AmOne
- Company typePrivate
- Founded1999
- HeadquartersFort Lauderdale, United States
- Headcount101–250
- GTM typeB2C
- OfferingDigital Commerce or Content
What AmOne does
AmOne is a consumer-facing loan marketplace and lead-generation platform, founded in 1999 and operated as a brand by QuinStreet PL, Inc. (headquartered in Foster City, California). The platform aggregates 70+ vetted lenders — including SoFi, Avant, Upgrade, Upstart, One Main Financial, Best Egg, LendingClub, Happy Money, LightStream, Achieve, LendingPoint, and Prosper — behind a single online application. Borrowers complete a roughly two-minute questionnaire, receive soft-credit-pull pre-qualifications that do not impact their FICO score, and can compare personalized loan offers for amounts ranging from $1,000 to $100,000 across personal loans, debt consolidation, home improvement, auto, emergency, medical/dental, small business, and credit card payoff use cases. AmOne supplements matching with debt management and debt relief referrals, free Pond (Credit Sesame) credit monitoring, and educational/calculator tools.
Under the hood, the platform is a multi-lender aggregation and routing layer: a single form submission distributes borrower data to multiple partners, returns pre-qualified offers, and supports live U.S.-based phone assistance (888-401-0330). The technology stack emphasizes integration breadth rather than proprietary underwriting — AmOne does not originate loans, price credit risk, or build lending models itself; AI-driven underwriting resides with partners such as Upstart. AmOne's own differentiators are soft-credit pre-qualification, lender breadth, content/SEO assets, and a 25-year consumer brand.
AmOne's business model is affiliate/referral-based: the matching service is free to consumers, and revenue is generated when matched users are referred or funded by lender and financial-service partners. The platform acquires users primarily through SEO-optimized content (loan guides, 'Best Of' comparisons, financial calculators), earned media placements (Forbes, USA Today, U.S. News, WSJ), and an active affiliate/publisher program. Customers are individual U.S. consumers across the full credit spectrum; the platform reports 50M+ people helped since 1999, 100K+ personal loans funded in the past year, and $1.5B+ in debt managed in 2024. No app, API, or SDK distribution exists — the website is the sole channel.
AmOne firmographics
Firmographics- Name
- AmOne
- Legal name
- QuinStreet PL, Inc.
- Website
- https://amone.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
AmOne industry classification
Industry- Product category
- Loan Comparison Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
- akta.pro secondary industries
- Balance Transfer & Credit Card Refinance Loans (FSAKAIAA), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
Keywords
Where AmOne is headquartered
LocationHeadquarters
- HQ city
- Fort Lauderdale
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
AmOne business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Marketing or Sales, Technology or R&D, Personnel, Operations, Infrastructure
Revenue model
- Lender Referral/Finder Fees: AmONE is compensated by lenders and financial service providers in its network when users are matched or referred. This is the primary revenue stream. The service is free for consumers — lenders pay for the customer acquisition channel that AmONE provides.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free loan matching service for consumers |
| Other | Pay-as-you-go | Lender-specific rate tiers determined by credit profile |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
AmOne product offering
Product offeringCore offering
AmOne operates a free online loan matching marketplace that connects U.S. consumers with a network of 70+ vetted lenders through a single 2-minute application with soft credit pre-qualification. Borrowers receive personalized offers for personal loans, debt consolidation, small business, auto, emergency, home improvement, and medical/dental loans, with loan amounts ranging from $1,000 to $100,000 and rates starting as low as 6.49% APR. The company also facilitates debt management and debt relief services through partner credit counseling agencies; the matching service is free to consumers and AmOne is compensated via lender referral fees.
Product overview
AmONE is a free loan matching marketplace platform that connects consumers with personal loan providers and debt management solutions. The platform operates as a comparison and matching service rather than a direct lender, offering multiple product categories including Personal Loans, Unsecured Loans, Small Business Loans, Auto Loans, Emergency Loans, Home Renovation Loans, Medical/Dental Loans, Debt Consolidation Loans, Credit Card Debt Loans, and Debt Management/Relief services. Additional offerings include loan calculators (Auto Loan Calculator, Debt Consolidation Calculator, Installment Loan Calculator), credit monitoring tools (Pond), and educational resources. The platform matches borrowers with a network of lenders including SoFi, Avant, One Main Financial, Upgrade, Upstart, and others, allowing users to compare personalized offers without impacting their credit score. The company has facilitated over 100,000 personal loans in the past year and managed $1.5B+ in debt in 2024.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans Unsecured personal loans for debt consolidation, home improvement, auto, medical, emergency, and major purchase needs, with amounts from $2,000 to $100,000 and rates from about 6.40% APR on representative offers. Available across the credit spectrum through AmONE's network of vetted lenders.
- Small Business Loans Personal loans used for business purposes including startup costs, inventory, equipment, marketing, working capital, and expansion, available up to $50,000–$100,000 through lender partners including Achieve and LightStream. Targets small business owners who may not qualify for traditional small business loans.
- Auto Loans Financing options for vehicle purchases through dealerships or private-party sales, offered as an alternative to traditional auto financing by matching borrowers with vetted lenders via the AmONE platform.
- Emergency Loans Personal loans for unexpected expenses such as home repairs, medical costs, car repairs, sudden job loss, and urgent legal fees, with funding available as quickly as the next business day through lender partners.
- Home Improvement Loans Personal loans for home improvement projects including renovations, modifications, deferred maintenance, and emergency repairs, provided without using the home as collateral through AmONE's lender partners.
- Medical / Dental Loans Unsecured personal loans for medical and dental procedures, elective treatments, ongoing care, and consolidation of medical bills, available through AmONE's lender network.
- Debt Consolidation Loans Personal loans that combine multiple high-interest debts (especially credit card balances) into a single lower-interest loan with a single monthly payment, available via partners such as Happy Money (Payoff), SoFi, and LendingClub.
- Credit Card Debt Loans Personal loans specifically aimed at paying off high-interest credit card debt faster, at lower interest rates, via a single monthly payment through AmONE's lender partners.
- Debt Management Debt management plans offered through partner credit counseling agencies that help reduce interest rates and monthly payments on unsecured debts.
- Debt Relief Debt settlement and relief options that help consumers reduce overall debt amounts and make monthly payments more manageable via partner providers.
- Loan Matching Platform Free online marketplace that matches borrowers with vetted lenders nationwide through a single 2-minute application; pre-qualification uses a soft credit pull that does not affect the user's credit score. Operated by QuinStreet PL, Inc.
Quantifiable outcome
- 100,000+ personal loans funded in the past year
- +3 more outcomes
Companies that use AmOne
Customer profileNamed customers12 records
Segments4 records
Ideal customer profiles4 records
AmOne technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
AmOne partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Pond (Credit Sesame)minorAmONE partnered with Pond (powered by Credit Sesame) to offer free credit monitoring and score-boosting tools integrated into AmONE user accounts. Pond is included at no cost and earns revenue from lenders rather than users. The partnership provides AmONE users with credit monitoring, score improvement insights, fraud alerts, and personalized loan offers over time.
- QuinStreet PL, Inc. (Parent Company)coreAmONE is a brand owned and operated by QuinStreet PL, Inc., a digital marketing and lead generation company headquartered in Foster City, CA. QuinStreet provides the technology infrastructure, marketing technology, and operational platform that AmONE runs on.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
AmOne competitors and assessment
Company assessmentEmerging players
- MoneyLion: MoneyLion is a digital consumer finance platform offering personal loans, credit-building, and financial tracking products — overlapping AmOne's borrower segments and increasingly competing for the same lender-referral economics.
- Acorn Finance: Acorn Finance is a personal loan marketplace that lets borrowers compare offers from multiple lenders through a single application — a more focused, emerging competitor in the same personal loan comparison category.
- SuperMoney: SuperMoney is a financial product comparison platform that matches borrowers with lenders and debt relief providers — a niche but directly comparable emerging marketplace peer.
Direct peers
- LendingTree: LendingTree operates the largest US consumer loan marketplace, matching borrowers with multiple lenders for personal loans, debt consolidation, mortgages, and more — directly comparable to AmOne's model and lender referral revenue stream.
- NerdWallet: NerdWallet is a consumer finance comparison and content platform that connects users to lenders across personal loans, credit cards, and mortgages — overlapping directly with AmOne's marketplace and content strategy.
- Finder.com: Finder is a global financial product comparison marketplace that lets consumers compare personal loans, credit cards, and banking products from multiple providers — directly comparable to AmOne's marketplace business.
- Credible: Credible is a personal loan and student loan refinance marketplace that compares offers from multiple lenders in a single application — a direct competitor to AmOne in the personal loan comparison category.
- Even Financial: Even Financial operates a financial product search and recommendation platform connecting consumers with lenders and financial institutions — closely comparable to AmOne's API/marketplace approach to lender matching.
Broad incumbents
- Bankrate: Bankrate (owned by Red Ventures) is a broad financial comparison and personal finance content incumbent spanning loans, mortgages, credit cards, and deposits — overlapping AmOne across personal loans and content-led acquisition.
- Credit Karma (Intuit): Credit Karma is a large-scale consumer credit and financial product comparison platform owned by Intuit — overlapping AmOne on loan and credit card recommendations from a far broader user base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
AmOne social profiles
Digital presenceAmOne financial estimates
Financial estimateRevenue estimate
Valuation estimate
AmOne leadership team
Management profileNumber of profiles
Profiles1 record
AmOne funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AmOne M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AmOne
What does AmOne do?
AmOne operates a free online loan matching marketplace that connects U.S. consumers with a network of 70+ vetted lenders through a single 2-minute application with soft credit pre-qualification. Borrowers receive personalized offers for personal loans, debt consolidation, small business, auto, emergency, home improvement, and medical/dental loans, with loan amounts ranging from $1,000 to $100,000 and rates starting as low as 6.49% APR. The company also facilitates debt management and debt relief services through partner credit counseling agencies; the matching service is free to consumers and AmOne is compensated via lender referral fees.
Is AmOne a public or private company?
AmOne is a private company. It is classified as corporate owned and is currently operating.
When was AmOne founded?
AmOne was founded in 1999. It employs 101 to 250 people.
Where is AmOne based?
AmOne is headquartered in Fort Lauderdale, United States, in the North America region.
How does AmOne make money?
One revenue line is on record: lender Referral/Finder Fees.
Who are AmOne's main competitors?
Emerging players on record are MoneyLion, Acorn Finance and SuperMoney. Direct peers are LendingTree, NerdWallet, Finder.com, Credible and Even Financial. Broad incumbents are Bankrate and Credit Karma (Intuit).
Does AmOne have an API?
No public API is recorded for AmOne.
What industry is AmOne in?
AmOne's product category is Loan Comparison Marketplace. Its primary akta.pro industry code is FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured), with a secondary code of FSAKAIAA, Balance Transfer & Credit Card Refinance Loans. Its NAICS code is 522310 and its SIC code is 6163.