Personal Loans » Personal Loan Lender Reviews » AmONE Personal Loan: 2022 Review
Advertiser Disclosure

This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

AmONE Personal Loan: 2023 Review

While AmONE might not be able to get you great rates if you have bad credit, they can work with you so you can see how you can clear up some debt.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor, which helps consumers make better financial decisions.  Silvermann’s areas of expertise include investing, banking, and credit cards. Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more. Aside from being a finance expert, his background includes working as a business and financial analyst. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor, which helps consumers make better financial decisions.  Silvermann’s areas of expertise include investing, banking, and credit cards. Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more. Aside from being a finance expert, his background includes working as a business and financial analyst. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

AmONE was created with the intention of making it easier to help you find a personal loan. This lender marketplace uses your information to match you up with the right loan.

APR

6.78-35.99%

Loan Amount

$1,000 – $50,000

Term

24-84 months

Min score

300

AmONE was created with the intention of making it easier to help you find a personal loan. This lender marketplace uses your information to match you up with the right loan.

APR

6.78-35.99%

Loan Amount

$1,000 – $50,000

Term

24-84 months

Min score

300

AmONE is a  personal loan marketplace. With different lending options available, you can shop here for any type of personal loan. After becoming pre-qualified, they will help you find the right loan.

You will get approved quickly and can have access to the right loan for you within a matter of minutes. The first thing you will do is select the purpose of your personal loan and what your estimated credit score is.

After this step, you input how much money you are trying to borrow and what your employment status is. It takes you through other basic information like income, marital status, and mortgage information. You can see your loan options right on the screen after inputting all your information.

Keep in mind that AmONE will not be your lender; they just work to connect you with the right lender for you. With so many lending partners available, you are sure to find the right loan.

Remember that like most financial transactions and loans, you have a chance at a better interest rate the higher your credit score. If you are having credit trouble, AmONE can still work to find you a loan partner.

  • Easy Application Process
  • Different Help Available
  • Compare Options
  • Excellent Service
  • Rate Information is Tucked Away
  • Detailed Application Process
  • Too much Information

In this Review..

AmONE Loan Pros & Cons

As we know, each lender has its own pros & cons  – here are the relevant things we found for potential borrowers:

AmONE went out of their way to streamline the application process. After you enter in your information, you are connected with loan options almost immediately.

AmONE has other resources on their website as well. You can also link to credit card options no matter what your credit history is and they also walk you through all available options for debt relief, making them a marketplace that is great at working with people with iffy credit.

You can easily shop and compare and to figure out which lender or loan is the best option for you to pursue. Comparing different options has never been as easy as it is with AmONE.

AmONE has great best customer service with a 1-800 number you can call to talk to a real human being if you need to. They do go above the call of duty to make sure you are satisfied with their marketplace.

Some marketplaces have rates available on the landing page, but that is not the case with AmONE. You do have to go through the application process to see what your rate options will be. It would be nice if there were ballpark rates included on the landing page.

The good news is you will get your loan recommendations after the applications, the bad news is there are a lot of questions to fill out. It can feel like you are sharing your entire life history and the application might feel like it will never end.

Suggested Video From Our Channel

AmONE focuses a lot on debt relief and debt consolidation. This is good news if that’s what you are looking for. But, you might not have any debt. Just because you are shopping for a personal loan doesn’t mean that you are in debt. You could just be doing a home renovation or buying a boat. It can be cumbersome sifting through the debt relief information if you aren’t interested in reading it.

What Can a AmONE Personal Loan Be Used For?

Since you are looking for a marketplace for choosing a loan lender, you are going to get a lot of interest rates returned based on your credit history. These are real rates that AmONE has acquired for you from real lenders. If the interest rates seem high it is because your credit is bad, and you might want to consider some of the debt consolidation information on the website before securing a loan.  

AmONE is not yet accredited through the Better Business Bureau, but on Consumer Affairs they were rated 4.7/5 by customers who have used their service. A solid rating, you likely won’t be disappointed if you use AmONE. 

AmOne Reputation

  • A+ on BBB: BBB assigns ratings from A+ (highest) to F (lowest). BB ratings are based on information in BBB files with respect to factors such as the business's complaint history with BBB, type of business, time in business, transparent business practices, and more.
  • 4.7/5  on Consumer Affairs (+230 reviews): Consumer Affairs reviews allow customers to post positive, negative, or neutral reviews about marketplace experiences.
  • 4.6/5 on Trustpilot ( +850 reviews): TrustScore is also an overall measurement of reviewer satisfaction, represented numerically from 1 to 5.
  •  J.D Power: We considered J.D. Power’s lending consumers satisfaction study. .J.D Power offers the most comprehensive and independent study of personal loans consumer satisfaction  . The study aims to help consumers and issuers to understand user opinions and ratings of top lenders. It covers terms, benefits, services, communication, transparency and more. AmOne wasn't rated in the 2020 research.

How to Get Rates on AmONE Website?

Start by choosing the purpose of the loan you are requesting and entering an amount for the loan you are requesting and what your estimated credit score is. 

AmONE

Let AmONE know how much you need to borrow and what your employment status is. 

AmONE

From here, you will share your income and other personal information. Don’t withhold any information as the banks will ultimately require it before issuing you a loan. 

AmONE

After you finish everything you will see what loans are available for you. It only takes a few minutes and you can start comparing loans right away. 

AmONE FAQs

AmOne has a lot to offer. If you are in need of a personal loan because you are in debt, this is a great company to work with. Their customer service is great and they can help you every step of the way.

While AmOne might not be able to get you great rates if you have bad credit, they can work with you so you can see how you can clear up some debt. 

AmOne has a solid reputation within the lending industry. The company has an excellent rating on Trustpilot (4.5 out of 5) with hundreds of positive reviews and an A+ BBB rating with no complaints on file. This suggests that if any issues do arise, the AmOne team deals with them promptly, so consumers are not venting their frustrations with independent review sites.

AmOne provides access to loans for all types of credit and financial circumstances. The preapproval process does not involve a hard credit search, so it won’t affect your credit score.

However, if you decide that you want to proceed with a loan deal, the lender working with AmONE may ask permission to check your credit file.

Like AmONE, Credible has a decent reputation, especially on Trustpilot. However, while AmONE has a focus on personal loans, business loans and debt consolidation, Credible offers access to student loans and student loan refinancing, home loans and mortgages. This may mean that it is not as flexible for you if you have a start up in need of finance.

Both companies offer loan options for different credit ratings, but AmOne advertises that you can receive funds in as little as 24 hours after approval. However, Credible has a lower APR for those with good credit and can help you source loans up to $100,000 rather than the $50,000 cap with AmOne.

Monevo also provides access to loans up to $100,000 , but the actual rate will depend on your circumstances. Additionally, while AmONE has a good BBB rating, Monevo is BBB accredited, which means the company adheres to the strict BBB guidelines.

Another key difference is that Monevo allows you to select the amount and reason for seeking finance to compare appropriate types of loans. AmONE specializes in different types of finance, which may be more appropriate for some consumers.

Alternative Personal Loans Marketplaces

credible logo

bankrate logo

personalloan.com logo

APR Range The annual percentage rate (APR) is the total annual cost of borrowing money. This rate includes the interest rate as well as any additional finance charges. When you take out a personal loan, for example, you may be required to pay loan origination fees.
5.40% – 35.99%
4.99% – %35.99
5.99% – 35.99%
Term The term of your loan is the amount of time you have to repay it. For example, if you get a 24 months personal loan, the loan term is 24 months.
12-84 months
6-84 months
3-72 months
Loan Amount
$1,000 – $100,000
$1,000 – $100,000
$1,000 – $35,000

Review Personal Loan Top Lenders

Video You May Like

0/5 (0 Reviews)
Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor, which helps consumers make better financial decisions.  Silvermann's areas of expertise include investing, banking, and credit cards. Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more. Aside from being a finance expert, his background includes working as a business and financial analyst. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Compare Personal Loans

Best Rate Guarantee – $200 giftcard if you find and close with a better rate elsewhere (terms apply)

Advertiser Disclosure

The product offers that appear on this site are from companies from which this website receives compensation. 

Table of Contents

Loan Reviews Methodology

When it comes to choosing personal, student or car loans, we make sure that we evaluate all of the different products and services that are available for the lender we review. 

The Smart Investor’s selection of loan providers for inclusion here was made based on key areas we evaluated: loan types and loan products offered, fees, and APR. We also considering customer satisfaction and reliable external ratings such as J.D power/Trustpilot.

Cutting fees is now table stakes in the personal and student loans market. In addition, the most valuable loan products tend to offer a deep bench of options that meet a wide array of customer needs. These include a diverse range of loan amounts and terms, as well as loan structures. We also make sure that you’re going to save money by cutting down on the APR that goes along with the loans offered.