AmONE Review: Compare Loan Offers Easily – Best for Good Credit
AmOne personal loans isn't available on Finder right now.
- Max. Loan Amount
- $100,000
- APR
- 6.49% to 35.99%
- Min. credit score
- Varies by lender
Our verdict
This loan matching service connects you with top lenders, but it also offers other financial products.
AmONE calls itself a “financial matching service,” which includes access to credit repair services and debt settlement providers in addition to personal loans. Loan amounts range from $2,000 to $100,000 with loan terms up to 84 months. Its partners include many highly rated lenders, and rates start as low as 6.49%. However, if you don’t qualify for a personal loan, AmONE likely refers you to debt relief companies, credit repair services or other financial products, and applying can lead to solicitations from multiple providers.
Best for: Borrowers with good credit who want to compare loan offers with one application.
Pros
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Compare multiple loan offers
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Rates as low as 6.49%
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Loan amounts up to $100,000
Cons
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Need good credit to qualify for competitive loan rates
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May be referred to non-loan financial products instead
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Applying can lead to excessive solicitation
Is AmONE legit?
Yes, AmONE is a legitimate marketplace for loans and other financial products. Founded in 1999, AmONE is owned and operated by QuinStreet, Inc., a publicly traded company that runs a number of online marketplaces matching consumers with financial solutions.
The company takes the protection of your information seriously and uses bank-level encryption to secure your data. It doesn’t sell your information, but it may share it with some of its partners. You can view its privacy policy on its website to see how it uses and shares your details.
What makes AmONE shine
Above all, AmONE is transparent about what it does. Unlike some companies, it doesn’t pretend to be a lender and then try to trap you into a debt settlement program. Instead, it states up front that it offers access to everything from personal loans to credit repair services, debt relief programs and debt management plans.
It has partnerships with top-rated lenders, including SoFi®, LendingClub, Happy Money, Upstart, OneMain Financial and more. And its lending partners have options for borrowers with a range of credit scores. Rates can start as low as 6.49%, although the best rates are typically reserved for customers with credit scores of 700 and higher.
It also openly acknowledges that not everyone qualifies for a personal loan, and that’s why it may instead connect you with other providers that can help fix your credit or pay off your debts.
Where AmONE falls short
AmONE is not a direct lender. It only matches you with lenders and other financial products, so it doesn’t have a say in the approval process. This frustrates some potential borrowers who were preapproved by AmONE but ultimately got denied by the lender.
Plus, while marketplaces such as AmONE give people access to multiple solutions, the inevitable drawback is that you may get more offers than you want or need. If this happens, you’ll need to unsubscribe, possibly from several sources, which can be tedious.
AmONE personal loan details
| Minimum credit score/credit range | No minimum stated/varies by lender |
| APR | 6.49% to 35.99% |
| Loan amount | $2,000 to $100,000 |
| Terms | 12 to 84 months |
| Approval turnaround | As soon as the same day |
| Availability | Varies by lender/may not be available in all states |
| Fees | Varies by lender |
AmONE contact info
| Phone number | 888-401-0330 |
| Customer service hours | Not listed |
| info@amone.com | |
| X, formerly Twitter | @AmOneMoney |
| N/A |
Calculate your monthly loan payment
Use our loan repayment calculator to compare monthly loan payments and the total cost of the loan based on different rates and loan terms.
Monthly Repayment Calculator
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How to qualify for AmONE
AmONE doesn’t specify exactly how to qualify for loans, and requirements vary by lender, but here’s the general criteria.
- A job or other source of income
- Credit score of 600 or higher
- Debt-to-income (DTI) ratio of 50% or less
- Valid checking account
- At least 18 and a US resident
How to apply
You can call AmONE directly or start the application process online.
- Fill out the loan application.
- Get matched with top lenders in just a few minutes.
- Compare offers to find the best fit.
- Speak to a “match specialist” to walk you through the final steps.
AmONE only conducts a soft credit check to see if you prequalify. Once you’ve selected a loan offer, an AmONE specialist guides you through the formal application process. At this point, most lenders conduct a hard credit inquiry to determine loan approval.
How AmONE compares to other lenders
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseWhat is the Finder Score?
The Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
AmONE reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 2.58 out of 5 stars, based on 48 customer reviews |
| Trustpilot Score | 4.2 out of 5 stars, based on 2,925 customer reviews. |
| Customer reviews verified as of | 15 July 2025 |
AmONE has mixed reviews on both the Better Business Bureau (BBB) and Trustpilot. Satisfied customers praise the quick and easy application process, reasonable rates, the ability to compare multiple loan offers and fast funding.
But many applicants are unhappy that they weren’t approved for a loan. Others were disappointed in the number of solicitations they received or being offered debt relief or credit repair services rather than a loan. The company responds to nearly every review and explains that it’s a financial matching service, not a direct lender, and that it offers alternative financial products to applicants who aren’t eligible for a loan.
What do people on Reddit say?
Frequently asked questions
Does AmONE charge a fee?
No. AmONE is a free connection service that doesn’t charge any fees. Most likely, it gets a fee from its partner providers if you get a loan by using its service. However, the lender you use may charge fees if you’re approved for a loan.
Does AmONE require proof of income?
No. The AmONE application asks you to state your income, but you won’t have to submit proof of income and employment until you formally apply with a lender.
Your reviews
Lacey Finder
Writer
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