AmOne Personal Loans Review (2021)

By Mark Huntley, J.D.

Real estate investor, lawyer, personal finance writer, and Co-Founder of Credit Knocks

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

Summary: AmOne Personal Loans are a great option if you are looking for a personal loan of up to $100,000 and want multiple competing lender offers to get the best possible rates. 

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AmOne has been around since 2001 and and they specialize in finding you the best rates for personal loans.  They don't charge a fee to use their service of matching you with their network of lenders.

Quick & Easy To Apply With Instant Pre-Approvals


24 to 48 hour funding speed. 


APR rates range from competitive to 'not' by lender. 


Easy to apply even have an app option. 


Multiple lender offers can be overwhelming.

    Credit Knocks Overall Star Rating:     

  • Multiple Loan Offers
  • Competing Lenders
  • Personal Loan Specialists
  • Bad Credit OK
  • Rates By Lender
  • Must Provide Personal Info
  • Phone Calls From Lenders


AmOne loans are able to provide customers with multiple offers from their network of banks and lenders. 

While AmOne loans do not actually come from AmOne, they have a large network of lenders and can offer loans to people regardless of their credit score.  

They have a reputation for introducing customers to multiple lenders who compete for your loan by offering the best APR rates possible.

There are many advantages and a few disadvantages to AmOne Loan offers which we will review in this article. 

Who Is AmOne?

AmOne Corp. started in 1999 by making small personal loans online our of Fort Lauderdale, Florida. 

Today, they have a second branch called Amone Orlando and together they help match personal loan borrowers with lenders in their network. 

They are not an actual lender but provide the platform for borrowers with bad credit or good to find the best rates by receiving multiple offers from different banks or lenders. 

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What Makes Them Different?

We read countless reviews raving about AmOne's customer service and accessibility.

Not only do their customer service reps appear to car but you have multiple options to reach them including by a toll free number or on their websites live online chat feature. 

They have relationships with a wide variety of banks and lenders which allows them to offer personal loans to people with bad credit, no credit, or limited credit. 

Even if you have bankruptcies, repossessions, and judgments, AmOne may have a lender willing to lend money. 

Keep in mind that if you have a lower credit score you will be charged a higher APR interest rate because you statistically are a higher risk to default. 

Based on AmOne reviews, they are the one of the few marketplaces where there is no credit or income requirements, in fact, all you have to be is 18 and a U.S. citizen to apply. 

AmOne Corp.  also offers you the ability to apply and complete the entire loan process from your mobile phone on their AmOne app. 

How Does AmOne Personal Loans Work?

AmOne Personal loans have one of the easiest platforms to use and it only takes about 30 seconds to find your best rate. 

AmOne works by sending your information to lenders in their network that may match up well with you. 

The lenders then send you an offer for a personal loan based on your credit score, credit history, and your ability to pay. 

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1. Find Your Rate

The first thing you do is select "Personal Loans" and fill out the short form. It takes about 1 - 2 minutes to enter your information.

You need to provide basic information and financial income, as well as the amount of the personal loan you are looking to apply for.

And guess what: 

AmOne Corp. doesn’t check your credit score to get lender offers, they only do a soft credit check.

This means you get to see what rates you can qualify for without the worry of it affecting your credit. 

2. Compare Your Options

Once you put your information in and submit the form you will be taken to a dashboard. 

This dashboard will have multiple pre-approval offers from different lenders.

Keep in mind, these are Pre-Approvals and your actual approval is not guaranteed; however, you will get to see your actual pre-qualified rates.

The rates you see are usually very accurate as long as you can verify your information and nothing changes on your credit report. 

Once you confirm and verify everything the rates are pretty solid.  The best thing is that you get to see your options up-front and know exactly which option is best for you.

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3. Apply For Your Personal Loan

Once you pick a lender, it's time for you to apply. During the application process, you'll get asked more in-depth questions about your use of the loan, your financial history, and the lender will run a credit check. *Note: This all happens on the AmOne website. 

Once this step is done the lender will work with you directly to finalize all of the loan details.

AmOne Loan Reviews Eligibility

In order to be eligible for AmOne Personal loans you must meet the below AmOne personal loan requirements:

  • Be a U.S. Citizen or Permanent Resident
  • You are at least 18 years old
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What Information Will You Need To Apply?

Before filling out the online form make sure you have the below information ready:

  • Date of birth.
  • How much you want to borrow.
  • What you plan to use the money for.
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AmOne Loan (Basics)

Since AmOne loan review lets you see offers from multiple lenders, we wanted to show you the absolute minimum and maximums you can be offered. Actual rates and terms will change by lender.

  • Loan Amount Range: $1,000 - $100,000
  • APR Range: 2.99% - 35.25%
  • Fees: Origination, Late Payment, and NSF fees all vary by the lender.
  • Prepayment Penalties: None
  • Loan Terms: to 7 years
  • Payments Directly To Creditors: Varies by lender.
Caution Credit Knocks

Remember, once you pick a lender, they will pull your credit report and create a hard pull on your credit.

AmOne Personal Loan Calculator

Use the AmOne Personal Loan Calculator to help determine the payment amounts based on interest, length of personal loan and amount borrowed. 

The interest rate will be determined primarily by your credit score and your ability to repay the AmOne review personal loan. 

This calculator lets you adjust the different loan variables to give you a good understanding of how each affects your monthly payment. 

As you increase the length of the loan the monthly payments decrease.

If you are able to find a personal loan with a lower interest rate that will decrease your monthly payment amounts, also. 

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What To Use AmOne Loans Reviewed For?

There are several reasons you may need a personal loan and below we list out some of the reasons you may need a AmOne review personal loan:

  • Debt/Credit Card Consolidation
  • Down Payment For Home  
  • Major Purchase    
  • Home Improvement   
  • Medical Expenses   
  • Moving/Relocation    
  • Vacation
  • Start Business    
  • Education    
  • Your Wedding

As you can see, there is a huge list of reasons for getting a personal loan.

Of course our favorite reasons is for Debt Consolidation, Education, and Starting a Business.

AmOne Reviews

AmOne reviews from their customers predominantly praise their customer service team for their friendliness and ability to resolve problems. 

Customers also appreciate that AmOne loans are available to people with bad credit or no credit.

Overall, after reading hours of AmOne reviews we feel confidant in recommending them for any future financing you may need. 

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AmOne Better Business Bureau Reviews 

AmOne BBB has had a file at the Better Business Bureau since 2001.

AmOne reviews BBB do not have a rating because they have only two reviews and four complaints in the past three years.

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It would be unfair to rate a company that has been in business since 1999 based on that small of a sample size.

Generally, customer reviews on the AmOne BBB site are negative so the fact that in 20 plus years they haven't received many really confirms that this is an upstanding company to choose. 

Steps To Take After AmOne Loan Review Approval

It feels great getting approved for something, no matter what it is, you feel like you have just won something.

But, now that you have been approved, there are some things you should be doing with your accounts.

Make On Time Payments

I am sure you are tired of seeing everyone saying "on-time payments".

Helpful Tip

If your application goes to "Pending" status it doesn't mean Declined. Usually, more information may be needed.

But it is super important and is one of the largest factors in helping grow your credit score.

Of course you probably didn't obtain this loan for building your credit.

However, you still need to be mindful that this product can harm your credit if you don't manage it correctly.

No matter what, avoid late payments.

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Pay Back The Loan ASAP

Along with making on-time payments you should definitely pay this loan off as super fast as possible.

Large personal loans tend to linger and we usually only pay the minimums. 


While this does keep more cash in your pocekt in the initial phase, eventually you end up spending thousands of more dollars in interest payments.

Getting the credit utilization below 30% will also be great for helping your credit score grow. 

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Taking Action & Getting A Loan

Hopefully, you found this AmOne Personal Loans Review to be helpful because Personal Loans are a great option to pay down debt, or even start a business. 

If you need a personal loan then don't waste any time getting your loan through AmOne Corp.'s lender network.

You can click the link above or below to complete your application process and get a loan in under 2 minutes.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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