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AmOne Personal Loans Review

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AmOne is an online marketplace that provides potential financial solutions for its users. The company’s matching algorithm and machine learning help borrowers get matched with the best available loan provider or financial product that meets their personal financial needs. Founded in 1999 in Florida, AmOne has over one million customers.
 
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How is AmOne rated?

Breakdown

4.5/5
Flexibility
5.0/5
Interest Rates
5.0/5
Discounts & Fees
4.5/5
Customer Service and Reputation

Overall Rating: 4.8 / 5 (Excellent)

AmOne is a loan marketplace that assesses consumers individual financial needs and matches them with the best lender for them. Lenders include Marcus, SoFi, Lightstream, Best Egg, Prosper, LendingClub, LendingPoint, Avant, FreedomPlus, and many others that cover the entire credit spectrum. AmOne matches consumers with financial products in minutes, does not require a minimum credit score, and has an excellent rating from Trustpilot.

AmOne Loan Specifics

Loan Specifics - 5 / 5

AmOne is a loan marketplace than can help consumers who need anywhere from $1,000 to $100,000 match with lenders who will offer terms and interest rates appropriate to each individual consumer’s specific needs and financial profile. AmOne's partners specialize in a variety of loan types, including 1) unsecured personal loans for debt consolidation, home improvement, travel, household expenses, etc.; 2) secured loans to purchase vehicles, boats, and RVs; and 3), small business loans.

Loan Uses

Debt/Credit Card Consolidation
Buy Home
Major Purchase
Home Improvement
Medical Expenses
Wedding
Moving/Relocation
Vacation
Start Business
Education
Taxes
Loan Minimum
$1,000.00
Loan Maximum
$100,000
Term Length
3 - 120 months

AmOne Qualification

Qualifications & Flexibility - 5 / 5

AmOne’s network of lenders and financial partners cover the full spectrum of American consumers from the very highest superprime consumer to the absolute lowest of subprime consumer. To use AmOne's free service, borrowers start by completing a standard personal loan application with ten basic questions including loan purpose, requested loan amount, and some personal information like name, address, income, date of birth, etc. all of which takes about a minute to complete. AmOne does NOT ask for your Social Security Number. After completing the application, users must agree to AmOne's terms and services and “submit the application. Within about 45 seconds after submitting the application, AmOne will return firm offers of credit from its network of lenders at which point the borrower will click on the offer(s) they like best and go to the lender’s site(s) to complete the final steps of the lender’s application. Once complete, the borrower will receive their funds within 2 – 3 days. It's important to note that although AmOne welcomes customers with a wide range of credit histories, approval requirements and loan terms are determined solely by the lenders themselves.
Personal Income Considered
Yes
U.S. Citizen
Yes
Hard Credit Pull
No

AmOne Cost of Loan

Costs, Interest Rates, Discounts & Fees - 5 / 5

Since AmOne is an online marketplace, it doesn't set an APR range, origination fees, or penalties. These are determined by the lenders and financial institutions AmOne matches users with. AmOne works with over 70 financial institutions that cover the full credit spectrum of American consumers and can match borrowers with rates and terms that they best qualify for.
APR Range
5.99% - 35.99%

AmOne Reputation

Customer Service and Reputation - 5 / 5

When it comes to online reviews and reputation, AmOne shows solid results. The company scores an excellent (5 star) rating on Trustpilot, with 757 positive reviews and only 16 poor-to-bad reviews. AmOne also has an A+ rating on the Better Business Bureau, although the company is not accredited by them and there are no reviews or complaints on file. Additionally, AmOne has only one complaint on the CFPB website that was solved in a timely manner.
Type of Institution
Marketplace
Year Founded
1999
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
0
Trust Pilot Rating
4.5 out of 5
Consumer Financial Protection Board (CFPB) Complaints
1
Date Collected
2021-02-17

Disclaimer

AmOne does not promise users a direct, perfect match, but its free service will do its best to help customers with their loan and personal financial goals.
Headquarters Address
12331 SW 3rd Street, #700, Fort Lauderdale, FL, 33325
Homepage URL
https://www.amone.com/loans/personal-loans/

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Customer Comments & Reviews

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kmschwanert
4/20/2023
Complete waste of time. I specifically said "no tribal lenders" and their site sent to 5KFUNDS which referred me to 3 tribal lenders within 5 minutes. Now my email is getting messages like crazy for these overpriced payday loans. They just keep rerouting you to other sites that are also not direct lenders.

Top Rated
Our Partner
  • Loan Amount: $2,000 to $50,000
  • APR: 4.60% - 35.99%
  • Loan Term: 12 to 84 months
  • Explore all your options at once and find the best offers for you.
  • You can get your funds in as little as 1 day from approval.
  • Loan consultants available to help you understand your options.

Sample loan: a four-year $15,000 loan with an interest rate of 15.49% and an APR of 18.34% will require an estimated monthly payment of $421.20 and a total cost of $20,217.43.

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