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AmOne Personal Loans Review

Written by Mike Pearson
Updated September 27, 2022

AmOne is a free loan aggregator service, which means it helps borrowers match with a variety of lenders that offer personal and business loans. In business since 1999, the company has facilitated over $4 billion in loans. 

If you’ve ever shopped for a loan, you know it can be a time-consuming and frustrating process.

According to AmOne, it eliminates the headaches of tracking down various lenders’ requirements and applications by bringing potential lenders directly to you.  

AmOne Summary

AmOne is neither a lender nor a bank. Rather than offering or servicing loans, it acts as a loan marketplace that allows borrowers to connect for free with a range of lenders that might be a good fit for their needs. 

The company is based in Fort Lauderdale but serves customers in all 50 states. Founded in 1999, it enjoys an excellent rating of 4.7 out of 5 stars across more than 1,100 reviews on Trustpilot. 

Similar to loan aggregators like Lending Tree and Bankrate, AmOne asks borrowers to build a profile by submitting information about their income and what kind of loan they need. Once a borrower’s profile is complete, AmOne’s algorithm will use that information to fetch lenders from among its list of lending partners. 

AmOne offers a variety of loans, including unsecured personal loans as well as business loans for established companies and startups. AmOne is free to use, and it doesn’t require a credit check to match borrowers with potential lenders.

Depending on what type of loan you need, AmOne has some minimum and maximum borrowing criteria. Per its website, its loan amount requirements are as follows:

Type of Loan:Minimum:Maximum:
Debt Consolidation$2,000$50,000
Small Businessnone stated$350,000
Startup Business$1,000$50,000

In addition to its loan matching service, AmOne offers matching for debt management and debt relief services. It also matches borrowers with offers from credit card lenders through its CardRatings site. 

Is AmOne a Legitimate Loan Company?

AmOne doesn’t offer, administer, or service loans. However, it is a legitimate loan aggregator service with a solid reputation. 

One of the best ways to gauge a company’s reputation is by looking at how it fares on various third-party review sites. Overall, AmOne has positive reviews on sites like Trustpilot and Consumer Affairs. 

On Trustpilot, for example, it has more than 1,100 reviews, with 87 percent listed as “excellent” and just 1 percent listed as “poor.” 

Positive reviews state that working with AmOne was hassle-free, quick, and professional. 

Another review states that AmOne was transparent about options and selection.

On the Consumer Affairs site, AmOne has over 200 reviews and averages 4.8 out of 5 stars.

One positive reviewer reports that it took about two days to get matched with lenders for a personal loan

Another positive reviewer had good things to say about AmOne’s customer service, saying they were contacted personally by an AmOne representative. 

Because AmOne is a loan aggregator and not a lender, it’s important to remember that each lender has its own terms and conditions. Once you’ve matched with lenders, you should be diligent about reviewing their consumer ratings and fine print.  

Pros & Cons to Consider with an AmOne Loan

Like every company, AmOne has its share of pros and cons. Before you submit your information, it’s a good idea to consider the potential benefits and drawbacks. 


  • Free to use. You will never pay a fee to get matched with lenders
  • Easy to use online form for submitting your profile
  • Get free access to AmOne customer service representatives who can answer questions about your options
  • No hard inquiries on your credit report 


  • Limited information on individual lenders’ terms until you apply directly with a lender
  • It’s still on the borrower to research specific lenders 
  • No way to compare individual lenders side by side 
  • Customer representatives aren’t available 24/7

While AmOne won’t pull your credit report, you should keep in mind that individual lenders will run a credit check as soon as you apply directly with them. In short, working with AmOne won’t result in any hard or soft inquiries on your credit report, but submitting applications with your matched lenders will. 

6 Ways to Use AmOne

There are a variety of ways you can use AmOne to better your finances. In addition to matching borrowers with possible lenders, AmOne offers matching with debt management providers as well as information about credit card offers. 

1. Personal Loans

AmOne is probably one of the most well-known for its loan matching service. It pairs borrowers with vetted lenders that offer personal loans up to $50,000. 

2. Debt Consolidation Loans 

If you’re looking to eliminate high-interest debt, AmOne might be able to match you with lenders that offer debt consolidation loans. According to AmOne’s site, you can consolidate anywhere between $2,000 and $50,000 in debt. 

3. Credit Card Consolidation

Generally, there are two ways to consolidate credit card debt. Some people prefer to transfer their debt to a new credit card that offers incentives like 0% APR for the first year, while others choose to take out a personal loan to pay off all their high-interest cards.

If you’re interested in pursuing a loan to reduce your interest payments, AmOne might be able to connect you with lenders who offer credit card consolidation loans. 

4. Business Loans 

AmOne also offers two types of business loans. Established business owners can borrow up to $350,000, while startup businesses can borrow between $1,000 and $50,000.

5. Debt Management and Debt Relief 

As with its loan matching service, AmOne doesn’t directly offer debt management or debt relief. Rather, it connects borrowers with partners that offer these services.

6. Credit Card Offers

Through its partner site CardRatings, AmOne matches consumers with credit card lenders. As with its other services, AmOne doesn’t offer credit cards directly. 

How Do AmOne Personal Loans Work?

Using AmOne’s loan matching system is a straightforward process you can complete in three steps.  

Step 1. Choose the Purpose of the Loan

The first step is to tell Amone what you need to loan for. You can select things like “auto”, “business”, “pay off credit cards”, “home improvement”, “major purchase”, and many more.

Then you click the orange “See your loan options” button.

Step 2. Choose How Much You’d Like to Borrow

On the next screen, you tell Amone how much money you’d like to borrow.

You can choose amounts between $2,500 and $50,000.

After filling in your amount, click the orange “Next” button.

Step 3. Select Your Employment Status

On the next screen, Amone will ask you for your employment status.

You can choose between “employed”, “not employed”, “self-employed”, and “other”.

Step 4. Enter Your Pre-Tax Annual Income

On the next screen, Amone asks for your pre-tax annual income.

They also include this note:

List your total available income including wages, retirement, investments and rental properties. If you are self-employed, include any salary you receive from such activity. If you include any non-taxable income or benefits, increase those amounts by 25%. Alimony, child support or separate maintenance income is optional.

After entering your income, click the orange “Next” button.

Step 5. Choose Whether Your Own Your Home or Rent

On the next screen, you must select whether you own your own home, or rent. (Or other).

Step 6. Enter Your Full Name

On the next screen, enter your first and last name.

Step 7. Enter Your Date of Birth

On the next screen, enter your date of birth.

Step 8. Enter Your Home Address

On the next screen, enter your home address.

Step 9. Enter Your Phone and Email

For the final step, you must enter your phone number and email address, which is how lenders will be able to contact you. 

Getting Matched with Lenders 

Once you’ve filled out your complete personal profile, you submit it online through AmOne’s system. Some users report getting matched with lenders in as little as 10 minutes, while others say the matching process took a couple of days.

It’s also possible that you won’t get matched at all. For example, if your income is low or your credit score is poor, you may have a difficult time finding a lender willing to work with you. 

If AmOne doesn’t return a match, don’t stress. There are several credit repair strategies you can use to rebuild your credit or boost your score enough to meet lenders’ borrower qualifications, or even work with a credit repair company if you need some help.

Applying Directly with Lenders

When you find a suitable lender, you must apply directly with that lender. AmOne doesn’t guarantee approval, so it’s a good idea to make sure you meet the lender’s borrowing requirements before you submit your application.     

What Is the Cost of AmOne Personal Loans?

AmOne’s service is totally free, and you’ll never pay to match with potential lenders. However, some individual lenders might have application fees, so keep that in mind before you apply directly with a match.  

Does AmOne Do a Hard Pull of Credit?

Submitting your information on AmOne’s site will never result in a hard or soft pull of your credit report. 

On the other hand, if you decide to apply for a loan with one of the lenders AmOne matched you with, you can expect the lender to run a hard inquiry of your credit. This is why you should avoid submitting too many direct applications at once, as too many hard inquiries can pull down your credit score. 

Eligibility Criteria: What Do You Need to Apply?

Aside from requiring users to be at least 18 years of age, AmOne doesn’t have any specific borrower requirements on its website. Rather, each individual lender will have its own specific criteria for extending loan offers. 

While each lender will vary, you can generally expect to need the following information if you choose to submit a loan application to a match returned by AmOne:

  • Your income
  • Employment status
  • Basic contact information 
  • Citizenship status
  • Bank account information 
  • Debt information, including credit card debt 

In addition, some lenders may require you to provide verification of certain information before they will make you a loan offer. In most cases, you can do this online, but you may need to send some documents through the mail.  

Next Steps After AmOne Loan Review Approval

When AmOne returns your list of matches, it’s important to keep in mind that these are not loan offers. Rather, this is a list of lenders who might be willing to work with you based on the information you provided to AmOne when you filled out your personal profile. 

According to AmOne, it provides basic information about loan terms when it matches borrowers with lenders. However, you must proceed with a direct loan application with individual lenders to get complete details about interest rates, loan terms, and fees. 

How to Get in Touch with AmOne

AmOne offers several ways to get in touch if you need assistance. You can submit a contact request through the AmOne website by filling out the contact form.

During regular business hours, you can also speak to a live loan expert by calling AmOne at 1-800-781-5187.

If you want to communicate with AmOne via regular mail, their mailing address is:


12331 SW 3rd Street

Suite #700

Fort Lauderdale, Florida 33325


If you’re in the market for a personal or business loan, AmOne can make it faster and easier to find possible lenders. Their matching process is free, and you don’t have to worry about any hard inquiries lowering your credit score.

Overall, AmOne gets high praise from current and past customers. The site doesn’t let you do side-by-side comparisons of different lenders, but it gives you a starting point that can help you narrow your search for the ideal lender.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.