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AmOne personal loans review

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While it doesn't have credit or income requirements, watch out for potentially high rates.

finder.com’s rating: 4.1 / 5.0

★★★★★

  • Best for borrowers looking for a high maximum loan amount.
  • Pick something else if you have good credit and want lower rates.

$50,000

Max. Loan Amount

Starting from 6.78%

APR

Available for all credit scores

Min. Credit Score

Details

Product NameAmOne personal loans
Min. Loan Amount$1,000
Max. Loan Amount$50,000
APRStarting from 6.78%
Interest Rate TypeFixed
Min. Credit ScoreAvailable for all credit scores
Turnaround TimeVaries by lender

Expert review

Anna Serio

Review by


Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 950 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

AmOne’s personal loan connection service is ideal if you’re struggling with your finances and aren’t sure where to look to find a personal loan you might qualify for. It’s not great for low-interest loans, but it can help you compare offers from multiple lenders to find the best deal available to you.

While it doesn’t give much information on the rates you can expect, it does provide an online list of the partners in its network. Just keep in mind that since its partner lenders work with poor-credit borrowers, you could face APRs in the triple digits.

Want to check out more options before signing up? Compare even more of your personal loan options.

How much will this loan cost me?

We were not able to confirm the range of rates AmOne’s partners offer when we called customer service. But previously rates started as low as 6.78%. Depending on your lender, this might include an origination fee.

Its partners offer loans from $1,000 to $50,000 — though it’s not transparent about how long you might have to pay it back. You can use the calculator below to see how much a loan at different rates, terms and amounts might cost you.

Monthly repayments calculator

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Fill out the form and click on “Calculate” to see your estimated monthly payment.

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How it works

You’ll generally need a credit score of at least 750 — what AmOne considers to be excellent credit — to qualify for the lowest rates and highest loan amounts. Your income and monthly debt repayments can also affect the rates, terms and loan amounts you’re eligible for.

To get a more accurate idea of which rates you might qualify for, fill out the form on AmOne’s website.

What do I need to qualify?

You need to meet the following requirements at a minimum to sign up to be matched with a lender through AmOne.

  • Age 18 years or older
  • US citizen or permanent resident

What information do I need to sign up?

  • Employment status
  • Pretax income
  • Estimated credit card debt and bankruptcy status
  • Date of birth and Social Security number

Pros and cons

AmOne might be useful to some borrowers. But it’s not right for everyone. Weigh the benefits and drawbacks before you use this service.

Pros

  • No credit check until you decide on a lender
  • Can apply with a coapplicant
  • Positive customer reviews

Cons

  • Won’t disclose potential rates and terms
  • Little information available online
  • May receive multiple calls from lenders with your information

See other personal loan options

If AmOne isn’t checking all the boxes for you, keep comparing your options. You can start by using our table.

Data indicated here is updated regularly
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Credible personal loans
4.99% to 35.99%
Fair to excellent credit
$100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
SoFi personal loans
5.99% to 18.53%
680
$100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
Upstart personal loans
8.69% to 35.99%
580 or 600 depending on state of residence
$50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
LendingTree personal loans
Starting from 3.99%
Good to excellent credit
$50,000
Receive up to five loan offers in just minutes through LendingTree's simple online form.
NetCredit personal loans
34% to 155%
No minimum
$10,500
Check eligibility in minutes and get a personalized quote without affecting your credit score.
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Compare up to 4 providers

Is AmOne legit?

Yes, AmOne is a legally operating connection service. It encrypts the information you enter through its website to keep it safe from hackers. And it’s upfront about the fact that it doesn’t fund loans directly — not all online connection services are. It also has a customer service line you can call, which also isn’t standard for online connection services.

But while it has a privacy policy, that doesn’t cover what AmOne’s partners do with your information. This makes it hard to tell how your information is being used or shared when you fill out the form.

What do customers say about AmOne?

BBB accreditedNo
BBB customer reviews1 out of 5 stars, based on 2 customer reviews
Trustpilot score4.7 out of 5 stars, based on 812 customer reviews
Customer reviews verified as of20 May 2020

While the only three BBB reviews are negative and mention AmOne’s poor customer service, borrowers on Trustpilot state that AmOne is professional and prompt at answering questions. The more important party to look up, however, is likely going to be the lender you’re matched with.

How do I sign up?

Follow these steps to fill out AmOne’s form to potentially get connected with a lender.

  1. Go to AmOne’s website and select your loan type and credit score range. Click Check my options.
  2. Follow the instructions to enter your personal information, loan amount and purpose.
  3. Read the terms of use, disclosures and privacy policy before clicking Get my options.

What happens after I sign up?

Once AmOne receives your information, it will email you with potential offers from lenders. Depending on your situation, you might also receive a call from a specialist to discuss your options.

Weigh your offers by comparing features like loan rates, amounts, terms, monthly repayments and online reviews. Select the one that best fits your needs — or continue your search for a lender. Follow your lender’s directions to apply for the offer you select.

How do repayments work with AmOne?

Because AmOne connects you with a lender, it won’t handle your repayments. Contact your lender directly with any questions you have about your loan term, repayments or potential fees. You can find details of when your loan is due, how much you owe and your term on your loan contract.

AmOne business and startup loans

Need funding for your small business — or even a startup? AmOne offers small business and startup loans that can help your business grow or get off the ground. Business loans are available in larger amounts, ranging from $1,000 to $200,000.

Without hard requirements to apply, AmOne tries to connect you with a lender that can get you the money you need.

See how AmOne stacks up to direct lenders with our guide to personal loans.

Frequently asked questions

Personal loan ratings

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★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.

Read the full methodology of how we rate personal loan providers.

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