is am one legit

AmOne Personal Loans is an excellent choice if you’re looking for a personal loan.

AmOne was founded in 2001. They specialize in helping you find the best personal loan rates. Their network of lenders will match you for free. They pay the lenders, not you.

AmOne Personal Loans Review & Ratings

AmOne Personal Loans is an excellent choice if you’re looking for a personal loan and want to compare several offers to find the best rates.


  • Multiple Loan Offers
  • Competing Lenders
  • Personal Loan Specialists
  • Bad Credit OK


  • Rates By Lender
  • You must provide personal information
  • Lenders may call you by phone

AmOne offers customers multiple offers from their network banks and lenders.

AmOne does not provide loans. The Company acts as a loan broker, connecting borrowers with a network lender. There is no minimum credit score.

They match customers with multiple lenders that offer the best interest rates.

AmOne Loans offer many benefits and some disadvantages.

Who is AmOne?

AmOne Corp. was founded in 1999 and offers small loans online from Fort Lauderdale, Florida.

These are not lenders, but they provide a platform for borrowers with bad credit or good credit to get the best rates through multiple offers from various banks and lenders.

What makes them different?

AmOne’s accessibility and customer service have been praised in countless reviews.

Their customer service representatives seem to be caring. You have many options to reach them, including via a toll-free phone number or through their live chat feature.

They can offer personal loans to those with poor credit or no credit.

AmOne could lend money to you even if your bankruptcies, repossessions, and judgments are not in order.

Remember that you are more likely to default if your credit score is lower or poor credit history.

AmOne reviews show that they are one of few marketplaces that do not require income or credit. You only need to be 18 years old and a U.S citizen to apply.

AmOne Corp. offers the option to apply for and complete the loan process using your smartphone via their app.

How do AmOne Personal Loans work?

AmOne is one of the most user-friendly platforms. It takes only 30 seconds to find the best rate.

AmOne sends your information to lenders within their network who may be able to match you up.

Lenders will then make you an offer for personal loans based on your credit score, credit history, as well as your ability to repay.

1. Find your rate

First, select Personal Loans and complete the short form. Entering your information takes approximately 1 to 2 minutes.

Please provide basic information, income, and the amount you want to borrow.

AmOne Corp. does not check your credit score to offer you a lender. They do only a soft credit assessment.

You can see the rates available without worrying about them impacting your credit.

2. Compare Your Options

After you submit the form, you will be taken directly to a dashboard.

The dashboard will include multiple pre-approvals from different lenders.

These are pre-approvals, and approval is not guaranteed. You will see the actual rates you have been pre-qualified for.

The rates you see are generally very accurate, as long as your credit information is correct and you can verify it.

Rates are fairly solid once you have confirmed and verified everything. You can see all of your options and choose the best option for you.

3. Get a Personal Loan

After you have chosen a lender, you can apply. During the application process, you will be asked additional questions about your loan use and financial history. The lender will conduct a credit check. All of this can be done on the AmOne website.

After this step, the lender will contact you to finalize all details of the loan.

AmOne Personal Loans Rates & Terms

AmOne allows you to see offers from multiple lenders, so we wanted you to know the maximum and minimum amounts you could be offered. Different lenders may offer different amounts.

  • Loan amount range: $1,000 – 50,000
  • APR Range: 2.99% to 35.25%
  • Fees: Late Payment, Origination, and NSF fees are all determined by the lender.
  • Prepayment Penalties: None
  • Lender Terms: 1- 7 Years
  • Payments directly to Creditors: Variable depending on the lender.

Once you have chosen a lender, they will pull credit reports and perform a hard pull. Keep your applications in the 15-day time frame. Only one hard inquiry will appear on your credit report if you have applied with multiple lenders.

AmOne Personal Loan Eligibility

To be eligible for AmOne personal Loans, you must meet these AmOne personal loan requirements.

  • You can be a U.S. citizen or a permanent resident
  • At least 18 years of age

These are the only requirements. There is no minimum credit score.

What information will you need to apply?

These details are required to complete the online form.

  • Your date of birth.
  • How much you would like to borrow.
  • How do you intend to spend the money?

Before you begin, make sure to have this information.

AmOne Personal Loan Calculator

To calculate the monthly payments based on the interest rate, length of personal loan, and amount borrowed, use the Personal Loan Calculator.

Your credit score and ability to repay the loan will determine the interest rate. Each lender will assess their rate based upon their criteria.

This calculator allows you to adjust the loan variables to understand better how they affect your monthly payments.

The monthly payments will decrease as you extend the loan term, but your total interest payment will increase.

Customer Reviews

Customers of AmOne overwhelmingly praise AmOne’s customer service team for being friendly and able to solve problems.

Customers appreciate the fact that loans are available for people with poor credit or no credit.

After reading through hours of AmOne reviews, we feel confident recommending them to anyone who may need future financing.

Take Action and Get a Loan

Personal loans are a great way to consolidate credit card debt and meet any necessary expenses.

AmOne Corp.’s network of lenders will provide a personal loan for you if you have poor credit.

To complete your loan application, click the link below or above. It takes less than 2 minutes.


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I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.  I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.

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A personal loan is a medium term loan with a fixed interest rate that is repaid in equal monthly payments and it's usually limited to 24 months. Loan offers and eligibility depend on your individual credit profile. Our lenders can help you obtain as much as $3,000 depending on the lender, your state and your financial situation.

The owner and operator of is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning personal loan products and the industry is presented on the website for information purposes only. does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Online personal loans are not available in all the states. Not all the lenders in the network can provide the loans up to $3,000. cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a personal loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually. 


APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since is not a lender and has no information regarding the terms and other details of personal loan products offered by lenders individually, cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with, and has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a personal loan product. 

Late Payment Implications

It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document. 

Non-payment Implications

Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied. 

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means. 

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.