Loan Frequently Asked Questions


What is the loan process?

We've simplified things by making our free service available online. To start, you can complete our simple online loan solutions form or you can call us toll-free at 1-800-781-5187. Should you fill out our online form during our regular business hours (which are Monday through Friday from 9:00 AM to 9:00 PM and on Saturday from 9:00 AM to 5:00 PM Eastern time), you can expect to receive a call from one of our financial search specialists within an hour of our receiving your information. Often, we're able to respond within five to fifteen minutes of receiving your initial information. During this first call, we explain how AmOne can help you and we answer any questions you might have regarding your loan options and our free matching service. For most people, we can match you to a financial option the same day.

What types of loans does AmOne have available?

Although AmOne isn't a direct lender, we have spent over 16 years researching great loan options available throughout the United States. These options include personal loans for any use, debt consolidation, business loans, as well as auto loans and mortgage loans. We can also help you locate the right credit card for your financial situation. Our free service can help you locate the highly rated loan options in your market area.

What is an unsecured loan?

One of the loan options available is what's known as an unsecured loan. This type of loan doesn't require any collateral in order to obtain the funding. The lender bases the approval on your credit. This loan type can be used for any purpose and it usually comes with a fixed interest rate (although the rates tend to be much higher than secured loans).

What is a secured loan?

A secured loan is a loan that uses your property (like a home or apartment you own, or a car you own free and clear) in order for you to obtain the loan. While, as with an unsecured loan, the lender looks at your credit as part of their approval process, having an asset to secure the loan can make you more attractive as a borrower, especially if you have bad or poor credit. Additionally, the interest rate will be lower with a secured loan due to the use of collateral.

What credit requirements do you have?

What's required depends on what financial solution you're looking for. We work with a network of highly rated and trusted providers in order to provide options for all types of credit and financial situations.

Do you have loan programs for less than perfect credit?

We have over a decade's worth of experience working with all credit types. We have loan solutions for both consumers and small businesses with no, bad, or poor credit. Please keep in mind that while we don't and can't guarantee that you'll be approved for a loan we work with you to ensure that you are matched with the highly rated loan option that suits your financial needs and your credit situation. We also have solutions available to help you to improve your credit so you can better your chances at obtaining the loan you need.

Do you offer loans for businesses?

AmOne can match your small business or startup business with experienced lenders who specialize in helping entrepreneurs grow their companies.

Do you offer mortgage loans?

While AmOne isn't a direct lender, we have spent over 16 years researching the best home loan providers and the highly rated home loan options. Our free service can help you locate the highly rated mortgage financing or refinancing options available in your market area.

How do I know if a mortgage is right for me?

AmOne has resources online to help you learn more about mortgages, what to look for when applying for a mortgage, and the different mortgage types available. Our financial search specialists are also available to answer your questions toll-free at 1-800-781-5187.

Do you offer loans outside the U.S.?

No, at this time we can only assist clients who reside in the United States.

What if I don't qualify for a loan?

Whatever the reason, we can help you to improve your financial situation so that you can qualify the next time. We have credit experts and financial search specialists who work with you to find alternatives and ways in which you can raise your credit score, better your credit history, manage your debt, and more.

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Questions? - 800-781-5187
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