No long pages after pages of documents. Give them what they need and done!
I only talked to one person at AmOne and he was the only one I needed to talk to. He asked a few questions, sent me a few choices and it was so easy. Within a few hours I received my approval email. Funds will arrive in a day. I couldnt not be happier with the helpfulness of this company. I urge anyone to talk to them before any decision making on loans. "THEY ROCK!" Thank you!!!
Very easy to apply for. Had my loan approved in a matter of days, and the money deposited into my bank account in about a week. The low interest rate I received is making it possible for me to pay down all the high interest rate credit cards I have been struggling to pay down for years. Now I simply pay one monthly loan repayment with a low, low interest rate and I'm done. On my way to financial freedom!! This loan is an answer to prayer.
I had a 'good' credit score but not great. The finance charges were a bit high, but the interest rate was good- and it worked for my situation since they took the origination fee out of the loan itself. I would recommend to get out from under credit card black hole.
The application was a bit more drawn out than other auto loans I've done, asking about home equity, 401k, and other assets, but that only added a minute to filling out the forms. Approval took about 4 hours, but that is largely because I applied at 8:00am EST and they are in PST. After 3 1/2 hours, they called to verify some information, and said I would hear back within the day. About 20 minutes later I had my approval email at a great APR, and the load was unsecured, I guess that’s why they inquire about assets. Not having a lien will certainly streamline the actual auto purchase. Finishing the loan process was a few clicks of the mouse, signing the form with the mouse, and entering bank routing and account numbers into a form. I then set the date I wanted the funds, and the day of the month I wanted to make payments. Funds were in my account this morning, and I'm off to pick up the car on Saturday morning. Couldn't be easier. I'll be back for my next auto loan!
In the state of Virginia they are only allowed to offer a line of credit. It appears this is their way of circumventing predatory lending laws. However, instead of leaving the money there for you to withdraw, they give it to you all at once. THEN, because of the high interest rate, the payment goes UP EVERY month. The only way to avoid it woud be to not to use it. Easy process, great customer service. Unfortunately (In VA) a very bad product.
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