The company charges $299.00 with the understanding that it will analyze your financial condition and refer you to banks, credit unions, or loan companies that 'fit your desired loan needs'. The implied assertion is that AmOne has 'special relationships' with these lenders and that you have a good chance of obtaining a loan. I stress 'implied' because they do not actually guarantee a loan - but they do claim to stand behind the client 110% and also claim to have a 100% client satisfaction guarantee. However... read full review »