How to apply for a loan?
- You can apply by phoning AmOne or by going to their website. Even while you can talk to your lender over the phone, the site's support team suggests email instead because it's faster.
- First, you'll need to explain why you need a loan. A button lets you select the credit score range in which you find yourself.
- After entering your information, the site will provide a list of potential loan offers with the highest approval rates in minutes.
- AmOne looks at tax records and annual income in addition to credit scores. This data is used to assess your creditworthiness and find the most suitable lender.
- Once you've filled out the application and submitted it to AmOne, you'll receive regular offers that meet your criteria.
- Choose the personal loan that works best for your financial situation.
Requirements
You should check that you're a good fit for AmOne requirements. There are several criteria you need to meet to get approved for a personal loan:
- You must be 18 or older;
- You must carry a current and active Social Security card;
- You must be a citizen or permanent resident of the United States;
- You must maintain a reliable income;
- You must have an active bank account;
- Ensure your contact details (phone and email) are functional.
Application details
After formally applying for a personal loan, you must provide supporting paperwork. The documents can be submitted in person, via fax, email, regular mail, or through a personal loan app. If you like, you may also apply by phone with AmOne. Usually, you'll need to show some form of identification, like a:
- Identification for operating a motor vehicle;
- Passport;
- Documentation issued by the state;
- Official proof of citizenship;
- Document Proving One's Birth;
- Identity cards for the military.
AmOne will also require you to provide further proof of residence, such as one of the following documents:
- Bills for utilities;
- Insurance for the home;
- tenancy contract or lease agreement;
- Voter registration card.
The lender might also ask for the following documents from you:
- W-2s and 1099s, as well as paystubs and tax returns;
- Bank statements;
- Information about how to get in touch with the employer.
Be aware that even if you provide the lender with documentation of your income, the underwriter may still contact the employer to verify the information. The time it takes to have a loan approved is typically one business day.
