AmONE at a Glance

Feature	Details
Loan Types	Unsecured & secured personal loans, debt-consolidation loans, credit-builder loans
Loan Amounts	$1,000 – $100,000 (varies by partner)
APR Range	6.40% - 35.99%
Origination Fees	0% (platform) – 3-6% (lender-specific)
Funding Speed	As fast as 24 hours after approval
Soft-Pull Pre-Qual?	Yes — no impact on credit to view offers
Min. Credit Guidance	Many partners work with 560–600 FICO; co-applicants can help lower scores qualify
Trustpilot Score	4.4 / 5 (June 2024)
BBB	A+ rating but not accredited

How AmONE Works

1. One Form, Many Lenders

Fill out a short, mobile-friendly questionnaire; AmONE then runs a soft credit pull and pings its nationwide lender network for prequalified offers amone.com. You see real rate quotes without dinging your FICO.

2. Compare & Choose

Offers list APR, term length, origination fee, and monthly payment upfront. Selecting an offer kicks you to the lender’s site to finish a full application (hard credit pull happens here).

3. Fast Funding

If approved, some partners (e.g., Upgrade, Achieve or LendingPoint) can deposit funds within one business day —useful for emergency cash or quick debt consolidation.

Customer Experience Snapshot

Trustpilot: 4.4/5 from 5,000+ reviews, praising easy process and polite reps.
BBB: 80+ complaints in past three years—mainly unwanted calls and mismatched loan terms.
Mobile / UX: Site is responsive; no dedicated app, but forms auto-save on desktop and phone.
Security: 256-bit SSL encryption; data shared only with matched lenders

Step-by-Step Application Tips

Check your credit score and debt-to-income ratio first.
Gather docs—pay stubs, W-2s, and ID—for smoother partner hand-off.
Use AmONE’s sliders to preview loan term vs. payment before submitting.
Compare at least three offers; weigh APR and origination fee.
Lock your rate quickly—offers usually expire in 14–30 days.

Bottom Line

AmONE is a solid, no-cost starting point if you want to compare multiple personal-loan offers quickly—especially with fair or rebuilding credit. Just be prepared for follow-up outreach, read lender fine print carefully, and shop alternatives if your score is prime-level; you may snag a lower floor APR elsewhere.

AmONE