FAQs
"FREQUENTLY ASKED QUESTIONS"

What kind of company is America One Funding Group? We are a loan consulting and placement firm, specializing in providing unsecured loan and line of credit approvals in a fair, efficient and easy to understand manner for individuals and small business owners nationwide. Click here to  GET STARTED.

Are there any upfront fees? No, we believe that reputable firms do not charge upfront fees of any kind for unsecured financing, therefore we strongly recommend that you do not pay upfront fees to any unsecured finance company. If anyone ever asks you for an upfront fee, you can be sure they are not affiliated with America One Unsecured. Click here to  GET STARTED.

What are the costs? Our pre-qualification process is free, with no upfront fees of any kind. In certain instances there may be a success fee due after you are approved and funded. All details will be disclosed to you in our Terms of Service Agreement, which you will receive by email should you meet our pre-qualification criteria. Our lender will disclose their associated finance and transaction costs to you directly. You can expect to receive highly competitive rates & terms based upon your unique credit profile. At America One Unsecured, our primary goal is for you to be approved for the amount of money you need, at a rate and payment term you can afford. There is no obligation to proceed at any time unless you are completely satisfied. Click here to  GET STARTED.

When is my first payment due? Usually your first payment will be due around 45 days after you receive your money. Click here to  GET STARTED.

What are your credit requirements? You must be able to exhibit a responsible credit history with the stability and ability to re-pay your obligation. Click here to  GET STARTED.

I have bad credit, can I still get approved? Our in-house program is designed to reward individuals and small business owners that have maintained a responsible credit history. That being said, if you think you have bad credit, we will gladly review your information at no cost to you. If we cannot assist you, in certain instances we may be able to offer you a free recommendation to a lending partner that may approve your loan request. Click here to  GET STARTED.

I have a bankruptcy, can I still get approved? Yes, if your bankruptcy was dismissed 10 years ago or longer and you have maintained a responsible credit history since that time, your loan request can still be approved. Please note that if the bankruptcy has not been removed from your credit report, you will be denied. Click here to  GET STARTED.

I have limited credit history, can I still get approved? Yes, it is possible, as long as you can exhibit strength in other areas, such as income, assets, home and employment stability. Keep in mind all these factors and more determine the amount, rate and term you will be approved for. Click here to GET STARTED.

Can I use a co-signer? Yes, but we only recommend using a co-signer if you have a responsible credit history and the co-signer has stronger credit than you. If you have a poor credit history, we recommend that the co-signer fill out their request individually, without you attached to the loan; otherwise your poor credit will override any strength offered by the co-signer. We recommend that a co-signer be a spouse, close relative or business partner. Click here to GET STARTED.

How much income do I need to make a year? The amount of income you need to make depends upon the size of your loan request and your existing savings. If you don’t have any savings, the minimum acceptable income level is $24,000.
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Do you offer loans outside the U.S.? Not at this time. Click here to  GET STARTED.

What is the process to get approved and funded? The first step is for you to provide the information requested on our online pre-qualification form or call us toll-free at 1-800-457-6785. If you submitted your information during our business hours of M-F, 9:00 am to 6:00 pm (EST), you can expect to be contacted by us within two hours to let you know whether your unsecured loan request meets our pre-qualification criteria. At that time we will explain in detail all aspects of our unsecured loan program and answer any questions you may have. Once we receive your commitment to proceed, you can expect to receive a final decision from our lender anywhere from a few hours to a few days later. Funding usually can take place as fast as a few hours if it is made by bank wire or it can take up to a week if a check is sent to you by mail. Click here to  GET STARTED.

Is there a way to speed things up? The best way to speed up the process is to be as responsive as possible to all phone calls and requests until your loan is funded. Click here to GET STARTED.

Who can qualify? Anyone over the age of 18 that resides in the U.S. Click here to  GET STARTED.

How do I begin? You have two options. You can complete our online pre-qualification form or call us toll-free at 1-800-457-6785 and speak with one of our customer service representatives. Click here to GET STARTED.

I am not comfortable providing my social security number online, what should I do? If you do not wish to provide this information online, call us toll-free at 1-800-457-6785 to submit a pre-qualification form over the phone. However, keep in mind that our online form utilizes the highest levels of security encryption available to protect and secure your information. We take the protection and privacy of your personnel information very seriously. Click here to GET STARTED.

Will you pull my credit report? Yes, in certain instances and with your authorization we will only pull a single bureau report to help determine whether you meet our pre-qualification guidelines. This is the minimum industry standard for any type of loan request, and is one of the main factors used to evaluate a loan that does not require any collateral to secure your re-payment. In order to gain a final loan decision, in certain instances, and with your authorization, our lender may also pull your credit bureau report.
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Can I send you my own credit report? No, we cannot accept any third party credit reports. Click here to GET STARTED.

What kind of documentation will I need to provide? Our streamlined loan process minimizes the number of documents required. The actual documents that you need to provide will vary based on your situation. In most instances, no documents are required. We will be able to tell you exactly what is required after you have been pre-qualified. Click here to GET STARTED.

Who should I contact once my loan is in process? Once you submit your online loan pre-qualification form, a personal loan consultant is assigned to guide you through the loan process. Your loan consultant is your point of contact until your loan closes. If you have applied during business hours, your loan consultant will typically call within 2 hours to explain our process and answer any questions you may have. If you would like to speak to someone sooner, please call 1-800-457-6785 and follow the prompts. Click here to GET STARTED.

Can I change my mind after I am in process? Yes, you may cancel your request at any time without penalty by giving us notice. Click here to GET STARTED.

What kind of loans does America One specialize in? We exclusively offer an unsecured loan or line of credit for individuals or small business owners nationwide. There is no collateral required and the funds can be used for any purpose. Your approval is simply based upon your responsible credit history and ability to repay your loan. Click here to GET STARTED.

Is there any collateral required? No. There is no need to secure your loan request with any assets.
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What is an unsecured loan? An unsecured loan is an advance of money that does not require collateral, such as a house, as security the loan will be re-paid. Instead the loan is backed up only by the borrower's promise to repay. Unsecured loans are also known as signature loans, because they only require your signature to get funded. Click here to GET STARTED.

What can I do with the money I get? You can use it for any legal purpose you would like. Click here to GET STARTED.

Is it possible to obtain a line of credit instead of a loan? The majority of our clients do not have a preference, as they are more interested in receiving money than how they receive money. Feel free to indicate your choice, but understand that our primary goal is for you to be approved for the amount of money you request.
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Do you offer collateral loans? Not directly, but if you're interested in using your home to secure a loan we recommend you
CLICK HERE. If you are looking for commercial financing, we recommend you CLICK HERE.

How much can I borrow for personal reasons? Unsecured Personal Loan approvals range from $1,500 to $50,000, depending on many factors, such as your personal credit history, income, previous unsecured credit limits, residence status and employment history, just to name a few. Beware of finance companies claiming the ability to approve you for more than this amount with no collateral required. You will likely find that it’s either a marketing tactic to get your application in the hopes that you will accept less money after you have invested your time in their process, or you will find that these are brokers that blast your request out simultaneously to multiple lenders in the hopes that more than one lender will approve your request without knowledge of the other lender. This is not only fraudulent, but it can damage your credit. Click here to  GET STARTED.

How much can I borrow for my business? Unsecured Business Loan approvals range from $10,000 to $50,000 for start up businesses operating for less than two years and from $10,000 to $100,000 for businesses operating for two years or more. The exact amount depends on many factors, such as your current credit history, income, previous unsecured credit limits, residence status, business gross sales and time in business, just to name a few. Beware of finance companies claiming the ability to approve you for more than this amount with no collateral required. You will likely find that it’s either a marketing tactic to get your application in the hopes that you will accept less money after you have invested your time in their process, or you will find that these are brokers that blast your request out simultaneously to multiple lenders in the hopes that more than one lender will approve your request without knowledge of the other lender. This is not only fraudulent, but it can damage your credit. Click here to GET STARTED.

What is the difference between an unsecured start-up business loan and an unsecured business loan? Start up business loans are typically for businesses that have been in operation for less than 2 years. Business loans are for businesses that have been operating for two years or more. Due to the lack of business history to evaluate your loan request, more personal credit factors will be taken into consideration for a start-up business loan than for a business loan. Click here to GET STARTED.

Is your business loan a Merchant Advance Loan? No, our product offering is 100% unsecured, with no collateral required. Our loan is available for any business. Your business does not have to accept credit cards. Your approval is simply based upon your responsible credit history and willingness to repay your loan. You will receive much lower interest rates than are offered by credit card merchant advance firms. Click here to GET STARTED.

How secure is my information? Your privacy and security is of utmost importance to us. We take stringent measures to protect your personal information. Please click here for a complete review of our privacy and security policy. Click here to  GET STARTED.

What is the interest rate I can expect to receive? Everyone’s situation is different. Interest rates will vary depending on your credit history and ability to re-pay your loan. Most clients are approved within a range of 7.9% to 19.99%.
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What are the loan terms? Loan terms will typically range from 12 to 84 months. A line of credit usually does not have a designated term. Click here to GET STARTED.

What is my payment going to be? Your re-payment amount is based upon your own unique credit profile and will be determined by the interest rate and loan term you receive after your information is evaluated. Often times your rate and term can be customized to fit the exact payment goals you would like to achieve. If you are not satisfied with your offer, you are under no obligation to proceed. Our goal is for your loan request to be approved at the most competitive interest rate and term that exists for your situation. Click here to GET STARTED.

Are there any pre-payment penalties? No, you may make more than your minimum payment or pay your loan in full at any time without incurring pre-payment penalties. Click here to GET STARTED.