We run a free online loan-request and matching service; we are not a lender and do not make credit decisions. Lenders and lending partners in our network may pay us when we pass along a request, and that compensation can influence which offers appear and in what order, but it never costs you anything.
We are not a lender
Our service collects one amone loan request and passes it to lenders and lending partners in our network; we do not lend money, approve applications, set rates or fund loans.
Every credit decision is made by the lender that reviews your request. The lender decides whether to make an offer, how much to offer, the APR, the loan term, any fees and when funds are sent. We do not see your loan account after you accept an offer, and we cannot change any term a lender sets.
Submitting a request does not mean you will receive an offer. Some requests are not matched with any lender, and a lender that does respond may offer a different amount than you asked for. Requests can range from $500 to $5,000.
How we are compensated
Lenders and lending partners pay us a fee, usually for each request we refer or each loan that results, and borrowers never pay us anything to use the request form.
Compensation arrangements differ from partner to partner. Some pay when a request is passed to them, some pay only when a personal loan is funded, and some pay through third-party networks that work with many lenders. Because we earn money this way, we have a financial interest in matching requests with participating partners. We think you should know that before you use our service.
How compensation may affect the offers you see
Compensation may affect which lenders receive your request, which offers are displayed, and the order in which they appear, so the list you see is not every option available in the market.
Our network includes a limited number of lenders and partners. Many lenders do not participate, and some offers available elsewhere may never appear through our service. When more than one offer is shown, placement can reflect factors such as the lender's criteria, your request details and the compensation we receive. Placement is not a ranking of quality, and it does not mean one offer is right for you.
We encourage you to compare any offer you receive with options from your bank, a credit union or other sources before you accept. Reading the APR, fees and total repayment amount on each offer is the most reliable way to compare.
What we do not do
We do not charge borrowers fees, make credit decisions, promise approval or particular rates, broker loans for a commission paid by you, or ask for upfront payments of any kind.
- We never ask you to pay to submit a request or to "unlock" an offer.
- We do not promise approval, a specific APR or a funding time.
- We do not provide credit repair, debt settlement or legal advice.
- We do not require you to accept any offer; there is no obligation.
If anyone claiming to represent us asks for a fee, gift card or wire transfer, do not pay. Contact our team using the details on our contact page for our request team.
Representative example
Borrowing $3,000 over 18 months at 24.99% APR would mean about $201.56 per month and about $3,628.09 repaid in total, including about $628.09 in interest.
This figure is an estimate only; actual terms come from the lender. Typical personal loan APRs run roughly 6% to 36%, and borrowers with weaker credit tend to see the upper end. Terms for amounts between $500 and $5,000 commonly run from a few months to 36 months, and some lenders offer longer terms. Your APR depends on your credit history, income, existing debts, the amount and term you choose, and the lender's own criteria. Some lenders charge origination fees, which can be deducted from the funds you receive. Late or missed payments may lead to fees, collection activity and credit damage. Our explanation of personal loan rates shows more examples.
Credit checks
Some lenders may run a soft credit check to show you options, which does not affect your credit score, and a lender usually runs a hard check only if you move forward with a specific offer.
A hard inquiry can lower your score by a few points for a period of time. Each lender follows its own process, so read the lender's disclosures before you agree to continue.
Independent service and non-affiliation
We are an independent service and are not affiliated with, endorsed by, or connected to any lender or company with a similar name.
Search phrases such as amone lending or amone loan are used on this site only to describe the requests our service handles. Any similarity between our name and the name of another business is coincidental, and no other company is responsible for our service.
State availability
Not every lender operates in every state, so the offers, amounts, rates and terms available to you depend on where you live and on each lender's licensing.
Some states limit loan amounts, fees or interest rates, and some lenders do not serve residents of certain states at all. If no participating lender serves your state, you may not receive an offer through our service.