OneClickLoan Review

By Kevin Mercadante

Company profile:

OneClickLoan is a loan aggregator which compares the entire lending market, from loans as low as $1,000 and as high as $10,000. OneClickLoan also caters to those with very poor or no credit, alongside those with outstanding FICO scores. Founded and headquartered in Antigua, this West Indies-based company operates entirely online and is simply there to provide a free way for borrowers to find the best deal. The company has performed this service for almost 4 million borrowers across the United States in its decade of existence and boasts a team with more than 150 years of collective internet and tech experience.

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OneClickLoan isn’t a direct lender of loans, so terms of use are defined by the eventual lender that OneClickLoan helps the consumer to discover. The company takes steps to only partner with only reliable and trustworthy lenders in the United States.

Service profile:

Lenders found through using the OneClickLoan will have wildly different profiles on their services, but the service will allow consumers to search for loans from $1000 to $10,000. There are also options to select credit scores between “649 and under” and “750 or more” – along with “No Credit”. Repayments will be subject to the eventual lender’s service, but the collected partners offer between 6% and 29.95% APR on loans and repayments. Terms can be as long as 60 months. It is important to note that APRs vary according to the information supplied in your loan request and each lender’s policies, rates, and terms.

As for service coverage, this will also be determined by the eventual lender’s terms of use – but blanket exclusions include residents of Arizona, Arkansas, Georgia, New York, North Dakota, Oregon, West Virginia, and Washington. The default loan types available through OneClickLoan partners include debt consolidation, credit card finalization, home improvements, single large purchases, automobile, wedding, dental, medical and more.

Loan Features

  • 60-month maximum term
  • $1,000 to $10,000 loans
  • 6% - 29.95% APR*
  • No credit score minimum
  • Approval within minutes*
  • Funding paid within days*
  • No prepayment penalties*
  • No teaser rates or hidden fees*


* Not all lenders adhere to these terms.

* APRs vary according to the information supplied in your loan request and each lender’s policies, rates, and terms.

Loan Application Information

Partners of OneClickLoan may ask for the following information to support your loan application:

  • Paystubs
  • W-2 forms
  • Bank statements
  • SSA-1099
  • Proof of identity
  • Proof of income
  • Employment status
  • Social security number


The individual requirements for each lender will vary drastically, so be prepared to dig out documents and evidence to support the application process. Each provider will have different requirements for credit score, employment status, income etc.

Repayment terms:

Repayments through OneClickLoan partners are available with APR beginning at 6% and a maximum of 29.95% APR. The maximum term is 60 months and this will normally be tied to larger amounts of lending, where 12 months is the average for borrowing below $10,000. If OneClickLoan is unable to find a personal loan based on your information, it can also source loans for more immediate needs – these loans will be subject to higher APR.

Help and support:

The OneClickLoan website is home to an in-depth ‘How It Works’ section which is important in understanding the service on offer. To get in touch with OneClickLoan itself, you can reach the company via phone, contact form or at the company’s physical address.


Consumers can use the OneClickLoan system without spending a dime, which is incredible considering the service could save you thousands of dollars in saved interested. With fantastic search and comparison software, OneClickLoan is able to find you the best loan on the web. Without this system, you might never find the cheapest loan and you might spend hours and days looking in vain. Just be aware that OneClickLoan is not responsible for your experience with the eventual lender, it’s just a middle-man.

Physical address:

Rue Du Faubourg, Suite No. 4 Weathered Bldg. Redcliffe Street, St. John's, Antigua

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