AmOne Personal Loans
AmOne is a loan matching service that connects borrowers to reputable lenders. AmOne can help reduce the stress of looking for a personal loan that best meets your needs while also offering convenience and expertise. After providing them with a brief summary of your needs and financial profile, they connect you with reliable lenders who match your profile.
AmOne’s free loan matching service is headquartered in Fort Lauderdale and was founded in 1999. AmOne combines the use of proprietary software technology, years of feedback from site users, and their own expertise to rank the best solutions for those seeking personal loans. The result is a rating system that allows AmOne to steer consumers towards the most reliable lenders who will best meet their needs. AmOne’s credit assistance has yielded $4 billion in loan approvals nationwide since its founding.
AmOne Loan Types and Terms
In addition to personal loans, AmOne matches individuals for business loans, debt consolidation loans, auto loans, and partners with cardratings.com for credit card offers. AmOne also offers free credit assistance.
|Loan amount||$1,000 – $50,000|
|Repayment terms||Varies depending on lender|
|APR||Varies depending on lender|
|Minimum credit score||No minimum|
|Lender type||Marketplace lender|
|Good for:||Personal loans, borrowers who would like additional guidance and assistance|
Who AmOne is Good For?
- Personal loans
- Business loans
- Poor credit
AmOne streamlines the loan process by matching individuals and businesses with lenders based on the borrower’s profile. Their strength is their customer service – they provide personalized assistance by assigning a “financial search specialist” to your case. These financial search specialists provide answers to your questions about your loan options, boost your chance of success, and simplify the process of choosing a lender.
In addition to providing personalized assistance, AmOne has experience working with borrowers with no or low credit. AmOne’s financial search specialists can assist such borrowers in finding alternatives if they have been denied for a loan. They can also help identify ways to improve a borrower’s financial profile to improve their chances of securing a loan.
To weigh the benefits of using AmOne’s services, borrowers can consider the following pros and cons:
AmOne Financial Personal Loans: Pros
- Simple form for submitting information
- Instantly matched with reputable lenders based on the borrower’s profile
- Access to an assigned financial search specialist and live support
- Borrowers do not have to submit a credit check (soft or hard) until you apply directly with a lender
- Rates, terms, or fees can be provided immediately after your form is submitted
AmOne Personal Loans: Cons
- The borrower will still need to compare several lenders, which can be time-consuming
- AmOne’s live service is not provided 24/7
How to Apply
When using AmOne, the first step is to provide some introductory information by either calling them directly or completing an online form. Required information on the form includes contact information, information about the loan sought, and information about your financial standing, including your credit score. Because you self-report your credit score range, it does not require a credit check. You will be immediately provided a list of lenders who match your profile.
After submitting your information and seeing your list of matched lenders, you can speak with a financial search specialist who will provide you with further assistance and answer any questions you may have. The financial search specialist is assigned to your case in order to provide ongoing assistance as needed.
From this point, you can decide which lender may be a good fit for you. Follow the links on AmOne to be directed to your chosen lender’s website, where you will continue your application from there.
Terms & Requirements
After submitting the initial application form, you will see some key details related to the possible loan terms for each lender. However, you will not have access to the final loan terms, rates, and fees of an offer until you have applied directly with a lender. Keep in mind that applying for a loan directly with a lender will require a hard credit check.
- AmOne does not specify any minimum credit score as part of their process, however, lenders consider a borrower’s credit score and their financial history during the application process
- You must be at least 18-years-old to use AmOne’s site and services. Otherwise, AmOne does not delineate any criteria for borrowers since each lender has its own criteria.
- Each lender will offer different terms, fees, and rates. APR rates range from 3.99% – 35.99 %
- A personal loan amount ranges from $1,000 to $50,000.
- Loans available include personal, debt consolidation, and business loans.
- Range from 24 – 48 months
Privacy & Security
AmOne prioritizes its users’ privacy and security by following industry standards to protect information during and after transmissions and encrypts sensitive information (i.e. Social Security Number) using SSL technology.
AmOne can be contacted via phone or their online contact form. If you fill out your application during business hours, AmOne states you will receive a phone call from a financial search specialist within an hour, and often within fifteen minutes. Note that once you have decided on a lender and proceeded with your application, you will be communicating directly with the lender moving forward, rather than with AmOne.
AmOne reduces the burden of sifting through a multitude of prospective lenders by instantly providing a list of reputable lenders. It’s free and easy to use, their online application form takes just a few minutes to fill out, and they don’t require a credit check.
Although AmOne doesn’t allow for direct comparison of loan terms between lenders, it does offer a list of lenders that match the borrower’s profile. Additionally, AmOne provides access to a financial search specialist to answer questions and assist the borrower to choose the lender which best meets their needs.
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