AmONE Personal Loans Review 2025: Pros, Cons, and Alternatives

Business Insider's personal finance team compared AmONE Personal Loans to the best personal loan lenders of 2025 and found it to be a standard option due to its wide lender network.

AmONE connects borrowers with multiple lenders, allowing them to compare loan offers without impacting their credit scores. It's a strong choice for those who need fast funding, flexible repayment terms, and access to a variety of lenders.

However, AmONE is not a direct lender, meaning borrowers will need to carefully review the terms and conditions of each lender they match with. Additionally, some lenders may charge high origination fees, and interest rates can be on the higher end for those with lower credit scores.

AmONE Personal Loans Pros and Cons

AmONE Personal Loan Pros

• Multiple loan offers in one place. AmONE Personal Loans connects borrowers with various lenders, helping them compare interest rates and terms before committing.
• No impact on credit score for prequalification. Prequalifying for loan offers through AmONE won't affect your credit score, allowing you to explore options risk-free.
• Available for a range of credit scores. Borrowers across various credit levels, including fair and good credit, may still qualify for loans through AmONE's marketplace.
• No fees to use AmONE. The platform itself is completely free to use, though individual lenders may charge fees.
• Receive funds as soon as 24 hours. Once approved, some lenders in AmONE's network can fund loans within one business day, making it a great option for borrowers who need quick cash.

AmONE Personal Loan Cons

• Not a direct lender. Since AmONE is a loan marketplace, borrowers must work directly with lenders, which may result in varying customer service experiences.
• Potentially high maximum interest rate. While rates start at 6.99% APR, borrowers with lower credit scores may receive rates up to 35.99%, which is on the higher end for personal loans.
• Origination fees may apply. Some lenders within AmONE's network charge origination fees, which can increase the overall cost of borrowing. It may be worth checking our top picks for the best no origination fee personal loan companies.
• Loan terms and rates depend on the lender. Since AmONE Personal Loans partners with different lenders, loan offers, interest rates, and fees vary.

Apply for a Loan

AmONE Personal Loans

Compare rates

On AmONE's website

Insider’s Rating

3.5/5

Perks

Offers multiple loan offers in one place with flexible repayment term options

Regular APR

6.99% to 35.99% APR

Minimum Credit Score

Undisclosed

Pros

• Multiple loan offers in one place
• Flexible repayment term options (1 to 7 years)
• Available for various credit scores
• No fees to use AmOne

Cons

• Not a direct lender
• High maximum interest rate
• Limited number of lenders
• Origination fees may apply
• Loan terms and rates depend on lender

Show Pros, Cons, and More

Overview of AmONE Personal Loans

AmONE is an online loan marketplace that connects borrowers with potential lenders rather than issuing loans directly. By filling out a simple online form, applicants can compare multiple loan offers without affecting their credit score. However, because AmONE is not a direct lender, loan terms, interest rates, and approval times vary depending on the lender chosen.

AmONE Personal Loans Features and Benefits

AmONE Personal Loans can be used for debt consolidation, home improvements, medical expenses, major purchases, and other personal financial needs. While the platform is free to use, borrowers should be aware that some lenders may charge origination fees, which can reduce the amount received from the loan.

Repayment terms between 12 and 84 months. This flexibility makes AmONE a suitable option for borrowers looking for both short- and long-term financing.

How to Apply AmONE for Personal Loans

AmONE Loans Step-by-Step Application Process

1. Fill out an online form. Borrowers start by providing basic information, including income, employment status, and loan purpose.
2. Compare your loan offers. AmONE matches applicants with potential lenders, allowing them to review loan terms before applying.
3. Choose a lender and complete the application. Borrowers select a lender and finalize the loan application process directly through that provider.
4. Accept your loan terms and receive funds. If approved, funds may be disbursed in as soon as one business day.

AmONE Personal Loans Interest Rates and Fees

AmOne connects borrowers with various lenders, so loan terms, rates, and fees vary based on the lender and the borrower's credit profile. Here's a general overview of what to expect:

• Loan Amounts: Varies by lender. AmONE lists different loan amount ranges throughout their website.
• APR: Can range from 6.99% to 35.99% APR, depending on creditworthiness and lender terms.
• Origination Fees: Some lenders charge an origination fee between 1% and 8% of the loan amount, while others may not charge one at all.

Since AmONE is a loan marketplace, it's best to compare offers to find the most favorable terms.

AmONE Personal Loans Customer Experience

AmONE Personal Loans has received strong ratings from users, earning a 4.2/5 on Trustpilot and an A+ rating from the Better Business Bureau. Borrowers have reported a smooth and easy loan-matching process, with quick responses and helpful customer service. The application process is praised for being simple and fast, featuring a quick online form that categorizes loans based on the borrower's needs.

Many also commend AmONE Personal Loans' ability to connect them with multiple lenders without affecting their credit score. Borrowers say they are often approved quickly and appreciate the responsive customer service, with multiple ways to get in touch.

AmONE Loans Personal Loans Alternatives

AmONE Loans vs. Upstart Personal Loans

Upstart is a platform that offers personal loans based on both credit history and alternative factors like education and job history. AmONE is a loan marketplace that connects borrowers with multiple lenders, so loan terms, interest rates, and approval speeds vary depending on the chosen lender.

Upstart's APR ranges 6.70% to 35.99% fixed, with loan amounts ranging from $1,000 to $50,000. AmONE's minimum APR is slightly higher at 6.99%. Both platforms may charge origination fees, though the specific amount will depend on the lender.

Read our Upstart personal loan review.

AmONE Loans vs. LendingTree Personal Loans

Like AmONE, LendingTree is a free-to-use personal loan marketplace that connects borrowers with lenders. LendingTree offers APR rates starting lower than AmONE, from 5.99% to 35.99% with repayment terms also ranging from 12 to 84 months.

AmONE also offers APRs between 6.99% to 35.99% APR, depending on the lender and credit profile.

Read our LendingTree personal loan review.

AmONE Loans vs. Credible Personal Loans

AmONE and Credible are both free-to-use personal loan marketplaces, meaning they will connect you with the best offers. AmONE APR rates are comparable to Credible's. Credible offers interest rates from 6.94% to 35.99%, compared with terms ranging from 12 to 120 months. With AmONE, repayment terms range from 12 to 84 months.

You won't pay origination fees with either platform, but specific lenders might charge depending on their terms.

Why You Should Trust Us: How We Rated AmONE Personal Loans

We rate all personal loan products in our reviews and guides on a 1-5 scale. For our AmONE Personal Loans review, the overall rating is a weighted average that considers seven different categories, some of which are judged more heavily than others. They are:

• Interest rate (20% of rating)
• Fees (20% of rating)
• Term lengths and loan amounts (15% of rating)
• Funding speed (15% of rating)
• Borrower accessibility (15% of rating)
• Customer support (7.5% of rating)
• Ethics (7.5% of rating)

See our personal loan rating methodology for more details.

At Business Insider, our reviews are guided by editorial independence, meaning our recommendations and ratings are based on objective criteria, thorough research, and expert analysis. Advertisers do not dictate our content, ensuring our reviews remain transparent and unbiased.

FAQs

Layla Melendez

Personal Finance SEO Editing Fellow

Layla Melendez is a personal finance SEO editing fellow based in New York City, specializing in optimizing content to help readers navigate financial decisions with ease and confidence. With over a year of experience in student journalism, she has developed expertise in copyediting, content creation, and digital media management, including working with CMS platforms to organize, upload, and manage digital archives. She recently joined the team at Business Insider in January 2025, where she works on enhancing the accessibility and visibility of personal finance content for a global audience.ExperienceLayla is passionate about making financial literacy approachable and practical. In her role, she focuses on optimizing personal finance articles, with a focus on student loans, personal loans, and mortgages.Before joining Business Insider, Layla gained experience in communication, journalism, and media through a variety of roles:

• At Relentless Awareness, she developed press materials and advocacy campaigns, including efforts that contributed to a $50 million funding boost for upstate NY cities.
• As a World News Intern for GBH’s The World, she edited and published digital stories, designed social media posts, and contributed to newsletter production.
• During her time with the NYC Comptroller’s Office, she managed social media accounts, created engaging IG Reels, and captured event photography featured in outlets like Politico and City & State NY.

ExpertiseLayla’s growing expertise includes:

• SEO strategy and content optimization
• Financial literacy education for beginners
• Digital storytelling, copywriting, and social media management
• Multimedia content creation using tools like Canva, Adobe Creative Suite, and WordPress

EducationLayla holds a degree in Communication and Journalism from the University at Albany, SUNY, where she has been recognized for academic excellence with awards such as the Spellman Academic Achievement Award and the Summa Cum Laude distinction.When she’s not working, Layla enjoys travel, listening to music, reading, and seeking out new experiences across the city.

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