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Since 1999, AmOne has connected borrowers with a reliable network of lenders to consolidate their debts effectively. The service provides upfront payment with a variety of loan types and terms to suit borrower needs. Over the years, the company has helped over 13 million customers with their financial needs, making it a trusted company in the debt consolidation industry.
Millions of Americans struggle with some form of debt–AmOne makes debt consolidation simple and worry-free by instantly matching you with appropriate solutions that meet your individual needs.
by QuinStreet PL, Inc.
AmOne is a service designed to simplify the process of consolidating high-interest debts, with loans ranging from $2,000 to $100,000. The service brings you top lenders, giving you the choice to compare your loan options and select the one that best suits your needs.
Beyond debt consolidation, AmOne helps customers with various personal loan services, including credit card debt, home improvement, business loans, auto loans, emergency funds, and more.
AmOne offers a range of loan types and terms, including fixed-rate and adjustable-rate loans. You'll receive a lump sum of money upfront, which you can use to pay off your debts. You'll then repay the loan with a single, manageable monthly payment.
They provide a free credit score assessment that helps you identify potential pitfalls and offers tailored advice on how to improve your credit score. Customer service is available 24/7 to assist and answer any questions you may have.
The entire process is free. Simply answer a few Questions about your Debt with their simple form.
With the answers about your debt filled out, AmOne experts will match you with lending partners offering the best offers you qualify for.
AmOne’s friendly and helpful matching specialists, based in the U.S., are available to guide you through the debt consolidation loan process. You’ll have the chance to discuss a variety of important topics, including the impact on your credit, potential legal options, and tax implications.
One of the critical aspects you’ll review together is the terms and fees that are most suitable for your lifestyle. A consultant will guide you through your loan matches to ensure you understand everything and avoid any unwanted surprises. Additionally, to help you stay on track, your consultant can help educate you on programs that can help improve your credit score like automatic payments.
AmOne takes a more inclusive approach to loan eligibility compared to traditional lenders. While perfect credit and a flawless payment history may be required by other lenders, AmOne considers applicants who are 18 years or older and need loans of $1,000 or more. This provides an opportunity for individuals with less-than-perfect credit to access the financial assistance they need.
AmOne's loan matching services are 100% free. Your only payment will be a flat fee or a percentage of your monthly payment paid directly to your lender.
AmOne provides diverse options for managing and consolidating debt, each with its own benefits and considerations, ensuring you can find a solution that best fits your financial situation.
A debt consolidation personal loan is an unsecured loan designed specifically for consolidating debt. Depending on your situation, you can use the loan to pay off your debt(s) directly, or you can have your lender handle all of your creditors on your behalf for a simplified single monthly payment.
If you qualify for a debt consolidation loan with a lower interest rate than what you’re currently paying, you can save money on interest. Loan amounts with AmOne typically range from $2,00 to $50,000 with terms of up to 7 years, typically paid in monthly installments.
Another way to consolidate your debt is through a balance transfer credit card – a process in which you transfer all of your debts to a card with a 0% or low-interest introductory period. You can save on interest, earn rewards like cash-back and travel, and even boost your credit score with on-time payments.
0% or low-interest introductory periods usually range from 12 to 21 months, so this can be a smart decision if you plan to pay off your debt in 1 to 2 years.
If you own a home with positive equity, you can use a home equity loan to consolidate debt. You’ll receive a set amount of money at once to put toward your debt. Because a home equity loan is secured by your home and not strictly dependent on credit score, you may qualify for a lower interest rate compared to an unsecured debt consolidation loan. However, there is a risk of foreclosure if you fail to make payments.
Here's an example of an AmOne debt consolidation loan:
*Example rates and fees reflect borrowers with excellent credit.
You would receive $19,400 after the $600 origination fee is deducted. You would make 60 monthly payments of approximately $390.39, resulting in an APR of 6.40%. The total cost of the loan over 5 years would be $27,273.33.
AmOne simplifies the debt consolidation process, making it accessible even for those with less-than-perfect credit, due to its variety of loan types, flexible terms, and fair rates.
By offering personalized loan matching and a wide range of options, AmOne ensures that you can find a debt consolidation solution tailored to your unique needs. Whether you're dealing with small or large debts, AmOne's comprehensive services and supportive loan consultants are there to guide you every step of the way.
by QuinStreet PL, Inc.
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