AmOne Reviews

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About AmOne Reviews

AmOne helps consumers and small businesses find the right lenders to meet their financial needs. Once you complete a simple form online or call AmOne, 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 that can help you improve your situation.

    Pros & Cons


    • Fast approval process
    • No collateral required
    • No cost or obligation


    • No in-person services

    Bottom Line

    AmOne is a free online lending service that helps consumers and small businesses find lenders for all financial situations. Using fast preapproval services, you can get multiple loan options without hurting your credit score.

    Featured Reviews

    Valley Cottage, NY

    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...

    Read full review
    Bourne, MA

    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...

    Read full review

    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 $1,000 to $50,000, 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. A representative calls you within 60 minutes of receiving your information during business hours. 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.

    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 company's website or speak to a representative to discover your available options based on your credit score, income and financial circumstances.

    AmOne FAQ

    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 pull.

    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 understand your matches before you make any big financial decision.

    AmOne Reviews

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    Page 1 Reviews 0 - 10
    Loan Process

    Reviewed April 6, 2023

    AmOne advertised that they guarantee a loan of 30k with bad credit, this is false. I applied and was denied a loan for debt consolidation. I am seeking an attorney at this time.. Their site is misleading.

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    Customer Service

    Reviewed March 23, 2023

    So I was told I was approved for a loan as well as three credit repair services. They called and texted me nonstop and when I finally replied then got in touch with a 3rd party for credit repair, I followed the email instructions from AmOne asking about my experience and to contact them regarding other options. I called 4 times to discuss this "loan" they said I qualify for. Except after getting all my private information, they hang up on me immediately. Kenosha answered and hung up when she heard who I was. Then I called back a few seconds later to get a message saying she was out to lunch. Called the direct customer service line and they took answer, but immediately hang up. It is definitely a scam and they're just collecting private information. They in no way help get loans of any kind.

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      Customer ServiceStaff

      Reviewed March 6, 2023

      I've been receiving numerous calls and voicemails borderline harassment. I decided to take a call and see what the big deal was. After spending 20 minutes with a man, he finally detailed this would be a settlement and when asked if "I liked this" I told him I wasn't interested in doing a settlement and so quickly he hung up on me. This shows exactly how disturbing your company is to hire people to harass prospects then be so rude to hang up without hearing anything else that may have benefited him. Very tasteless and I will be sending this to every review company out there to pre warn others.

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      Reviewed Dec. 5, 2019

      All of these so called lenders are the same. They want you buy into their debt consolidation which is nothing more than the company negotiating a lower payout that you're charged and they keep a portion of what you pay out plus your cards are canceled. You're led to believe that you'll get a car loan for people with bad credit. When I contacted their recommended lender knowing what my debt to income ratio was, they made a hard pull on my credit which impact my score. If they had the information up front then they proceed with a hard inquiry inquiry. Not cool. Now have to request that my credit repair service remove the inquiry. All of these services are the same, that want to lower your debt by offering the companies a settlement and then cancelling your cards. Be wary.

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      Reviewed Sept. 11, 2019

      Was told I would get a line of credit but in reality they wanted me to stop paying my monthly payments on my credit cards, so they could “negotiate” with my creditors. I only needed 8k for my credit cards consolidation which I didn’t even qualify at first cause it wasn’t high enough. All of my cards except one is not maxed out. Seems like filing bankruptcy. That was the worst advice I’ve gotten about finances. I’d rather pay on my accounts than not and watch my credit score drop to below 600. Not saying they don’t work for some but that was just ridiculous. Seems like a scam to get people to close all their accounts.

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      Verified purchase

      Reviewed Nov. 28, 2018

      Thanks to Judson ** and Bob ** for helping me get out from under this burden. They were considerate, understanding and non-judgmental. Fortunately I have obtained a position where I can now afford to pay off these debt and Bob has managed to get me an amount that is affordable with my budget. Thanks again for offering this service.

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      Verified purchase

      Reviewed Nov. 20, 2018

      I am very happy about this. The people were so helpful. I just can not wait to get started and can not wait to be out of debt sooner than I hoped to. I can't wait to see the money that I will be saving each month now that I am in this program. These people were great and I am so happy to have found them. God bless you all. Great work and wonderful customer service.

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      Verified purchase

      Reviewed Nov. 13, 2018

      I'm overwhelmed with the kindness and assistance Rachel and Kaitlyn gave me. They are assets to the company. I cannot say enough thank yous. I am humbled by their willingness and perseverance to help me get out of my situation. I can only rave about AmOne and these two employees. Again, they were not only kind but understanding and not judgmental. Thank you. Thank you. Thank you. I will be praying for all of us.

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      Verified purchase

      Reviewed Nov. 8, 2018

      Risa ** was very quick and provided me with the necessary information I needed. I appreciate her getting to the point and setting me up with someone who best fit my needs. Customer service was a 10/10 based off conversation and efficiency. Thank you again!

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      Reviewed Nov. 5, 2018

      I am very disappointed in my experience with AmOne. I turned to them to refinance my student loans and people I talked to, they are just monkeys that push the buttons without real knowledge of what they are doing or trying to help with. I would get the same result if I would talk to a robot. For example, I make 89K and I was asking to borrow 113K. They put a range 60-110K of what I want to borrow to find a match. No match was found. Why? Because lenders usually do not lend more than 50% of current official salary. I found it out later from another source. Therefore, when they put numbers into their system, it's all in vain, because they put wrong numbers. Therefore, my request for refinancing did not find any match.

      After that, they put me to talk to a credit card consolidation specialist. The person sounds knowledgeable at first. She asked question about my budget slowly and clearly. But when it came to explain what she thought about my financial situation, she started talking fast. When I asked to repeat, she said, "I will send it to you by email anyway". Would it be very important to understand what I hear while I am talking to her if I have to make my decision based on her analysis. Anyway, she mumbled something and then told me that I had several options like taking second mortgage, something else, and something else. She did not even ask me do I know what "second mortgage" means, and do I need to know.

      Anyway, I did not get refinancing because the guy requested the amount that can never get approved. And, I did not get my credit card consolidation because, after she asked me about the budget, it turned out that I am making too much money to qualify. But it was wrong because she did not ask me how much I am paying to credit cards. This figure, $400, was not taken in consideration. She did not ask me about any other debts besides credit cards, which is my student loan $600. $1000 got out from analysis and I turned out to be non-eligible. Great! Therefore, if AmOne matched you with a lender, it is mostly happened by the accident.

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        AmOne Company Information

        Company Name:
        Year Founded:
        12331 SW 3rd Street, Suite #700
        Fort Lauderdale
        Postal Code:
        United States