AmOne Reviews: Is it legit for finding a loan? (2021)

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Money shortages can happen even to those of us who have iron-clad budgets. When you find yourself in a financial jam, it’s good to know you have reliable options for getting out.

However, it’s tough to know who to trust when you’re looking for an online loan. How do you know the personal loan you’re applying for is legitimate?

Luckily, there are services like AmOne Funds.

AmOne is a trustworthy and convenient lending service that can help you find the right loan for your specific financial situation. Using this platform, you’ll get access to several personal loan options without doing damage to your credit score.

And it’s easy to use, too. As one reviewer on wrote:

“The loan process was hassle-free … It was quick and professional. One of the best customer experiences I have had.” - Sheri

Read on for our full AmOne review:

What is AmOne?

AmOne Funds (not to be confused with is a free service that connects consumers and small business owners with loan options.

If you need a personal loan between $100 and $10k, they’ll help you find the best deal.

They use a state-of-the-art search process to help you find the best loan offers, and they employ loan matching specialists to help you make smart financial decisions.

Looking for a loan? Get started with AmOne now!

Is AmOne a legitimate company?


They don’t store your personal information, so you don’t have to worry about hackers. And they only share your details with the lending partners that you choose to work with, so no phone calls from annoying telemarketers.

Their application process is safe, secure, and confidential.

What can I use AmOne loans for?

Personal loans can be helpful in almost any situation you can think of. Some of the most popular uses include:

  • Startup or small business seed money
  • Debt consolidation loans
  • Financing large purchases
  • Paying off medical bills

So whether you’re trying to start a small business or consolidate your credit card debt, this site can help no matter what your loan purpose is.

Of course, you don’t need to have had one of these life events to apply for a personal loan. These types of loans are available to cover almost any expense, planned or unplanned.

Read more about how AmOne works!

How much does it cost?

AmOne will never ask you to pay for their loan matching service.

That’s right:

They’ll connect you with a network of potential lenders for free!

(We’re talking no hidden costs.)

Plus, they’ll never ask for checking or credit card info, which ensures you’ll never have to pay them a dime.

How does AmOne make their money?

How do they make a profit if they don’t charge for their services?

Well, they don’t charge you — they charge the loan provider. So if they refer you to a direct lender and you take out a loan, the site gets a cut of the lender’s profit.

In other words, AmOne is a loan matching service that helps you find the best loan terms without taking money out of your pocket. It’s a win-win!

What makes AmOne different from other lending sites?

Through this site, you can apply for up to $10,000 in personal loans. But you can also look for credit cards that you qualify for.

Not to mention, their US-based hotline will connect you with a financial expert to help you find the best loan provider.

Additionally, they receive more than 1.5 million loan requests every month, so you know they’re trustworthy!

What are the requirements to get a loan?

Since AmOne isn't an actual lender, they don't have any set requirements. As mentioned above, AmOne's job is to connect you with multiple lenders in an effort to get you a variety potential offers and loan options.

Eligibility criteria will vary for each individual lender, but when it comes to requirements, you might expect your selected lender to look at the following on your loan application: credit score, credit history, annual income, and your overall ability to make monthly payments.

How to find loans through AmOne

This platform’s loan process is very simple:

1. Make sure you meet their qualifications. In order to get a loan, you must:

  • Be 18 years or older.
  • Hold a valid Social Security number.
  • Be a United States citizen or permanent resident.
  • Have a steady source of income
  • Have a valid bank account.
  • Have a working telephone number and email address.

2. If you meet these qualifications, head to

3. Enter the amount you want to borrow and click Find My Loan.


4. Enter your phone number and the last four digits of your social in the corresponding boxes.


5. Click Continue.

6. Fill out the online form. It asks for your credit score, desired loan amount, and the purpose of your loan. It also asks for your date of birth and contact information so that your desired lender can get in touch with you.

The application looks like this:


7. When you complete the application, you’ll be presented with a series of different options and loan terms. All you have to do is choose the one that works best for you and wait for the lender to call you.

You could have the funds in your bank account within 24 hours!

If you have questions during this process, you can email them directly at [email protected]. Unfortunately, their phone number is not public at this time, although you’ll receive one upon filling out an application.

Will AmOne look at my credit report?

This platform is not a direct lender. Their job is to connect you with lenders who can provide the loan you’re looking for.

Therefore, they will not check your credit score.

However, the lenders they work with do. Before giving you a loan, your provider might ask for permission to check your credit report.

If you're worried that your credit score might be holding you back, check out our guide on credit repair.

AmOne reviews: Pros and cons

So what are the upsides and downsides of this platform? Let’s take a look:


Quick lending process

You can get money in your bank account within one day of applying!

Wide range of loan options

Even if you have bad credit, AmOne can help you get the money you need.

No hidden costs

They never ask for your credit card info, so you can be sure they’ll never charge you.

Readily available helpline

Upon creating an account, the company will give you a phone number where you can reach them whenever you need.


Lack of transparency

Some users have reported that they can’t find the APR of the loans they’re matched with until they get farther along in the process.

Depending on the borrower’s circumstances, those interest rates can get pretty steep.

Customer reviews from other sources

AmOne is rated 3.5/5 stars at Consumer’s Advocate. With three stars for flexibility and four for customer service and reputation, CA considers this a trustworthy service.

This platform has over 800 reviews on Trustpilot. Here are a few things that customers have said:

“Thank you for your superior customer service and for aligning me with an alternative option that ended up being exactly what I needed.” - Alicia, August 2019
“My credit will be saved and with this program I will be able to live without the fear of lawsuits and bankruptcy … This program is by far the best option for me that I didn't even know was out there!” - John, June 2019
“Excellent customer service. Genuinely nice people. Really wants to help those who are struggling with debt, and doesn't judge regardless of their past credit history. Would recommend it to all my family and friends!” - Seng, January 2019

Unfortunately, not all of the reviews are so good. At LoanReviewHQ, this platform holds a rating of 2/5 stars.

Although LoanReview commends the site for its easy approval process, they criticize the high-interest loans that it promotes.

Citing other customers’ reviews, the author writes:

“Many applicants mentioned in their reviews that they did get a loan funded through AmOne’s lender network, but they had interest rates in the triple digits going as high as 750%.”

As you can imagine, most people don’t want to end up with that type of loan. Before locking yourself into a less-than-desirable contract, be sure to read the fine print.

The final verdict

Ultimately, the choice is yours. If you’re looking to secure a business loan or consolidate your student loans, you can use AmOne Funds to find a provider.

This platform has a proven track record of offering a variety of personal loans and financial solutions. Whether you have excellent credit or poor credit, they’ll be able to help you find what you’re looking for.

However, as with all money-lending scenarios, you should be a savvy borrower and make sure to review the details of your loan before you sign up. If their interest rates are too high, check out another platform, such as CreditArm, BillsHappen, or Session Loans.