes to complete. You can direct any specific questions about the loan or terms to the individual lender. Keep in mind that to apply you need to be at least 18 years old and an American citizen or permanent resident.

Alternatively, to apply over the phone, you can call AmONE at 888-401-0330 and speak to a loan expert.

Loan Types and Terms

AmONE is a marketplace that offers auto loans, personal loans, business loans, debt consolidation, home renovation loans, and more. It has no minimum credit score or income requirement. However, lenders consider your income and credit when deciding how much to lend and what monthly payment you’ll likely be able to afford

AmONE offers auto loans between $2,000 and $100,000, with terms that range from 0 to 72 months. Interest rates are between 6.40% and 35.99%. There may be additional costs like loan origination fees and prepayment penalties, but these vary from lender to lender.

Similarly, your exact loan amount, terms, and rates vary depending on your unique situation and the partner you work with.

How Safe Is AmONE?

AmONE is a safe company to work with. It uses reliable security measures, including SSL encryption, to protect your data from unauthorized access or changes. It also doesn't store sensitive information like your social security number or date of birth.

The company has a comprehensive privacy policy that details what information it collects, why it collects it, and how it uses and shares it.

AmONE has a solid reputation in the industry, maintaining a 4.5 rating on Trustpilot with more than 2,000 reviews. Many of the positive reviews highlight the friendly and helpful service, patient agents, and timely responses that the company provides.

Repayment Options

The partners that AmONE works with offer loan terms up to 72 months, but the repayment options vary from one provider to the next. For example, some partners only let you pay monthly, whereas others may let you pay weekly or bi-weekly. Similarly, some let you make early payments without a problem, whereas others charge a prepayment penalty.

Help and Support

AmONE offers customer service over the phone at 888-401-0330 or you can fill out an online form to request help. Phone hours are 8:30am-8:30pm (ET) on Monday-Friday and 9am-5:30pm (ET) on Saturday.

The website includes many helpful resources like guides and loan calculators. In addition, there’s a blog covering a range of topics, including debt, credit, borrowing advice, home improvement, and many others. AmONE also has a short online FAQs section, but it isn’t very comprehensive.

How AmONE Compares

Min. credit scoreNoneNone
Loan amounts$2,000-$100,000$5,000-$300,000
Repayment terms0-72 months12-72 months

Both AmONE and LendingTree are loan marketplaces with no minimum credit score requirement. LendingTree offers much larger loan amounts of up to $300,000, whereas people looking to borrow less than $5,000 should consider working with AmONE. Both companies have partners that offer terms of up to 72 months, but AmONE has more short-term options.


12331 SW 3rd Street, Suite #700, 33325, Fort Lauderdale, United States

AmONE AmONE Visit Site


AmONE is a loan marketplace that helps people find and compare auto loans from numerous different providers. While you can only see specific rates or terms after applying, the easy online application takes only a few minutes to complete. It’s a solid choice for borrowers looking to compare multiple options in one place.

The company doesn’t charge you to use its services, and it's suitable for people with all levels of credit. If you have any questions, AmONE offers customer support over the phone or through an online form. Overall, it’s a reputable company with positive reviews.

Kale Havervold
Written by
Kale Havervold
Kale Haverold is a freelance writer with over 5 years of experience crafting articles about credit cards, loans, debt, and a raft of other personal finance topics. His work has been featured on Top10.com, BestMoney, Yahoo, Hardbacon, and Loans Canada. Kale’s easy-to-digest, research-driven articles stem from his passion to share knowledge that helps readers make informed financial decisions.
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Trustpilot reviews
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Excellent • Reviews 2,238
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