AmONE Reviews

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Edited by: Jon Bortin

About AmONE

AmONE helps consumers and small businesses find the right lenders to meet their financial needs. Once you complete a simple form online or call, a representative guides you through your loan options from its network of lenders. AmONE provides loans for all credit and financial situations, and the preapproval process won’t affect your credit score. If you don’t qualify, AmONE has experts who may be able to help you improve your situation.

Pros
  • Fast approval process
  • No collateral required
  • No cost or obligation
  • Higher rating than other similar companies
Cons
  • No in-person services

Featured Reviews

Valley Cottage, NY
Verified purchase
I'm overwhelmed with the kindness and assistance Rachel and Kaitlyn gave me. I am humbled by their willingness and perseverance to help me get out of my situation. I can only rave...

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Bourne, MA
Verified purchase
Thanks to Judson and Bob for helping me get out from under this burden. They were considerate, understanding and non-judgmental. Fortunately... I can now afford to pay off these d...

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How does AmONE work?

AmONE helps consumers find personal and small business loans by connecting them with lenders across the country. Applying for AmONE loans requires no collateral. AmONE's personal loans are available for $2,000 to $100,000, and the company's partners offer small business loans of up to $350,000. After approval, the amount you receive varies based on your credit score, financial situation and other factors.

To find out your options for personal and small business loans, complete an online form with basic information, including your estimated credit score, loan purpose, employment and income. AmONE claims a representative will call you within 60 minutes of receiving your information during business hours (8:30 a.m. to 10 p.m. Eastern, Monday through Saturday). You can also perform this process over the phone with an AmONE Representative. During the call, the representative answers questions, explains loan options and helps match you with a lender, usually within the same day.

Step-by-step overview of AmONE’s process:

  1. Fill out a quick form online
  2. Get matched to lenders in minutes
  3. Compare competitive offers to find the right fit
  4. An expert walks you through the final steps

AmONE requirements

AmONE's lenders have different loan requirements, but the company works with a network of lenders to provide loan options for people with all types of credit and financial circumstances. Fill out the form on the website or speak to a representative at 888-401-0330 to discover your available options based on your credit score, income and financial circumstances.

Key disclosures from AmONE:

  • The lender options presented range from a minimum repayment term of 12 months and a maximum repayment term of 84 months.
  • The lender options presented range from a minimum annual percentage rate (APR) of 6.99% and a maximum of 35.99%.

AmONE FAQ

Is AmONE a legit company?

Yes, AmONE is a legitimate platform that connects prospective borrowers with lenders.

Does AmONE run your credit?

No, AmONE only asks you what your estimated credit score is.

Does AmONE charge a fee?

AmONE does not charge a fee for its services.

Does AmONE do a hard pull?

AmONE does not do a hard pull because it is not a loan provider. AmONE only helps you find lending partners. Depending on the partner you select, the lender may do a hard credit inquiry.

Is AmONE a payday loan?

AmONE is not a payday lender, but it does assist with short-term loan solutions. Contact the company for more information.

Is AmONE worth it?

AmONE facilitates loan options no matter what your credit or financial situation is. It costs nothing to work with AmONE, and there’s no risk. You can find your loan online, and AmONE will call you to go over your matches before you make any big financial decision.

AmONE Reviews

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    2 featured reviews
    How do I know I can trust these reviews about AmONE?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Loan Process

    Reviewed April 24, 2025

    AmONE is conveniently local, which was a big factor for me when I was looking for a car loan. Overall, the experience was positive. The only hitch was with the statements; I had requested mailed-in ones, but they ended up selecting digital by mistake and couldn't change it before I signed the application, which was a bit odd.

    Despite that, the service was impressive. My interactions with the consultant were decent, but I faced a slight inconvenience as their system was down, which required me to make a second trip. However, the overall quality was sufficient and I got everything I needed.

    Thanks for your vote!
    AmONE
    Response from AmONE

    Thanks for your review, Christopher! Please keep in mind that AmONE is an online matching service. Sounds like you are referring to the lender we matched you with. If you are having trouble with the statements, please contact them to see if they can assist. Thanks!

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      Verified purchase
      StaffLoan Process

      Reviewed April 24, 2025

      My experience interacting with the consultant of AmONE was quite positive as they proved to be both understanding and considerate of my personal situation. When it came to the enrollment process, it involved checking my credit and listing the bills that needed to be addressed, primarily my credit cards. They asked about my preferred payment schedule, whether monthly or every two weeks, and we quickly set up the plan. They’ve already processed the first payment smoothly.

      The estimated time for the service is expected to just be shy of two years, which seems reasonable under the circumstances. Despite having just started with AmONE, the quality of service has been satisfactory so far, and I haven't encountered any issues.

      Initially, I was under the impression that I was applying for a loan to consolidate my debt, but I ended up with debt relief services instead. Although this was unexpected, I was surprised by how the process unfolded and the company's role with National Debt Relief. As it currently stands, I feel content with their service, even though it was different from what I initially intended.

      Overall, I would rate my experience with AmONE a 4 out of 5.

      Thanks for your vote!
      AmONE
      Response from AmONE

      Thanks for sharing your experience with us, Lisa. We’re glad to hear that things got off to a solid start and that the process has been working for you so far. It’s not uncommon for people to come in expecting one solution and leave with something a little different, so we appreciate you being open to how things unfolded. Remember, our goal at AmONE is to provide options our system deems best based on the information provided.

      Your feedback about the clarity of expectations is helpful, and we’ll keep working to make that part of the process even better. Thanks again for the 4 out of 5—hearing that you're feeling content with the direction things are going means a lot!

      Verified purchase
      Staff

      Reviewed Oct. 15, 2024

      I was, literally, at my wits' end with the credit card and non secured loans I was trying to juggle with the income I was receiving. I spoke with Gary, who completely understood my situation. It wasn't I was lazy, or just didn't pay my bills. I just fell on hard times with my health. I'm not going into the full details about it, but since February of LAST year has been more stressful in my life, which I wouldn't wish on anyone. He connected me to Ellen, and we got the ball started. She's simply a godsend. We went through everything I owed, and she lifted about a 500 lbs. weight off my shoulders.

      Thanks for your vote!
      AmONE
      Response from AmONE

      We're so happy we got connected with you, Steven! Your situation is exactly why AmONE exists. We realize that 'life' happens sometimes. That's when it's time to turn to AmONE and let our matching specialists help shoulder the burden of searching for a solution. Thank you for sharing your story and recognizing your AmONE Specialist, Gary and our partner specialist, Ellen! We will pass your feedback on to them!

      Verified purchase
      StaffLoan Process

      Reviewed Sept. 25, 2024

      I truly recommend AmONE. They were soooo helpful, courteous and had the UNDERSTANDING of my situation. I have not felt like this in a long time, relieved. They helped me through the process without any Judgement whatsoever. I PRAYED for this kind of help for a long time now and got it through AmONE, thank you so much, I FEEL SO MUCH BETTER. Thank you!!

      Thanks for your vote!
      AmONE
      Response from AmONE

      What an amazing review, Glenella! We're overwhelmed with gratitude! We're thrilled that your interaction with your AmONE Specialist, Rodney, went so well! It makes us feel better knowing you are in a good place and feeling better about your financial situation. We wish you the best in your financial future!

      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 25, 2024

      I must say I was reluctant and the person who took the call walked me though explained AmONE, To be able to hear someone take their time (even if it's their job) and talk and show concern on how to direct me to the right path. I was contacted the same day and on my road to financial stability. At 68 years old, my future is short and this new window opened by AmOne was just what I needed. I was given options and that make the person feel that they have control over decisions.

      Thanks for your vote!
      AmONE
      Response from AmONE

      Thank you for your review, Magdalena! We're happy to hear that your interaction with our AmONE Specialist, Desiree, went well. We look at each consumer's situation with care and consideration and provide the options we feel would be best to help them achieve their financial goals. Thanks again for trusting AmONE!

      Verified purchase
      Transparency

      Reviewed May 27, 2025

      I felt like I was listened to and that my concerns were addressed on the spot. Daniel explained this a couple times without any frustration so I understood exactly what I was signing onto. With the new monthly payment that I signed, it's definitely more manageable.

      Thanks for your vote!
      AmONE
      Response from AmONE

      Thanks for your review, Cheenue! We're thrilled that Daniel was able to help you with everything. Happy to hear your finances are more manageable now!

      Verified purchase
      Staff

      Reviewed April 29, 2025

      So far so good. I am on the road to debt relief with the help of Am One. They were able to help get my with a good company, in which that is something I thought would be impossible. Getting out of debt is something I have been needing to do not only for me but for my family.

      Thanks for your vote!
      AmONE
      Response from AmONE

      What an amazing review, Murphy! We're so happy you contacted us and that we were able to provide the financial assistance you were looking for for you and your family! We wish you the best in your financial future!

      Verified purchase
      Transparency

      Reviewed April 23, 2025

      Unfortunately, the outcome wasn't as expected. From the beginning, I felt as though I was being passed around without clear direction. Instead of straightforward assistance, my experience involved being connected with various credit places and a credit repair company. Essentially, the credit repair company suggested that by signing up for their services, my chances of getting a loan would improve. This persuasive pitch led me to pay for their services, but it seemed like it was merely a strategy to charge me more without offering real benefits. I expected more clarity on the terms and implications before signing up for something unrelated to my loan search. To my surprise, despite my financial situation prompting my loan search, AmONE suggested a paid service.

      Thanks for your vote!
      AmONE
      Response from AmONE

      Thank you for sharing your experience, Emmanuel. We’re sorry to hear it didn’t meet your expectations. Our goal is always to provide clear, helpful options tailored to each person’s financial situation, and we regret that this didn’t come through for you. We partner with a range of services, including credit improvement options, to give customers the best possible path forward. Although there is generally a fee for such services, the benefits often far outweigh it in terms better APRs on loans. We apologize if this wasn't conveyed clearly by our partner.

      Verified purchase
      Loan Process

      Reviewed April 23, 2025

      My experience with AmONE was quite disappointing. I went through their application process but unfortunately did not receive any approvals. This was frustrating since they advertise easy financing options aimed at approvals.

      Thanks for your vote!
      AmONE
      Response from AmONE

      Thank you for your feedback, Richard. We’re genuinely sorry to hear about your experience. While we aim to make the process as simple and accessible as possible, approvals ultimately depend on lender criteria as well as a consumer's current financial situation. We understand how frustrating it can be when expectations aren’t met, especially when you're actively seeking support. Again, we apologize if we were unable to help.

      Verified purchase
      Punctuality & SpeedOnline & AppLoan Process

      Reviewed March 30, 2025

      The application process was very easy and fast. I was given a variety of loan terms and companies to choose from. The process was very fast. I’m very pleased with the timeliness of the funding process as well. I would recommend this company to friends and relatives.

      Thanks for your vote!
      AmONE
      Response from AmONE

      Thanks for sharing your experience, Tina! It’s great to hear the process was quick and easy and that you had plenty of options to choose from. We only work with the best lenders and other financial institutions in the industry! We’re especially glad the funding was timely—that’s always a big deal. Appreciate the recommendation! If you ever need anything, we’re here to help.

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      AmONE Company Information

      Company Name:
      AmONE
      Year Founded:
      1999
      Address:
      12331 SW 3rd Street, Suite #700
      City:
      Fort Lauderdale
      State/Province:
      FL
      Postal Code:
      33325
      Country:
      United States
      Website:
      www.amone.com