Overview

Founded in 1999, AmOne is a loan provider matchmaker rather than a direct lender. Its user-friendly approach allows borrowers to begin the debt consolidation process without extensive upfront personal information.

As an intermediary, AmOne connects borrowers with a variety of loan offers from different lenders without negatively impacting credit scores. By connecting borrowers with suitable debt consolidation loans, AmOne simplifies your finances into a single debt with one monthly payment and the potential to save on interest rates.

AmOne’s easy-to-navigate platform allows borrowers to explore loan options by simply clicking “See your loan options.” The process begins without requiring an exhaustive amount of personal information upfront. Plus, customers can use the free debt consolidation calculator to understand their new monthly payment and interest rate before applying.

In addition to debt consolidation, AmOne provides loans for various purposes, including auto expenses and medical bills. This flexibility makes it appealing to those seeking financial assistance.

AmOne offers a convenient and user-centric solution for borrowers seeking debt consolidation loans. Its strengths lie in simplicity, privacy, and a wide range of loan purposes. However, potential borrowers should weigh the trade-offs between intermediaries and direct lenders when considering AmOne’s services.

Eligibility Process

You can explore debt consolidation options without affecting your credit score. The straightforward interface ensures privacy while requesting minimal details upfront. Users can easily navigate and discover lending options tailored to their unique financial situations before accepting an offer.

AmOne stands out for its ability to accommodate consumers with varying credit scores, including those with poor credit. They function as a marketplace, connecting borrowers to their network of lenders willing to accept lower credit scores than usual. Having different lenders to choose from enhances the likelihood of loan approval.

To apply for a loan through AmOne, applicants need to meet certain criteria, including age, residency, income, and credit score requirements, though these can vary depending on the lender and loan type. AmOne's service is highlighted by its safety measures, like SSL encryption and a commitment to user privacy, ensuring a secure and trustworthy process for its customers.

Debt Services

With AmOne, borrowers can consolidate multiple debts into a single manageable loan, potentially reducing interest rates and simplifying payments. The platform’s extensive network of lenders provides flexibility, so you can shop around for the best rate and terms on your loan.

Although AmOne itself does not charge for its matching services, the lender it connects you with might impose their own fees and rates, which can vary significantly. This necessitates a thorough review of loan terms and conditions by the borrower. Also, while a soft credit check is initially performed, your lender will likely run a hard credit check at a later stage, which could impact your credit score.

How It Works

AmOne offers a streamlined debt consolidation service that connects borrowers with a network of lenders through a proprietary matching system. This service is designed for individuals seeking to consolidate their debts into a single loan, potentially with better terms.

Users start by filling out an online form, detailing their financial situation, including credit score estimations, loan purposes, and income details. This information allows AmOne to match applicants with suitable lenders, offering a range of loan options without affecting the applicant's credit score due to a soft credit check.

AmOne debt consolidation will walk you through the application process, making it easy and straightforward to complete everything online. First, you’ll need to indicate the purpose of your loan, whether for debt consolidation, to pay off credit cards, home improvement, and so on.

After selecting debt consolidation, you’ll share the amount of money you intend to borrow, ranging from $2,500 up to $50,000. Other information that AmOne will request at this time includes your employment status, annual pre-tax income, whether you own or rent your residence, and your contact information.

How to Apply:

• Visit the AmOne website
• Click “See your loan options”
• Specify your loan intent (e.g., debt consolidation)
• Provide basic information
• Explore personalized loan offers

Can I Do It Myself?

AmOne debt consolidation makes it easy to apply for a loan so you can simplify debt and better manage your money. The website will walk you through the first steps by asking a few basic questions about yourself and your financial goals through the online application.

Next, AmOne will instantly provide a list of trusted lenders that match your profile. You can shop around and choose the lender best-suited for your goals. Then, you’ll apply online and process the loan once accepted. Throughout the entire process, AmOne customer service is available to guide you on any questions you may have.

In addition, the AmOne website has a range of resources to help educate yourself on your financial situation. The free debt consolidation calculator will instantly calculate your new monthly payment, debt-free time, and estimated interest paid. You can also find resources in the online FAQs and blogs to learn more about debt consolidation and tips to become debt-free.

Customer Support

AmOne’s customer-centric approach ensures that borrowers receive assistance throughout the loan search process. If you have any questions, you can get in touch with their live loan experts by phone at 888-401-0330. Their website also has a range of resources to help improve your financial literacy including a free debt consolidation calculator, blogs, and FAQs.

AmOne holds an B+ rating from the Better Business Bureau (BBB), highlighting its commitment to resolving customer complaints effectively, despite not being BBB accredited. That said, dissatisfied customers have complained about receiving too many promotional calls/texts as well as difficulty getting approved for their loan.