Overview

Established in 2005, AmOne works with a community of respected lenders, helping borrowers secure personal loans with flexible rates and terms. Whether looking to pay for a dream vacation or in need of some extra cash to pay for a new car, AmOne has an easy four-step online application process for personal loans.

While not a direct loan provider itself, AmOne connects prospective borrowers with a network of banks and financial institutions. After submitting an application, customers can shop through a list of offers and choose the most suitable personal loan. AmOne has a fast turnaround, and applicants can expect to receive their funds as quickly as a day after accepting the loan.

Requirements

During the application process, AmOne will request some personal and financial information. Applicants will need to provide their employment status, annual income, contact information, and address in order to receive pre-approval.

AmOne requires applicants to be a US citizen or have legal permanent residency, be 18 years or older, have a bank account, and earn a steady source of income. AmOne will also consider the credit score of the applicant, and those with higher scores will qualify for better rates.

Loan Process

AmOne makes it easy to apply for a personal loan. Those interested can start by visiting the website where they can fill out a simple form. Next, AmOne will assess the application before matching it with their lending partners.

Applicants then receive a list of offers which they can shop through for the optimal rates and terms. With AmOne, borrowers can gain access to their funds extremely quickly in as little as one day after choosing their loan.

Loan Terms

AmOne doesn’t serve as a lender, but instead, connects applicants with their network of banks and financial institutions. This gives borrowers different options. Because AmOne doesn’t supply loans directly, applicants will have the ability to shop for rates and terms from different lenders.

Not all lenders have the same terms and rates, and borrowers will have the opportunity to choose the ideal repayment terms and rates from a list of offers. With AmOne, applicants can receive a loan between $1,000 to $50,000. Repayment terms range between 24 to 84 months. APR rates depend on the credit score and bank history of the borrower, but AmOne personal loans have APRs between 6.40% to 35.99%.

Customer Support

Customers can easily get in touch with AmOne's personal loan services. Their website has a support ticket to fill in and you can also get in touch by email. Unfortunately, AmOne doesn’t have a live chat or phone number to reach them.

Aside from the contact details, AmOne’s website lacks a lot of detailed information compared to other personal lending services. You won’t find any representative examples of loans and rates. In addition, their website doesn’t have much in terms of online resources to help guide borrowers through the loan process. That being said, their site does have a fairly straightforward setup for those looking to secure a loan.