AmOne logo

Loan Amounts



Loan Term


12–84 months

APR Range


2.49% to 35.99%

Min. Credit Score



Editorial Rating

AmOne logo

Editorial Rating

AmOne Review

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Loan Amounts



Loan Term


12–84 months

APR Range


2.49% to 35.99%

Min. Credit Score






Funding Time


One business day

Founded in



BBB Rating


A+ (not accredited)

Min. Revenue





All 50 states

AmOne logo

Editorial Rating

If you’re having a hard time figuring out how and where to take out a loan, maybe our AmOne lending platform review can help you with that.

AmOne is an online platform that matches borrowers with financial institutions that provide personal loans.
This article will provide you with more information about the platform. We will address matters such as:

  • What AmOne is, and who should use it
  • Information to know before getting a loan through the AmOne platform
  • What AmOne reviews reveal about the platform
  • The pros and cons of using AmOne
  • AmOne rates and fees
  • Privacy and security
  • Frequently asked questions (FAQ) about AmOne

What Is AmOne?

AmOne is an online loan matching company and a subsidiary of QuinStreet. It was founded in 1999 as a place where people can borrow money online instantly.

AmOne is dedicated to connecting individuals and small businesses with its network of lenders.  No matter borrowers’ credit rating, this platform strives to find loan options for everyone.

Who Is AmOne Best For?

AmOne is a solution to consider for everyone in need of:

  • Quick money loans
  • Secured personal loan
  • Unsecured personal loans
  • Debt consolidation loans

The platform is also a great solution for individuals who have poor or bad credit ratings and want to borrow money. AmOne has no minimum credit score requirements, so even people who don’t have an excellent or good credit score can use the platform to borrow money online.

Getting Started with AmOne

First, visit the official AmOne website.

You will have the option to select the purpose of your loan and the loan amount you require.

You can choose between the following types of personal loans:

  • Auto Loan
  • Baby/Adoption
  • Boat
  • Business
  • Pay Off Credit Cards
  • Debt Consolidation
  • Emergency
  • Home Improvement
  • Household Expense
  • Major Purchase
  • Medical/ Dental
  • Moving/Relocation
  • Motorcycle
  • RV
  • Special Events Expense
  • Student Loan Refinance
  • Taxes
  • Vacation
  • Other

Once you have selected the loan purpose, you’ll need to enter the loan amount you require. You may request anywhere from $100 to $50,000.

After this, you will be required to provide the following information about yourself:

  • Employment status
  • Annual pre-tax income
  • If you own or rent your home
  • First and last name
  • Date of birth
  • Address, city, and state you live in
  • Email
  • Phone
  • Social Security Number

After providing AmOne with this information, you will be able to review your loan options.

Terms & Requirements

To apply for a loan via AmOne, you must be:

  • At least 18 years old
  • A US citizen or permanent resident

What credit score do you need for AmOne?

While AmOne has no minimum credit score requirements, some of its partner lenders might. However, AmOne has loan options for borrowers of all credit ratings. It will find options for personal loans for individuals with both bad and good credit ratings.

Note: Although AmOne doesn’t have credit score requirements, your credit score will affect your chance of getting approved for a loan or the loan terms. 

What can influence AmOne loan approval?

Factors that can influence your loan approval are:

  • Credit history
  • Your income after monthly expenses
  • Availability of collateral
  • Location
  • Financial situation
  • Loan amount
  • Loan usage

User Reviews

What did customers have to say about the platform in their AmOne reviews? We combed through the ones we found on various review platforms, and here is what we found.

The majority of reviews were positive. However, we also came across some negative ones.

Here is a summary of good AmOne personal loans reviews:

  • The platform has a large network of partner lenders
  • Many users were approved for a loan quite quickly
  • The platform gives customers many loan options to choose from
  • Many customers reported that the whole loan process — from applying to getting one — didn’t take too much time
  • A great number of customers praised AmOne’s customer service

And here are the bad AmOne reviews we found:

  • Some users didn’t find AmOne’s customer support team helpful
  • Several customers complained about the platform connecting them with lenders that have high interest rates
  • Users reported that some AmOne agents can be quite persistent with phone calls after you fill out the form on the website

Rates & Fees

Using the AmOne platform to find a lender is completely free. Therefore, AmOne doesn’t charge any fees.

However, if borrowers decide to go forward with a loan offer, lenders may charge some fees (e.g., origination fee, late payment fee, and more).

When it comes to the estimated annual percentage rate of the loan (APR), AmOne and its partner lenders offer an APR that ranges from 2.49% to 35.99%.

Privacy & Security

AmOne uses different technical, administrative, and physical security measures to protect all user data it obtains. However, the platform cannot warrant complete security of information that users provide.

AmOne is a subsidiary of QuinStreet and, as such, will share user data with other QuinStreet businesses, advertising partners, and third parties. Any information users provide to AmOne will be shared with other parties to provide customers with services they require.

While using the AmOne platform, users may be redirected to other sites. As these have their own privacy policies, AmOne takes no responsibility for the practices and tools they use to obtain and secure customer data.

Customer Support

Users can get in touch with AmOne’s customer support team by submitting a contact form on the website and by phone.

AmOne vs LendingTree

Both platforms are known for connecting borrowers with lenders. But how similar are they, and how do they differ?

Let’s check it out.

AmOne and LendingTree both:

  • Offer personal loans options
  • Offer loans of up to $50,000
  • Charge no fees

However, there are some crucial differences between the two:

  • LendingTree has a greater variety of products (personal loans, mortgages, credit cards, etc.)
  • AmOne has loan options for amounts under $1,000
  • LendingTree is BBB accredited

Final Verdict

Now, let’s sum up what we liked and didn’t like about AmOne.

What we appreciate about AmOne is that it has no minimum credit score requirements and can find loan options for individuals of virtually all credit ratings. Moreover, many users have reported that the whole loan process (i.e. checking rates, applying, and funding) is quite fast.

However, there are some downsides to AmOne as well. For example, the platform can share user data with other businesses and third parties. Moreover, AmOne customers have no real guarantee that the lender they get matched with will actually approve them for a loan.

Overall, AmOne seems a good place to check out loan options. If users don’t find what they’re looking for, at least their credit scores will remain the same.


  • Loan options for individuals with bad credit
  • No fees
  • Loan term of up to 84 months


  • Shares user information with third parties
  • Approval not guaranteed
  • Users cannot view loan options without creating an account
AmOne logo

Editorial Rating


Is AmOne legit?

Yes, AmOne is a legitimate platform that matches borrowers with direct lenders. It is owned and operated by QuinStreet PL, Inc.

Is AmOne a good loan company?

Based on AmOne customer reviews, the platform is a good place to find loan options. AmOne has no minimum credit score requirements and strives to find loan options for individuals with both good and bad credit ratings.

Will my credit score be affected by AmOne?

No, it won’t. Since it only does a soft credit check when users check their loan options, AmOne has no impact on their credit scores.

Does AmOne do a hard pull?

No, AmOne doesn’t perform a hard inquiry on your credit report. Using the AmOne platform to review loan options has no effect on an individual’s credit score. However, if they accept an offer, their lender will usually do a hard pull, which may impact their credit score.

How do I know if I qualify for an AmOne loan?

To qualify for an AmOne loan, you must at least meet the platform’s requirements. Although each lender has specific requirements, they all agree that borrowers should be at least 18 years old, be US citizens or permanent residents, and have a source of income.

Does AmOne charge a fee?

No, AmOne doesn’t charge any fees. Using AmOne to find an online personal loan is free. However, if borrowers go forward with a loan offer, their direct lender might charge some fees.

Is my information kept secure when I apply through AmOne?

AmOne uses different security measures to keep customer information it obtains safe. However, the platform cannot guarantee complete security of the obtained user data.

How does AmOne compare to other lending marketplaces?

Much like other platforms that connect borrowers with lenders, AmOne offers its services for free. Moreover, AmOne is also an option to consider for those who need quick loans. Finally, like many lending platforms, AmOne has a large network of partner lenders.