AmOne Personal Loan Reviews 2024: Is it legit for finding a loan?

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 a number of reputable services that can help to get you out of a tough spot when you need some cash.

Today we'll take a closer look at two different lenders that have very similar names. AmOne and AmOne Funds are both reputable services, and although they may have similar names, they have substantially different offerings for helping you out of a jam.

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What is AmOne Funds?

AmOne Funds 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.

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

Is AmOne Funds 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 Funds 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.

How much does it cost?

AmOne Funds 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 Funds 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 Funds 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 Funds 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 Funds isn't an actual lender, they don't have any set requirements. As mentioned above, their 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 Funds

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.

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Will AmOne Funds 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.

What is AmOne and how is it different?

The main difference between AmOne and AmOne Funds is the amount of money that you can borrow.

We mentioned above that AmOne Funds loans max out at $10,000, but with AmOne you can borrow up to $50,000.

We mentioned above that AmOne offers services like debt consolidation, debt management, and debt relief which can help get you back on track if you've fallen into considerable debt. If you have balances spread out across multiple credit cards, you might be able to dig yourself out of debt quicker by getting a loan from AmOne that you can use to pay off your balances—and then make payments to one lender at what will hopefully be a lower interest rate.

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

AmOne states that they have offers available for people with different credit ratings. So having less than stellar credit is not necessarily a disqualifier.

You can also use your funds for any number of objectives. Whether you're trying to consolidate debt, pay off some bills, or just have some extra discretionary cash, AmOne has options for you.

Readily available helpline

AmOne has live loan experts standing by waiting to help you. They can be reached at 1-800-781-5187.


Ambiguous APR

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. Some folks express frustration about not being able to even see a range of what the interest rates could be without giving over a substantial amount of information.

However, AmOne earns exemplary marks for customer satisfaction when it comes to interest rates. Read more about customer reviews in the next section.  

Customer reviews from other sources

AmOne is rated 4.8/5 stars at Consumer’s Advocate. With 4.5 stars for flexibility and 5/5 stars for interest rates.

AmOne also has over 900 reviews on Trustpilot. Here are a few things that customers have said:

I was very impressed with the ease of application and the quick response. In addition, your representative assisted me throughout the entire process and addressed all my concerns and questions. The quick turnaround time was a surprise and a relief. -Laurel, September 2021
I was given a slew of options, and my first choice happened to be the best choice. It took all of 24 hours, and I’m pretty certain that I would’ve had the funds the same day had it not been a weekend (I applied on Saturday). It doesn’t get better than that, beyond being approved for more than I initially requested. -Anonymous Customer, September 2021
Customer service was great. They gave me a chance and I was able to pay for my classes. Look forward to using them again in the future. -Priscilla, June 2021

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%.”

While we wouldn't recommend taking a loan at a 750% interest rate—your specific rate will be determined by your individual circumstances.  

The final verdict

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

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

These platforms have 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.