
AmONE Reviews
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About AmONE
AmONE is a personal loan marketplace designed to help consumers and small businesses find the right lenders to meet their financial needs. AmONE provides loans for many different credit and financial situations, and the preapproval process won’t affect your credit score. Once you complete an online form or call, a representative can guide you through your loan options from its network of lenders. If you don’t qualify, AmONE has experts who may be able to help you improve your credit situation.
- Wide range of lenders in its marketplace
- Fast prequalification process
- No cost or obligation to use its services
- Not a lender, only connects consumers with lenders
- Fair credit typically required
- No in-person services
Helpful Reviews
How does AmONE work?
AmONE helps consumers find personal loans and small business loans by connecting them with lenders. Through its marketplace, it works with lenders such as SoFi, Avant, OneMain Financial, Upgrade and Upstart. It can connect consumers with both secured and unsecured loans.
To find out your options for personal loans or small business loans, you’ll complete an online form with basic personal information, such as information about your credit history and personal finances. You’ll then get connected with prequalified offers, and you can pick a loan to apply for.
You can also perform this process over the phone with an AmONE Representative. During the call, the representative will answer questions, explain loan options and help match you with a lender.
AmONE requirements
AmONE's lenders have different personal loan requirements, but it works with a network of lenders to provide loan options for people with different credit and financial circumstances. However, AmONE states that consumers typically need a minimum credit score between 580 and 600 to qualify for a personal loan through one of its lending partners. AmONE’s lenders will also consider applicants’ debt-to-income (DTI) ratios, employment and income.
For its business loans, applicants will typically need a minimum credit score of 690, but AmONE says that applicants with lower scores may still qualify for a loan.
AmONE loan terms and fees
Generally, AmONE’s lenders’ personal loans are available in amounts of up to $100,000, and its small business loans typically range from around $5,000 to $50,000, though some applicants may qualify for up to $100,000. Its annual percentage rates (APRs) start at 6.49% (as of March 6, 2026). Its lenders typically have terms of up to five years.
After approval, the loan amount you receive will vary based on your credit score, financial situation and other factors.
FAQ
Is AmONE a legitimate loan company?
Yes, AmONE is a legitimate company that connects prospective borrowers with lenders through its marketplace. AmONE is owned by QuinStreet, an online marketing company based in California.
Does AmONE do a hard credit pull?
AmONE doesn’t do a hard credit pull because it is not a loan provider. AmONE only helps you find lending partners. Depending on the partner you select, the lender may do a hard credit inquiry.
Is AmONE a payday loan?
AmONE is not a payday lender, but it can connect you with lenders that offer short-term loan solutions. It’s best to contact the company for more information about its short-term loan options.
Still have questions?
Is AmONE worth it?
AmONE connects consumers with a range of loan options, though you’ll typically need at least fair credit to qualify for a loan through one of its lending partners. It costs nothing to work with AmONE, so there’s no risk involved. You can find which loans work for you online, and if you’re interested in one of its offers, you can apply for it. You can also speak with an AmONE representative to go over your matches before you apply.
AmONE Reviews
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- 4,896,854 reviews on ConsumerAffairs are verified.
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AmONE Company Information
- Company Name:
- AmONE
- Year Founded:
- 1999
- Address:
- 950 Tower Lane, 6th Floor
- City:
- Foster City
- State/Province:
- CA
- Postal Code:
- 94404
- Country:
- United States
- Website:
- www.amone.com




