Frequently Asked Questions
Got questions? We’ve got real answers.
Whether you’re wondering who we are, how it all works, or just need answers on loans, credit, or getting out of debt, this is the place to get the lowdown. No fluff, no finance-speak – just clear, straight-up info to help you make smarter money moves.
General
Since ‘99, we’ve been on a mission to make borrowing a breeze – helping you find the best personal loans and financial products without the headache.
How? We bring the top lenders and financial solutions together in one place, cutting through the clutter so you can find what you need, fast. No confusion, no stress – just smart, simple choices.
Need proof? Check out what some of our other customers have to say – AmONE Reviews
Backed by QuinStreet, Inc. (Nasdaq: QNST) – a trailblazer in the digital marketplace game – AmONE is all about putting you in control. We use real experiences from past users to level up the process, so you get better results every time. Your money, your move.
AmONE conducts a soft credit pull, but don’t worry, it won’t hurt your score. We do this to help pre-qualify you for a loan, so it’s a good thing! Once we have your credit score and a few other pieces of information, our system will find loan options and other financial solutions, giving you all you need to make the smartest money moves. No hassle, just straight-up choices that fit your life.
There’s no exact “magic number” for loans – it really depends on the lender and the type of loan you’re going for. But generally, the higher your score, the better your chances of snagging a good deal. If your score’s in the 700s, you’re in the sweet spot for lower rates and better terms. Anything below that? It’s still possible, but you might end up with higher rates or fewer options.
Generally:
720+ = Best rates & terms
670-719 = Good approval odds
580-669 = Possible, but higher interest
Below 580 = Tougher, may need alternatives
Lenders look at more than just your score – things like income, debt, and credit history also matter. But the higher your score, the better the deal you’ll get!
Don’t worry if you don’t qualify for a loan, though! AmONE works with other companies that provide alternative solutions. Don’t believe us? Check this out!
Interest rates can vary depending on things like your credit score, income, loan amount and term length. With that said, personal loan rates with our lenders generally start around 6.49% and can go up from there.
The better your credit, the better your rate. But don’t stress if your credit isn’t perfect – our job is to help you find your best-fit options, fast and frustration-free.
Want to see your personalized rates? It only takes a minute to check – Hit Up My Rates
Your secrets are safe with us – promise. We take your privacy seriously and use bank-levelencryption to protect your personal info. No sketchy stuff, no surprise DMs, and definitely no selling your data.
We do collect info to help match you with the right financial products – things like your device type, browser, or info you choose to provide (like your name or loan needs). Sometimes we combine that with trusted third-party data (with your permission!) to make sure the offers you see are the best fit.
We also use cookies and tracking tools (like most legit websites) to make your experience smoother and more personalized. You can learn more or opt out anytime.
Plus, we follow all the big privacy laws like CCPA and GDPR — so you’re always in control. Bottom line: your info is locked down, used responsibly, and never passed around without a good reason.
Debt
It’s like organizing your financial junk drawer. It rolls all your high-interest debts (think credit cards, personal loans, etc.) into one new loan – usually with a lower interest rate and one monthly payment. That means less chaos, fewer due dates, and a clearer path to getting out of the red.
And yes – it can 100% help you bounce back. With a lower rate and a set payoff plan, more of your money goes toward crushing your balance instead of just feeding interest. Translation? You could get out of debt faster and save money doing it.
Long-term? It could actually help.
When you settle a debt, you’re usually paying less than what you owe – which can ding your credit score a bit upfront. But if your score is already feeling the heat from late payments or maxed-out cards, the hit might not be as dramatic as you’d think.
The real glow-up comes later. Once that debt’s behind you, you’ve got room to rebuild. Less debt = lower credit utilization = potential score boost over time. So yes, it might dip a little at first, but settling can be a solid move if you’re drowning in balances with no end in sight.
Not all debt is on the table for settlement, but a lot of it is. You can typically settle credit card debt, personal loans, medical bills and even some payday loans. The key is that the debt has to be unsecured – that means no collateral like your house or car attached. Secured debts, like a mortgage or auto loan, are a different story and usually can’t be settled, because the lender has something to claim if you don’t pay.
The good news? If you’re in a bind and dealing with unsecured debt, settlement can be a game-changer. It’s a way to lower your debt and potentially avoid long-term financial strain. Just keep in mind that settling debt could affect your credit score, but it can also be a step toward getting back on track.
Here’s what usually qualifies:
Credit cards
Personal loans
Medical bills
Store cards
Some private student loans
Here’s what’s tougher to settle:
Mortgages
Auto loans (especially if you still have the car)
Federal student loans
Utility bills (unless they’ve already gone to collections)
So if your debt’s unsecured (not tied to stuff like your house or car), there’s a good shot it can be settled. Still unsure? Fill out our form and we’ll help you figure out your options fast – Scope out my options
Debt’s not all bad, but it can definitely get messy if you’re not careful. The risks usually come from high interest rates, late fees, and getting stuck in that cycle of just making minimum payments. If you’re not keeping track, you could end up in debt way longer than you planned.
For things like debt settlement, you’re paying less than what you owe – but it could hurt your credit score a bit and you might even get a surprise tax bill. Consolidation loans can help save you cash, but only if you don’t rack up more debt elsewhere – otherwise, you’re just shifting the weight around instead of knocking it out.
Bottom line: Debt relief tools can totally work, but they need to be part of a bigger game plan to keep you on track. We’ve got your back in figuring out what works best for you.
We wish we could give you an exact date, but honestly, it depends on your debt and your game plan. If you consolidate, it could take anywhere from a few months to a few years depending on how much debt you’re dealing with and how fast you can pay it off.
Debt settlement? It’s usually a longer road, around 1-3 years, but you’ll be seeing progress as you go. The trick is to stay consistent, avoid picking up more debt and keep that eye on the prize: stress-free living!
It’s not magic, but with the right strategy, you’ll get there faster than you think. We’re here to help you find the easiest way to crush that debt!
Personal Loans
A personal loan is like a financial lifeline. It’s cash you borrow from a lender that you pay back over time in fixed monthly payments. Personal loans are also unsecured – meaning you don’t need to put up your house or car as collateral – that you can use for pretty much anything – debt consolidation, home improvements, big purchases or even a little life upgrade. Think of it as a clean, flexible way to get the funds you need, without swiping a credit card or dipping into savings.
What’s in it for you?
Fixed interest rates – no surprises! NEED MORE EXPLANATION
Set monthly payments – you know exactly what’s coming out of your account.
Quick cash – get approved fast and use the money however you need.
Lower rates – compared to credit cards or payday loans.
In short, a personal loan is your tool to simplify life and tackle those financial goals without the headache. It’s about making things easier and saving money in the long run.
Alright, let’s break it down: While we can’t guarantee everyone gets the green light, you’ve got a solid shot if you’ve got a few things in your corner:
Credit score – Not perfect? No sweat. A good score helps, but lenders also look at other things (so don’t freak out if your score’s not 800).
Income – If you’re bringing in steady cash, lenders like that. It shows you can keep up with payments.
Debt-to-income ratio – Basically, they want to know you’re not drowning in debt. Less debt = more yes.
Other factors – Job history, payment habits – all that stuff counts too.
The good news? You can check if you’re in the running without wrecking your credit. And don’t worry, we’ll help you find the loan that makes the most sense for you!
Not exactly! Your credit score definitely matters, but its not the dealbreaker you might think – it helps lenders get a snapshot of how you’ve handled money in the past. But it’s not the only thing they care about.
They also look at other factors, like how much money you’re bringing in and whether you’ve been able to manage your debt. If your credit score isn’t perfect, it’s not an automatic no. You still have options, and we’re here to help you navigate the process and find the loan that works for you.
If your score’s on the lower side, it might make things a little trickier, but it doesn’t mean a “no” right off the bat.
That totally depends on the loan you snag, but most personal loans give you anywhere from one to seven years to pay it back. Think of it like a playlist – you can go with the short-and-sweet remix or the extended version with smaller monthly payments. The cool part? You get to pick what works best for your budget and your vibe. Just know the longer the term, the more interest you might end up paying overall.
Sneaky fees? Ugh! Nobody’s got time for that. Some lenders do throw in stuff like origination fees, late payment charges, or prepayment penalties (yep, they might charge you for paying off early – wild, right?). That’s why it’s super important to actually read the fine print – not the most exciting thing in the world, but totally worth it. When you use AmONE, we help you filter through all that noise and match you with lenders who keep it real. No bait-and-switch energy here – just transparency and options that fit your life.
Credit Repair
It’s like organizing your financial junk drawer. It rolls all your high-interest debts (think credit cards, personal loans, etc.) into one new loan – usually with a lower interest rate and one monthly payment. That means less chaos, fewer due dates, and a clearer path to getting out of the red.
And yes – it can 100% help you bounce back. With a lower rate and a set payoff plan, more of your money goes toward crushing your balance instead of just feeding interest. Translation? You could get out of debt faster and save money doing it.
Long-term? It could actually help.
When you settle a debt, you’re usually paying less than what you owe – which can ding your credit score a bit upfront. But if your score is already feeling the heat from late payments or maxed-out cards, the hit might not be as dramatic as you’d think.
The real glow-up comes later. Once that debt’s behind you, you’ve got room to rebuild. Less debt = lower credit utilization = potential score boost over time. So yes, it might dip a little at first, but settling can be a solid move if you’re drowning in balances with no end in sight.
Not all debt is on the table for settlement, but a lot of it is. You can typically settle credit card debt, personal loans, medical bills and even some payday loans. The key is that the debt has to be unsecured – that means no collateral like your house or car attached. Secured debts, like a mortgage or auto loan, are a different story and usually can’t be settled, because the lender has something to claim if you don’t pay.
The good news? If you’re in a bind and dealing with unsecured debt, settlement can be a game-changer. It’s a way to lower your debt and potentially avoid long-term financial strain. Just keep in mind that settling debt could affect your credit score, but it can also be a step toward getting back on track.
Here’s what usually qualifies:
Credit cards
Personal loans
Medical bills
Store cards
Some private student loans
Here’s what’s tougher to settle:
Mortgages
Auto loans (especially if you still have the car)
Federal student loans
Utility bills (unless they’ve already gone to collections)
So if your debt’s unsecured (not tied to stuff like your house or car), there’s a good shot it can be settled. Still unsure? Fill out our form and we’ll help you figure out your options fast – Scope out my options
Debt’s not all bad, but it can definitely get messy if you’re not careful. The risks usually come from high interest rates, late fees, and getting stuck in that cycle of just making minimum payments. If you’re not keeping track, you could end up in debt way longer than you planned.
For things like debt settlement, you’re paying less than what you owe – but it could hurt your credit score a bit and you might even get a surprise tax bill. Consolidation loans can help save you cash, but only if you don’t rack up more debt elsewhere – otherwise, you’re just shifting the weight around instead of knocking it out.
Bottom line: Debt relief tools can totally work, but they need to be part of a bigger game plan to keep you on track. We’ve got your back in figuring out what works best for you.
We wish we could give you an exact date, but honestly, it depends on your debt and your game plan. If you consolidate, it could take anywhere from a few months to a few years depending on how much debt you’re dealing with and how fast you can pay it off.
Debt settlement? It’s usually a longer road, around 1-3 years, but you’ll be seeing progress as you go. The trick is to stay consistent, avoid picking up more debt and keep that eye on the prize: stress-free living!
It’s not magic, but with the right strategy, you’ll get there faster than you think. We’re here to help you find the easiest way to crush that debt!