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AmONE Review

Reviews 2,214
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Reviews 2,214
Bestmoney Staff
Mar. 31, 2024
4 min read
BestMoney Staff
AmONE Summary
AmONE is an established lender marketplace offering a variety of loan, credit, and debt solutions with good terms and low rates through its network of lenders. After comparing available options that suit their specific needs, borrowers can apply for a tailor-made loan for free.


  • Access multiple lenders with one easy form
  • Get matched to top lenders for free
  • U.S. based live support


  • Higher loan amounts only available for excellent credit scores
  • Not a direct lender, meaning rates can vary

AmONE at a glance

Editorial score

Variety of loan types

Offers all loan types

Online experience

Good online resources

Customer services and support

Multiple ways of reaching lender, including live phone service representatives

Loan amount range

Loan amount up to $100K

Repayment flexibility

Loan terms 60 months+



Founded in 2005, AmONE helps customers find financing, credit, and debt solutions. While it does not originate loans, it has helped customers access over $16 billion in funds since its establishment, all free of charge. It provides a simple application that connects you to a network of lenders while letting you find tailored lending solutions. AmONE also owns and operates a customer service call center in Florida to answer any question you may have about your loan options or help you find alternative products that meet your financial needs.

Suitable For?

AmONE is ideal if you’re looking to consolidate debt and lower your monthly payments or finance major purchases, special events, or projects that require quick funding, 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 choosing 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.

Loan Features

While AmONE is not a direct lender, its loan partners work with borrowers with 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 services, letting you complete your loan application without an obligation to accept any terms offered by its partners. It also offers a host of educational resources including articles and guides on personal loans, the basics of financing, and budgets.

Highlights for AmONE

  • Network of reliable loan providers
  • Range of loan amounts and terms available
  • No charges for applying or finding a loan
  • Single application for preapproval and matching
  • Compare different offers in a single location
  • Educational resources for prospective borrowers
  • Borrowers with all credit backgrounds welcome to apply
  • Flexible loan purposes

Application Process

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 asks for basic information including contact details, monthly income, and specifics relating to employment. AmONE does not ask for your Social Security number. You’ll be asked to provide:

  • Employment status
  • Annual income
  • Date of birth
  • Contact information such as phone number and email
  • Zip code and basic geographic information

In order to qualify for a loan you will need to meet the following requirements:

  • Be a US citizen or legal permanent resident
  • Be 18 years or older
  • Have a verifiable bank account
  • Have a steady source of income

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 terms with a provider, you’ll complete the application process directly with the selected lender. It is important to note that at this step AmONE will no longer be involved in the approval process as it only works to connect lenders to prospective borrowers.

Loan Terms

Unlike many direct lenders, AmONE gives its customers choices. It does not originate its own loans, but it does have a network of reliable lenders who specialize in a variety of fields, from credit card refinance, home improvement, to special events (e.g. wedding) financing. Thanks to this strong network, you can find a loan that is tailored to your needs while benefiting from competitive rates due to the number of 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 good credit and high income, but the company’s partners offer a wide enough range that any borrower can find a useful loan with little trouble.

Repayment Terms

You can choose from a range of available loan terms and amounts with AmOne’s partners. The lender network offers loan terms that range from 12-84 months. Additionally, you can request as little as $1,000 or as much as $100,000. 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.  

Privacy & Security

AmONE is transparent about what personal data it collects and what it’s used for. 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.

Help & Support

Getting in touch with AmONE is as simple as calling the number on their website or answering the phone if they call. There is no option to live chat, but email queries which are usually answered in as little as one business day.

How AmONE Compares

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 lacks a mobile app but makes up for it with flexible loan terms, no minimum credit score, and a call center based in Florida.


AmONE offers a variety of loan options through its network of lenders with good 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 free service with transparent and reliable results.


How much can I borrow?

You can apply for a loan for up to $100,000, and instead of waiting on a long, tedious process, you can get your funds in as little as 1 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, credit card consolidation, home improvements or even in an emergency.

What credit score do I need 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 and has helped its customers gain access to over $16 billion in funds since it was founded.

Physical Address


950 Tower Lane, 6th floor

Foster City, CA



BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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Trustpilot reviews
See what some customers are saying about AmONE
Excellent • Reviews 2,214
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David Givens
12 hours ago
You know I love the name that really…
You know I love the name that really brought me to it you know it's a good name catchy name am American you know one where American woman so one not one.p that's me and I am not that I'm sorry I don't know why I said that but my business going to be hillbilly quesadillas and grilled cheese and I can have a truck ready within a month if I had the funds I would like to open up on memorial Day weekend to see how it goes do a test run with it but with all the trucks out there food trucks only well will I do thanks. DG
Happy Customer
18 hours ago
Fabulous experience
Easy, fast, and quick offers, and funding !!! Saving me so much to consolidate and get to debt free !!!
Ruth Coy
3 days ago
Thank you
Thank you for your help.
Javier Ramos
4 days ago
New client
Very good cervices
5 days ago
Breathing a Sigh of Relief
Emily, Kristine and Javier were all very professional and friendly. All made me feel comfortable during a very stressful and embarrassing time. I was given all options and Kristine spent quite a bit of time with me. I appreciate all and thank you.