Debt consolidation can be a great option for anyone who is struggling with debt. By consolidating your debts into one loan, you can reduce your monthly payments and get your finances back on track. You may have been contacted by Alliance One Funding offering you a debt consolidation loan based on the following claims:
- Your pre-approved debt consolidation loan has an interest rate of 2.92%.
- Over $100,000 is in the check.
- Save over $2,700 a month.
- With your own personalized reservation code, it’s easy to apply.

Doing your research and shopping around for different options is crucial to finding a reputable debt consolidation company. Alliance Once Funding seems appealing since it offers low interest rates and convenient terms, but how can you tell if it’s legit or not? It is the purpose of this review to provide detailed information on how the company works, its credibility, and what their customers have to say about it.
Alliance One Funding company summary

In order to help you decide if Alliance One Funding is the right lender for you, we investigated their website and terms and conditions. Here are some of the things we noticed:
- Alliance One Funding does not lend money. It is not a bank or financial institution.
- Alliance One Funding works with independent lenders and debt relief companies who each have their own standards.
- An individual’s creditworthiness and state law may affect the amount, terms, and APR of a loan.
- Depending on the state, a minimum loan amount may be required.
- Those who no longer meet the requirements after applying may not be granted credit.
- APRs range from 2.92% to 24.99%.
Is Alliance One Funding a scam?
Alliance One Funding is a firm that facilitates the connection between borrowers and potential lenders. However, they are not accredited or rated by the Better Business Bureau.
Despite some clients’ satisfaction with Alliance One Funding’s services, some have complained. Negative reviews do not necessarily indicate a scam, but potential clients should be cautious. Before making any decisions, it is essential to verify the accreditations, terms and conditions, and independent financial advice of the company.
When researching financial institutions, you can read customer reviews and experiences online to get a better understanding of what to expect.
Alliance One Funding reviews
No reviews of Alliance One Funding can be found on the Better Business Bureau. A company without a BBB file does not necessarily imply that it is a scam, but it raises questions about its reliability and customer service.
Alliance One Funding has received 12 reviews, with an average rating of 3.5 stars on Trustpilot. The positive reviews are questioned by some, who point out similar writing styles and the absence of previous reviews from the accounts as evidence of skepticism. Communication problems, discrepancies in credit reports, and negative credit effects were reported as negative experiences by the reviewer. Several positive reviews have been written about Alliance One Funding’s professionalism, cooperation, and helpfulness when it comes to providing loans and debt relief.
Below are some examples of customer reviews:


What is Alliance One Funding?
Alliance One Funding provides debt relief solutions to individuals as well as businesses. They offer credit card debt consolidation programs, personal loans for debt consolidation, financial consultation services, and a simple enrollment process that results in a finalized payment plan. It is stated that finance managers at this company’s primary goal is to help clients achieve financial freedom in addition to reducing debt, improving credit, and achieving financial freedom. Additionally, the company claims that they work with a team of debt specialists who customize a repayment plan based on the clients’ financial situation.
The accreditation of a financial company is one of many factors to consider before choosing one. You can check for accreditation on the Better Business Bureau (BBB). Alliance One Funding does not have a BBB file or accreditation. They do, however, have a 4.4-star Trustpilot rating.
Located at 101 S. Reid St., Suite 307 in Sioux Falls, SD, Alliance One Funding can be reached at (877) 373-0474.
How does Alliance One Funding work?
As stated on its website, Alliance One specializes in providing high-interest debt relief to individuals. The process begins with a free consultation where a professional evaluates the client’s financial situation and discusses appropriate options. Debt consolidation and debt settlement programs are common solutions. If the client decides to proceed with the recommended debt relief program, Alliance One Funding negotiates with creditors on their behalf, aiming to reduce the total amount owed or consolidate multiple debts into a single monthly payment. The client’s credit score may also be negatively affected by these programs, even though they may relieve financial strain.
How to qualify for Alliance One Funding
Alliance One Funding carefully reviews your financial situation when approving your loan. The originating lender will decide whether or not to approve your loan once they have all the information. Alliance One Funding is not the creditor for any accounts. Your credit history and score will be reviewed, your expenses will be checked, and your income will be verified.
Alliance One Funding FAQs

If a loan is approved, how long will it take?
Your creditworthiness and state law will determine your loan terms and conditions based on how many additional documents you provide.
What is the cost of Alliance One Funding?
Alliance One Funding’s website does not specify how they generate revenue. No upfront fees or prepayment penalties are mentioned, and referral fees are not explicitly mentioned.
What is the impact of Alliance One Funding on your credit score?
Even though a good or bad credit score can make a big difference in whether you qualify for a loan, talking to a lender and doing initial credit checks will not affect your score. You will have to submit your credit history to a lender in order for your score to be lowered as part of the loan process.
Is it possible to cancel my loan with Alliance One Funding?
Make sure you need the funds and are comfortable with the terms and conditions before accepting the loan. Once you receive the funds, you cannot cancel or reverse the loan.
We have some suggestions that may help you get back on track if you are having trouble making ends meet.
- The key to making sure you spend only what you can afford when it comes to your finances is budgeting.
- You should consult a financial advisor to determine what options are available to you.
- If you’re in debt, contact your company’s customer service team. They may be able to help you set up a more manageable payment plan.
Comment below if you have any positive or negative experiences with Alliance One Funding.