p4TextWhite

p3SecondText

p2MainText

p1Vertical

ctaText

theme

title

globalMenu

globalLogo

Cre_student

Credible

Cre25

providerBadge

providerPhone

providerRating

providerFeatures

providerLogo

providerLegalDisclaimer

providerBonus

specialOffer

minDeposit

providerExtraLink

providerScore

providerServices

providerProsAndCons

providerLogoSwitcher

providerLogoMobile

providerSupportedDevices

providerProduct

providerFilters

credible

credible Review

lendingtree_ob

lendingtree

lendingtree Review

LoansUnder36

loansunder36

loansunder36 Review

review

monevo

monevo Review

main

upstart

upstart Review

Header

p10StarsRating

rating

reviewHeroImage

reviewHeroTitles

AmOne began in 1999 with a mission to streamline the borrowing process in the US, and has since facilitated more than $4 billion in payments. This loan marketplace doesn't provide funding directly but instead connects users to dozens of the nation’s top lenders. 

AmOne Personal Loan Review

amone

amone Review

ReviewHero

p8TextLink

articles

<h2>Company Profile</h2><p>The platform promises a speedy service, with most loans landing in applicant’s accounts just one day following approval. What’s more, users are attracted to the generous eligibility requirements, and AmOne’s large community of lenders means even those with poor credit histories can apply here.&nbsp;</p><h2><strong>Loan Types</strong></h2><p>One of the biggest selling points of the provider is that it places no restrictions on the purpose of your loan and has a comprehensive list of types. These include:</p><ul><li><p>Debt consolidation</p></li><li><p>Small business startup</p></li><li><p>A new car</p></li><li><p>Home improvements</p></li><li><p>Emergency funding</p></li><li><p>Paying your tax bill</p></li><li><p>Funding a vacation</p></li><li><p>Student loans</p></li><li><p>A dream vacation</p></li></ul><p>This list is just a small taste of the number of different types of loans on offer, and if you can’t find what you’re looking for, simply apply using the ‘other’ category. You’ll be matched with a provider from AmOne’s network of reliable lenders that best correlates to your needs.&nbsp;</p><p>Approval times will vary from lender to lender. It may be instant in some cases or take several business days for others. Once approved, the majority of applicants will receive their funding within 24 hours, making this a good service to choose if you need funding quickly.&nbsp;</p><p>In most cases, you’ll be applying for an unsecured loan, but secured options are available. These will take longer to process and applicants may use a savings account or vehicle as collateral. However, the type of security will be determined by the individual lender and AmOne recommends you get in touch with its customer service team to discuss prior to application to make sure it’s the right choice for you.&nbsp;</p><h2><strong>Rates and Terms</strong></h2><p>A number of factors will determine your exact rates and terms, including your credit score, monthly income, current debt levels, and the size of your loan. What’s more, each lender will apply these criteria differently and use different methods to calculate final rates. The full range is as follows:</p><ul><li><p>Interest rates - Between 3.49% and 35.99% APR</p></li><li><p>Borrowing limits - Between $100 and $50,000</p></li><li><p>Term lengths - Between 12 and 84 months</p></li></ul><h2><strong>Eligibility Criteria</strong></h2><p>All applicants will need to meet the following criteria:</p><ul><li><p>Be 18 years or older</p></li><li><p>Be a US citizen or permanent resident</p></li><li><p>Have a provable source of income</p></li><li><p>Proof of address</p></li><li><p>Have a verified bank account to pay the loan into</p></li></ul><p>Beyond these, you’ll actually find very few requirements. There are no minimum credit score requirements, and although you need to prove a regular income, AmOne doesn’t state any minimum limits. This means even those on very low incomes or government support will be able to apply.&nbsp;</p><h2><strong>How Can You Apply?</strong></h2><p>Starting out as an online lender more than two decades ago has given AmOne plenty of time to perfect its application process, and it’s incredibly simple and streamlined. It can be completed in just a few short steps:</p><ul><li><p>Step 1 - Fill out some basic information on the application form, including personal details, income, and loan amount. This should only take a few minutes</p></li><li><p>Step 2 - You’ll be instantly matched with a range of lenders</p></li><li><p>Step 3 - Simply browse through your options and select the one you’d like to apply to. At this stage, you’re under no obligation to choose and can speak to customer representatives from the lenders if you’ve got any questions</p></li><li><p>Step 4 - Selecting an option initiates an approval process with that lender, which will inform you whether or not you’ve been accepted. Your credit score will be checked at this stage</p></li><li><p>Step 5 receive funds into your account</p></li></ul><h2><strong>Fees and Charges</strong></h2><p>The Good news is there are no fees to use the service. You can log in, check quotes and get offers free of charge. Plus, you won’t receive a hard check on your credit rating until you decide to take out your chosen loan.</p><p>However, each lender will have different charges, and most will add on an origination fee, prepayment penalties, and late payment costs. These can vary considerably between each provider, so make sure to read your loan agreement very carefully before signing up to make sure you can meet the repayment schedule and don’t get stung.</p><h2><strong>Repayment Options</strong></h2><p>AmOne won’t handle your repayments, and responsibility is passed to the lender once your funding is disbursed. Methods will vary between each provider, but the majority of applicants will choose to repay via monthly auto-payments taken straight from their bank account.&nbsp;</p><p>If you’d like an alternative method, we suggest you get in touch with the lender directly during the application stage to confirm your preferred repayment type is offered.</p><h2><strong>Data Security</strong></h2><p>AmOne takes data security very seriously and your personal information will never be stored on the platform. In addition, your applications are protected by SSL security protocols, meaning your data is encrypted and safe from hackers.</p><p>One downside to the service though is the fact that you might be bombarded by calls and emails from multiple different providers. There doesn’t seem to be an option in the application process to refuse third party contacts, so your phone might be blowing up with messages for a few days after your initial application as lenders compete for your attention.&nbsp;</p><h2><strong>Customer Support</strong></h2><p>We’re pleased to see both a support helpline and an email ticketing service on offer here. Many loan marketplaces make it very difficult to get in touch once you’re locked into your loan, but AmOne is on hand to answer questions. You’ll still need to go to your chosen lender directly for specific queries on your loan, but the support team is more than happy to be a facilitator, or walk you through the application process.</p><h2><strong>Summary</strong></h2><p>AmOne is an excellent choice for those with poor credit, that need funding quickly or might have been rejected by other lenders. The easy-to-use interface, fast application process, and quick access to funding will be big draws for many.&nbsp;</p><p>While those with good credit ratings might be better at another provider, and spam contacts from lenders could be an issue, it’s still worth checking out. Your credit rating won’t be affected for simply taking a look, so you’ve got nothing to lose by finding out what you could get.&nbsp;</p>