AmOne Review StaffJan. 10, 2021

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In a Nutshell

AmOne, an established marketplace lender, offers a variety of loan options with good terms and rates through its network of lenders. After comparing available options that suit their specific needs customers can apply for a tailor-made loan for free.


  • Range of loan terms and amounts
  • Network of lenders offering good deals


  • Lack of customer support channels
  • Not enough information on rates and terms

AmOne at a Glance

Loan typesUnsecured personal loans
Loan amount$1,000 to $50,000
Repayment Terms12-84 mo.
APR3.49% - 35.99%
Minimum credit scoreNone
Best forCustomers seeking to compare various loan offers
Direct Lender or Marketplace

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Founded in 2005, AmOne helps customers find a financing solution. 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.

Best For?

AmOne is ideal 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.

Loan Features

While AmOne is not directly a 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, financial history, and specifics relating to employment. 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 you 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, one of the best things about AmOne is that it gives 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 medical loans to auto repair. 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 excellent credit, 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’ 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 $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.  

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 filling out an email ticket on the website. There is no option to call or live chat, but email queries 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 can't compete with the low maximum APR, but it's 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 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 $50,000, 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 best 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


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AmOne customer testimonials

ExcellentReviews 858
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  • author
    Jan 18, 2021
    Timely assistance

    Timely assistance, very attentive but without being pushy!


  • author
    Jan 05, 2021
    My mom is going through a divorce

    My mom is going through a divorce, she is disabled and can't work so I needed to get her money for a lawyer. Thank you for lending me the money.


  • author
    Jan 05, 2021
    Easy easy process

    Easy easy process! I put in my information and was able to choose the best product for me. Would definitely recommend!


  • author
    Dec 22, 2020
    Ok very very helpful And quick

    Ok very very helpful And quick


  • author
    Rob M
    Dec 16, 2020
    I saw this ad and decided to check it out

    I saw this ad and decided to check it out. I’m so glad I did, I received a great rate which help me consolidate my high interest credit cards into one low monthly payment with more going to the principal.