Secured vs. Unsecured Debt Consolidation Loans
Feb 14, 2026
How to Consolidate Credit Card Debt: A Guide to Simplifying Payments
Feb 14, 2026
Medical Debt Consolidation: What It Is and How to Do It
Feb 14, 2026
Founded in 2005, AmOne is committed to helping customers find the most suitable financing solution. While it does not originate loans, it has helped customers access over $16 billion in funds since its inception, all at no charge. It provides a simple application that connects you to a broad network of well-respected lenders, allowing you to find the right match for your needs.
AmOne is ideal if you’re looking to finance projects that require quick funds to be repaid later. It doesn’t limit the purpose of loans you can apply for, and it's a great option if you prefer to evaluate your options carefully before getting a loan. AmOne works with a community of established loan providers, and the simple application is a great way to shop around without having to visit every single lender individually.
While AmOne is not a direct lender, its loan partners work with borrowers who have a wide range of credit scores and qualifications. If you are working to improve your creditworthiness, you can find a loan even when other providers may turn you down. AmOne doesn’t charge fees for its services, allowing you to complete your loan application without any obligation to accept the terms offered by its partners. It also offers a range of educational resources, including articles and guides on personal loans, the fundamentals of financing, and budgeting.
Applying for a loan with AmOne is a streamlined process. To get started, you fill out a single form to receive pre-approval. This initial step requires basic information, including contact details, financial history, and specific details related to employment. You’ll be asked to provide:
In order to qualif,y you need to meet the following requirements:
Additionally, you may be required to present more information and meet further qualifications by the loan provider you eventually choose to work with.
Once the application process is complete, you’ll be matched with several potential lenders to effectively compare your options side-by-side. When you agree to the terms with a provider, you’ll complete the application process directly with the selected lender. It is essential to note that at this stage, AmOne will no longer be involved in the approval process, as it only facilitates connections between lenders and prospective borrowers.
Unlike many direct lenders, one of the benefits of AmOne is that it offers customers choices. It does not originate its own loans, but it does have a network of reliable lenders who specialize in various fields, including medical loans and auto repair. Thanks to this strong network, you can find a loan tailored to your needs while benefiting from competitive rates due to the numerous available alternatives. When you receive approval through AmOne, you are immediately matched with several prospective lenders who will extend potential offers.
Some of the higher loan amounts offered are only available to customers with excellent credit, but the company’s partners offer a wide enough range that any borrower can find a useful loan with little trouble.
You can choose from a substantial range of available loan terms and amounts with AmOne’s partners. The lender network offers loan terms ranging from 24 to 84 months. Additionally, you can request as little as $1,000 or as much as $50,000. It is important to note that not all lenders in the network offer the same terms, and that loan specifics are always determined by the loan provider once you’ve accepted a term sheet.
AmOne is very transparent about what personal data it collects and how it’s used. Furthermore, it doesn’t share information with any unauthorized third parties outside of its service partners. It does collect some non-identifiable information to improve services, but all information transmitted to the online site is secured using industry-standard safety measures and encryption protocols.
Getting in touch with AmOne is as simple as filling out an email ticket on the website. You can also call and email; queries are usually answered in as little as one business day.
Phone: 1-800-781-5187
.20201027103253.png "undefined") |  |  | |
| APR | 5.99% - 35.99% | 5.20% - 35.99% | 5.20% - 35.99% |
| Minimum credit score | none | 680 | 580 |
| Loan amounts | $1,000 - $50,000 | $1,000 - $100,000 | $1,000 - $100,000 |
| Loan term | 24 - 84 months | 24 - 84 months | 24 - 84 months |
| Suitable for | Comparing a variety of loan options | Debt consolidation loans | Poor-credit borrowers |
While AmOne and Credible offer very similar APR and loan terms ranges, AmOne pulls ahead due to the fact that there is no minimum credit score and it lets you compare offers from a variety of different lenders.
When compared with Fiona, AmOne can't compete with the low maximum APR, but its flexible loan terms and no minimum credit score make it a viable option for a larger range of borrowers.
AmOne offers a variety of loan options through its network of lenders, featuring favorable terms and amounts. You can find the right loan for your needs after comparing available options instead of having to settle on a loan that doesn’t work for you. Thanks to a marketplace that encourages competition and gives you the upper hand in closing loan terms, AmOne offers a free service with transparent and reliable results.
How much can I borrow?
You can apply for a loan of up to $50,000 with rates starting at 3.99%. Instead of waiting for a long, tedious process, you can receive your funds in as little as one day from approval.
What can I use my loan for?
AmOne doesn’t impose any restrictions on how you use your loan, which means you can use it for anything from debt consolidation loans, credit card consolidation loans, home improvements, or even in an emergency.
What credit score is required to apply?
You don't need to have perfect credit to get a personal loan from AmOne. Instead of going from lender to lender to find something you qualify for, you can let AmOne find the right offers for you and your particular circumstances.
Is AmOne legitimate?
Yes! It is a well-known name in the personal loans industry, having helped its customers gain access to over $16 billion in funds since its founding.
Physical Address
950 Tower Lane, 6th floor Foster City, CA 94404
AI was utilized in the creation of this content, alongside human validation and proofreading.
The BestMoney editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.
