Whether you’re looking to start a small business, pay for a vacation, or consolidate credit card debt, a personal loan could be just what you need to accomplish your goals. But with so many options out there from numerous lenders, it can be difficult to nail down the best personal loan for your needs.
Interest rates vary across lenders and also depend on your creditworthiness, so you’ll want to compare personalized offers from multiple lenders to ensure you don’t overpay. To do this, you’ll need a reliable personal loan search and comparison site — one that is easy-to-use, transparent, and reputable.
This guide offers the insights you need to determine if AmOne is the right site for you to use as you search for personal loans.
Is AmOne a good company?
Yes. AmOne is a trusted and reputable company that has been developing its service since it was founded in 1999. The company’s goal is to give potential borrowers a leg up by providing customized offers that allow users to easily identify the best rates and terms.
AmOne also aims to be a compassionate organization that serves everyone, even people with poor credit who have been turned away by traditional banks. This is made possible by AmOne’s software technology, which helps match users with customized loan offers. They serve thousands of customers each week and have assisted borrowers in getting approved for a collective $4 billion in loans.
AmOne does not lend money, but rather connects borrowers with lenders through customized offers. But the service doesn’t end with the search tool — AmOne is unique in that it provides live assistance to borrowers, so you can always call and speak with a loan expert. And the best part is, there’s no fee to use the service.
Which loan products does AmOne offer?
AmOne connects users with a variety of financial products and services to help them meet their financial goals. These include:
AmOne provides customers with a range of debt consolidation services depending on their needs. For those with good or excellent credit who just want a lower interest rate, the company provides offers from debt consolidation lenders. Debt management services are also available for those who don’t qualify for a loan, and debt relief is available for people who are significantly struggling to get out of debt.
AmOne helps people compare offers from a variety of credit card issuers. And because you can sort offers by the necessary credit score, it’s easy for anyone to find a card that meets their needs. There’s no need to apply for dozens of credit cards without knowing your approval odds; AmOne streamlines the process by showing you which cards you’ll likely be eligible for.
Loans at AmOne
AmOne connects users with both personal loans and business loans. To get started, you’ll select the purpose of the loan and your estimated credit score, and AmOne will match you with personalized offers from a variety of lenders that meet your needs and creditworthiness.
AmOne partners with lenders who provide the following types of loans:
- Auto loans
- Auto refinancing
- Auto repair loans
- Credit-building loans
- Small business loans
- Start-up business loans
- Debt consolidation loans
- Personal loans for extra cash/cushion
- Home buying or refinancing
- Home improvement loans
- Investment loans
- Personal loans to finance a large purchase
- Medical/dental loans
- Moving or relocation loans
- Loans to pay off debt
- Student loans
- Student loan refinancing
- Loans to pay taxes
- Loans for emergency expenses
- Loans for vacation/travel
- Loans for weddings
When choosing the purpose of your loan, you’ll also be asked to enter your credit score range. AmOne serves people with excellent credit (750 and above), poor credit (599 or lower), and everything in between. With a variety of purposes and credit scores served, AmOne’s loans can be a solution for just about anyone.
Debt Consolidation Loan at AmOne
AmOne offers debt solutions for people with any credit score and any amount of debt. For those not eligible for a debt consolidation loan, AmOne can also connect borrowers with credit counseling, debt settlement plans, and debt relief programs.
Debt consolidation loans are best for people with good or excellent credit, but people with any credit score are invited to look at their options. These loans are designed to get you out of debt faster with a lower interest rate than your credit card’s APR. They don’t require any collateral.
AmOne connects customers with loans ranging from $1,000 to $50,000, with the amount and interest rate dependent on the borrower’s credit score. You’ll also need to answer some questions about your employment status, income, and location to be matched with the right offers.
Credit Cards at AmOne
AmOne partners with CardRatings to show you personalized offers based on your credit score. After you input your credit score, you can also filter your results by card type (cash back, balance transfer, etc.) and card issuer, if you have a preference. You’ll find both secured and unsecured options through CardRatings, so even if you have bad credit you can choose the card that’s right for you.
What AmOne customers are saying
Customers have left glowing reviews of AmOne’s service on various sites: The company has ratings of 4.7/5 or greater on CreditKarma, Consumer Affairs, and TrustPilot.
In particular, customers rave about the excellent customer service at AmOne, saying representatives do everything they can to understand your financial needs and direct you toward the right product. Many customers mention their customer service representatives by name and say AmOne was extremely helpful and straightforward in answering all their questions.
Most customers were happy with the results of using AmOne to find loan products as well. Customers say the service is easy to use and can help you get money quickly. Many report that because of AmOne’s help, they were able to find the perfect programs, products, or services to help them tackle their debt.
FAQs about AmOne
Is AmOne a lender?
AmOne is not a lender. They are a loan marketplace that uses technology to match borrowers with partner lenders based on their borrowing needs. You can’t get a loan directly from AmOne, but AmOne can help you compare offers from lenders to save you time and money.
How do I apply for a loan with AmOne?
To apply for a loan with AmOne, you’ll first need to identify the purpose of your loan and your estimated credit score. From there, you’ll need to answer a series of questions regarding your employment status, income, location, and other criteria used to match you to the right lender. The process is brief and live agents will be standing by to help you along the way.
Does AmOne do a hard pull?
AmOne does not do a hard pull and using the service will not affect your credit score. Once you’ve chosen a lender and proceed with your application, the lender will do a hard pull, which may cause a temporary dip in your credit score. However, using AmOne can help you find a loan product that is a good match for your situation, limiting your need to apply to multiple lenders and protecting your credit score from too much damage.
The final word on AmOne
AmOne is a great fit for people in any financial situation and is particularly well-suited for people who have questions about their loan options, how to get a loan or don’t know the best way to manage their debt. That’s because AmOne provides distinguished customer service, which means help is only a phone call away.
Additionally, the AmOne website is both trustworthy and secure, so you can rest assured that your information will be protected and you’ll get a range of legitimate options to choose from. Simply put, AmOne is a great place to start for anyone looking to find the best rate on a loan.
Disclaimer: All rates and fees are accurate as of Feb. 16, 2021.