AmOne Review
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AmOne Reviews

7
Justin Estes

WRITTEN BY

Justin Estes

Professional financial assistance
Professional financial assistance
About AmOne

AmOne is a US-based financial technology company founded in 1999. The company’s mission is to help people achieve financial stability and lead healthier lives. AmOne connects borrowers with lenders to provide loans for debt consolidation, home improvement, and other purposes. The company also helps people repair their finances after experiencing financial hardship. In 2008, AmOne rebranded itself to focus on helping consumers who needed to rebuild their finances after the financial crisis. To date, AmOne has connected borrowers with billions of dollars in loans. The company’s ultimate goal is to help people achieve financial success and lead healthier lives by connecting them with lenders who fit their profile. They have positive reviews from many consumer-ratings websites and are accredited by the Better Business Bureau (BBB).

7.0

LS SCORE

6.5

CREDIBILITY

6.5

SUPPORT

6.5

ACCESSIBILITY

AmOne Personal Loans Review

AmOne’s personal loan business line offers funds for personal purposes, such as consolidating debt, buying a car, or making another large purchase. The application begins with the loan purpose so the customer can connect with lenders who fit their profile. AmOne has a wide variety of personal loan products to choose from, so finding the right fit is easy. There are also several options for repayment, so customers can find a plan that works best for them.

AmOne Personal Loans Highlights

LOAN AMOUNT

$500 - $50,000

LOAN REPAYMENT TERM

24-84 months

MIN CREDIT SCORE

580

APR FIXED RATE

2.49% - 35.99%

APR VARIABLE RATE

3.99% - 35.99%

FUNDING TIME

2-3 business days on average days

ORIGINATION FEE

3

PREPAYMENT FEE

None

OTHER FEES

None

SOFT CREDIT PULL

No

LENDER TYPE

Marketplace

Pros & Cons

  • More communication options than most competitors
  • Established history since founding in 1999
  • Diverse lending options from lenders that may not work with many other marketplaces
  • Loan agents vary in experience, so you need to make sure to ask specific questions
  • Some lenders may call applicants directly

Personal Loans Types

  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
  • Co-singer / Joint loans

Loan Purpose

  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Relocation
  • Vacation
  • Wedding
  • Other

AmOne Personal Loans Terms & Requirements

AmOne’s personal loan application is one of the most straightforward we’ve seen. You provide your estimated credit score, ideal loan amount, and loan purpose at the beginning, which we appreciate as it helps to save time. The process is quick and easy, and we were pleased with how quickly we got an estimate of our funds. Overall, we were impressed with the AmOne personal loan application and would recommend it to others.

How to Apply

Applying for a personal loan through AmOne is straightforward. Applicants begin by providing an estimate of their needs so AmOne can figure out what type of lenders to match you with:

Screen 1

More info on the loan

Required Information

Once you progress with the application, you will be promoted to provide the following information:

 

  • Name
  • Address
  • Email
  • Phone number
  • Date of birth
  • Loan amount and purpose
  • Employment status
  • Annual pre-tax income
  • Housing status – own or rent
  • Credit card debt (if applicable)
  • Bankruptcy History (if applicable)

Application Steps & Time Frames

The entire application process can be completed in a few minutes, and it is relatively similar to other major marketplaces. We liked how the AmOne user experience was streamlined but still provided relevant information through each process step.

State Availability

Available in all states

AmOne Debt Relief Review

AmOne offers debt relief services such as debt consolidation, debt settlement, and debt management. These services can help consumers reduce the amount of interest they are paying on their outstanding debt, lower their monthly payments, and eventually become debt-free.

AmOne Debt Relief Highlights

LOAN AMOUNT

$500 - $50,000

LOAN REPAYMENT TERM

24-84 months

ORIGINATION FEE

None

PREPAYMENT FEE

None

OTHER FEES

Yes

SOFT CREDIT PULL

No

LENDER TYPE

Marketplace

Pros & Cons

  • Many debt repayment options compared to other marketplaces
  • Offers consumer credit counseling service (CCCS)
  • Lots of debt repayment advice without sounding pushy
  • Limited customer reviews and detail around success rates
  • Debt repayment terms may not be the ideal compared to negotiating with existing creditors

Debt Consolidation Types

  • Debt consolidation loans

AmOne Debt Relief Terms & Requirements

The process for debt relief loans mirrors the application for personal loans through AmOne, but applicants must specify how much they are planning to repay or refinance at the beginning.

AmOne seems unique in its approach to debt relief, which they highlight on its website. After the recession in 2008, they wanted to help struggling consumers manage and mitigate their debt, so they offered significantly more debt relief education and products than many of their competitors.

How to Apply

Applying for a personal loan through AmOne is straightforward. Applicants begin by providing an estimate of their needs so AmOne can figure out what type of lenders to match them with.

Next, applicants provide more info on the loan they need as they begin entering their personal information:

AmOne Step 1: Choose a loan
Step 1

Find the ideal loan for you

Qualification Requirements

  • Income
  • Job-status
  • Citizenship
  • Age
  • Co-signer (required/not required, for whom? Who should the co-signer be?)
  • bank account
  • personal documents
  • email address

Required Information

Beginning the debt relief process with AmOne is straightforward, and you can use the online portal chat feature or call them on the phone.

Once you progress with the application, you will be prompted to provide the following information:

  • Name
  • Address
  • Email
  • Phone number
  • Date of birth
  • Loan amount and purpose
  • Employment status
  • Annual pre-tax income
  • Housing status – own or rent
  • Credit card debt (if applicable)
  • Bankruptcy History (if applicable)

Application Steps & Time Frames

The debt relief service platform is very similar to the personal loans application because AmOne likely goes through a similar process on the backend. The entire application process can be completed in a few minutes, and it is relatively similar to other major marketplaces. We liked how the AmOne user experience was streamlined but still provided relevant information through each step of the process.

State Availability

Available in all states

Privacy & Security

AmOne takes security and privacy seriously. Not only do they offer extended protection for California residents, but they also encrypt all data throughout the application process. In addition, their privacy notice is very detailed and outlines how they use consumer data. According to TrustPilot, AmOne has a good reputation for not spamming consumers and respecting their privacy. This makes them a solid choice for those looking for a secure and private online experience.

Customer Support

AmOne’s customer support is available via chat and phone. Our reviewer utilized the chat feature and found the representatives to be responsive and able to answer questions well. However, reviews of AmOne’s reputation for solving problems are mixed, depending on who answers the phone. Overall, though, reviewers seem to have had positive experiences with the customer support team. This suggests that AmOne is committed to helping its customers solve their financial problems.

Phone Support
800-781-5187
Mon-Fri
9am-9pm EST
Sat
9am-5:30pm EST
Sun
Closed

In Conclusion

AmOne is a reputable lending marketplace that offers access to personal loans, credit cards, and consumer educational material. They are easy to work with for most consumers and have a wide range of options. They are a good option for those seeking to learn more about loans and obtain a loan with reasonable terms. Overall, they are a reputable company that is easy to work with and offers a wide range of options.

FAQ

. What kind of lender is AmOne?
AmOne is not a direct lender; they are a loan marketplace that matches consumers to personal loans, credit cards, and other lending products.
Is my information secure with AmOne?
Yes, AmOne takes security and customer data seriously. They provide all their privacy information here and offer end-to-end encryption for applicants, so their data remains safe.
What kind of credit score do I need to work with AmOne?
AmOne works with people who have a wide range of credit scores. Since they are a marketplace, they can access lenders specializing in low-credit loans and low-interest loans for borrowers with higher credit.

AmOne Disclaimer

AmOne is not a lender and does not represent lenders as a loan broker or in any capacity other than as a referral source; AmOne may receive a referral fee from a lender in certain circumstances. AmOne matches borrowers with financial solutions that appear to best fit their situation. AmOne is not acting as a credit services agent for you; you must apply for credit directly with the lender with which you choose to apply. Any credit product you apply is solely the product of the lender. Interest rates used as examples on the AmOne website are typically for borrowers with prime credit; actual interest rates, terms, and conditions will vary depending on the loan type and lender. There is no charge to use AmOne’s service. Filling out a form on the AmOne website does not guarantee approval for a loan.

In addition to matching borrowers with available loan options, AmOne provides a venue through which you can obtain information, and you can find third-party service providers, such as financial institutions, credit card providers, and other financial service professionals (“Service Providers”). AmOne may share your information with a Service Provider so they can contact you about their product or service. We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. We do not validate or investigate Service Providers’ licensing, certification, or other requirements and qualifications. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages, or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

ADVERTISER DISCLOSURE: The products on AmOne are from companies from which AmOne receives compensation. In certain situations, compensation may impact where products appear on the site (including the order in which they appear). AmOne does not include all loan companies or all types of products available in the marketplace.

As of 04/03/2018, visitors to AmOne were seeing rates from matched offers as low as 5.49% fixed (5.49% APR) on a $5,000 loan amount for a term of three (3) years. Loan rates below 5.49% may be available for specific loan purposes, such as auto loans, with specific lenders. Better loan rates are offered to borrowers with excellent and substantial credit history. Rates, APR and other terms you may be offered may vary from this example based on your state, credit history, credit score, financial situation, loan amount, loan term, loan usage, and other underwriting criteria of the lenders. Lenders generally have a range of available APRs, and only borrowers with excellent credit will qualify for the lower rates. There is a possibility you may not be matched with any lenders. Loans are not available in all states at all requested amounts. AmOne only matches you with potential lenders, and your completed form on this website does not constitute a loan application. You must proceed with a matched lender to complete a loan application. Lenders make all credit decisions.

AmOne Corp. is a subsidiary of QuinStreet PL, Inc. (Licenses)

In California, consumer loans marketplace services are provided exclusively by QuinStreet PL, Inc., the registered owner of AmOne. QuinStreet PL, Inc. is licensed under the California Finance Lenders Law (License No. 60 DBO-83197), with its principal office located at 950 Tower Lane, Foster City, CA 94404.

Disclosure

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WRITTEN BY

Justin Estes