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INTRODUCING

AMERICAN EXPRESS®

PERSONAL LOANS

Live your life to the fullest with a little help from the name you already trust.

Don't Life Life Without It

Unsecured loans offered between $3,500 and $25,000

Fixed personalized APRs for you

 

12, 24 or 36 Fixed Monthly Installments1

Two friends dine at a soup street vendor at night

Simple. Hassle-free.

 

  • Apply online from the comfort of your home.
  • Receive funds within 1-3 business days
  • Fixed monthly payments1 for easy budgeting and peace of mind.

No stress. No hidden fees.

 

  • No collateral required
  • Your credit score will not be impacted by applying2
  • No hidden fees, no set-up and no early repayment fees
Father and son in a yard sitting on soccer balls chatting.

  

Personal Loan Calculator

 

Take a moment to calculate your estimated monthly payment.*

1How much do you need?

Loan Amount

 

Insert loan amount from

$3,500 to $25,000

2Choose an APR

5.99% 6.99% 7.99% 8.99% 9.99% 10.99% 11.99% 12.99%

3Your estimated monthly payments

So that you select the best loan option for your needs, here’s an overview of estimated monthly payments based on a 12, 24 and 36 month term.

Monthly payments 12
months
24
months
36
months
       
Estimated monthly payments
(includes interest):

a month

a month

a month
Total interest paid over the full term:      

Estimated monthly payments (includes interest):


a month

Total interest paid over the full term:

Estimated monthly payments (includes interest):


a month

Total interest paid over the full term:

Estimated monthly payments (includes interest):


a month

Total interest paid over the full term:

*The above chart is provided for illustrative purposes only and represents an approximation of the monthly payment amount and total interest payable for three different loan terms. This assumes all payments are made on time and there is no prepayment of the loan. Actual obligations will vary depending on the rate applicable to you as well as the timing of your payments. If you are invited to apply and a solicitation is sent to you, the actual applicable rate of interest will be disclosed at that time.


  

How it works

 

American Express Personal Loans are available to pre-approved3 Cardmembers only. If you're a Cardmember, you may be invited to apply in the future, so please stay tuned.

Step 1

Tell us more about you and your loan needs, including the best monthly payment option for you

Step 2

Review and agree to the Terms & Conditions

Step 3

Provide your bank details to get the funds deposited directly into your bank account

Step 4

Complete security verification

What are the advantages of an American Express Personal Loan?

 

Quick access to funds

Funds are deposited into the bank account of your choice within 1-3 business days.

Competitive APRs

Personal loans offer personalized APRs and the rate is fixed for the life of the loan.

No collateral required

American Express Personal Loans are unsecured, so there’s no collateral or security required, unlike a home and car loan.

Enhanced financial control

Predictable fixed monthly payments make it easier to plan your budget.

No impact to your credit score when you apply2

Because you are a trusted Cardmember, we already know you so there is no need to check your credit score when you apply. 

Looking for more information on American Express Personal Loans? See the FAQs.

¹ If you pay on time, all monthly payments are fixed, except the last month’s payment.

 

² Your credit score will not be impacted when you apply for this loan. However, if you are approved and agree to the terms of the loan, we will provide information about your loan to credit reporting agencies. This may impact your credit score, just as any credit product would.

 

³ American Express reserves the right to withdraw this offer or decline your application if: (i) one or more of your accounts with us are not in good standing; (ii) bankruptcy or similar proceedings have been initiated; or (iii) your debt to income level (based on the income you provided in your application and the debts reported to us) is too high to support the loan amount requested. The pre-approved offer is extended to you based on the credit, financial and personal information we have on you at the time you received this offer. This offer is not transferable and is void if another American Express Personal Loan has been approved and accepted by you. Offer may be changed at any time.