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AmONE

5.0

MoneyAtlas

Rating

Rates From 6.40% APR — Compare The Top Lenders In One Easy Search!

AmONE at a Glance

FeatureDetails
Loan TypesUnsecured & 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 SpeedAs 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)
BBBA+ 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

  1. Check your credit score and debt-to-income ratio first.
  2. Gather docs—pay stubs, W-2s, and ID—for smoother partner hand-off.
  3. Use AmONE’s sliders to preview loan term vs. payment before submitting.
  4. Compare at least three offers; weigh APR and origination fee.
  5. 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.

Pros

  • Soft credit check: Pre-qualify without lowering your score

  • Fast $50k funding: Certain partners can deposit funds the next business day

  • A+ BBB score: 26 years in business with few unresolved complaints

Cons

  • Higher starting APR (6.40%): Some rivals advertise lower entry rates.

  • Up-to-8 % origination fee: For example, you could lose $400 upfront on a $5k loan

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AmONE

5.0

MoneyAtlas

Rating

Get My Rate