AmOne Review - Personal Loans

Application & Approval Process
Rates & Fees
Payment Terms
Customer Support & Benefits

About AmOne

Based out of Fort Lauderdale, Florida, AmOne was founded in 1999, helping consumers find the best personal loans, business loans, and mortgages to fit their particular budget and credit score. They are a credible online loan matching company, helping borrowers connect with the right loan providers to meet their financial requirements. 

The loan marketplace that AmOne provides is 100% free for the customer. There may be fees and other costs in the process, but these are all incurred by the loan provider. On top of that, the quotes that AmOne provides are non-obligatory, allowing customers to pick and choose from a selection of loan providers that fit their pre-designated criteria.

To this date, AmOne has connected over 1 million people with reputable lenders for a wide range of purposes, from debt consolidation to home improvement and mortgages. You can apply for a loan no matter what your credit score is – the pre-approval process does not affect users’ credit score as it simply runs a “soft search.”

What makes AmOne stand out from its competitors is the access to a dedicated “AmOne Loan Matching Specialist.” This specialist will run you through your list of available lenders and offer unbiased help and guidance through the application process. 

Customers can borrow as little as $1,000 up to a maximum of $100,000 without having to put down any collateral. As the loans are unsecured, this means that the credit is not tied to any personal assets such as property or any other form of equity. 





  • 100% free and non-obligatory quotations
  • Dedicated loan matching specialist to assist with the application process
  • All credit scores may apply
  • Unsecured loans of up to $100,000


  • The interest rates offered by loan providers can often be high
  • Lack of information regarding their lending partners before the application process

Key Highlights

  • The online marketplace gives customers the power to pick and choose from the best credit options available to them in a quick and easy online process.
  • A wide range of loan options are available, including; personal loans, mortgages, debt consolidation, and business loans.
  • No minimum credit score is required to apply, allowing poor credit scores to potentially have access to loan providers.
  • All loans are unsecured, meaning that customers do not have to put any equity at risk to secure the loan.
  • Safe and secure service accredited by the Better Business Bureau (BBB).

Application & Approval Process


The application process with AmOne is extremely straightforward and streamlined. Once you visit their website, you are greeted with a drop-down box. Here, customers must enter the purpose of their loan and their credit score. All credit scores are welcome to apply.

Once you select “Get Options,” you will be taken through an online application process that asks for your personal information and necessary details, such as:

  • Desired loan amount
  • Annual pre-income tax
  • Homeownership status
  • Residency details
  • Employment information
  • Occupation
  • Levels of outstanding debt
  • Information regarding bankruptcies

At this point, a soft credit check will initiate, which will narrow down the user’s search to the most appropriate loan providers.


Once the soft credit check has been processed, a representative from AmOne will get in touch with you within 15 minutes of pre-approval. They will then give you a full breakdown of your available options and will offer guidance on the best way to proceed for those that need it. This is an important stage as the fees, APR, and repayment term will typically vary from lender to lender. 

During this process, the Loan Matching Specialist will do what they can to navigate you through to the best loan to fit your requirements based on the information you provide and the soft credit search. Their job is to guide you through the presented list of options until you feel like you have identified the best loan provider based on your specific needs. 

Once you have selected the appropriate loan provider from the options provided, the rest of the application process must be carried out directly on the creditor’s website. 

At this stage, you will be asked for more detailed information regarding your income and will have to provide some documents to prove your eligibility. Lenders may also carry out a hard credit check at this point.

The documents will need to prove that you are:

  • Aged 18 years or older
  • A US citizen or permanent resident


Lastly, once you have completed your direct loan application, you must wait for the approval. This process varies from lender to lender; however, it is typically done within a few hours, if not instantly.

It is important to note that the terms and conditions vary between lenders. AmOne is simply a loan matching provider and does not control the fees, interest rates, or any extra costs incurred to the borrower.

Upon successful approval of the loan, the funds will be dispensed to your account as soon as the next working day.

Rates & Fees

Rates vary from lender to lender based upon your requirements and credit score. AmOne does not determine the rates themselves; they simply highlight the list of available creditors and their offerings. The lowest possible interest rate starts at 4.99% and increases up to a maximum of 35.00%. 

The loan providers also determine any and all fees.

Payment Terms

As AmOne is the service that connects you with the loans, they will not handle your payments or the terms. This is all decided upon with the creditor in the approval and agreement phase of the application.

There are often options to set up an autopay agreement with lenders. This is occasionally met with a small discount depending on the lender that offers the loan.

Customer Support & Benefits

AmOne is a fantastic US-based customer service team that is available from 9 AM to 9 PM Monday through Friday, and 9 AM to 5 PM on Saturday.

As mentioned previously, a Loan Matching Specialist is always on hand to help borrowers through the loan application process, which is an excellent service and benefit that most of their competitors do not offer.

There are live loan experts ready to take a call on the number listed below, and there is an online contact form for those that prefer to contact via email.

For those with simple queries, there is an online FAQ section that covers topics such as; how to get started, privacy concerns, what types of loan AmOne offers, and information on soft credit searches.

Contact Details

Address: 12331 SW 3rd Street, Suite #700, Fort Lauderdale, Florida 33325

Phone: (800) 781-5187

Online Contact Form




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