American Express®

Personal Loans

Live your life to the fullest with a Personal Loan from the name you already trust.

Don't Life Life Without It

Unsecured loans offered between $3,500 and $50,000

Fixed personalized APRs


12, 24 or 36 Fixed Monthly Installments1

Life can be expensive. Which is why American Express® Personal Loans are a lending solution designed to help you take control of your finances and better manage your expenses. From debt consolidation to home improvement, we’ve got you covered.


Not sure if an American Express® Personal Loan is right for you? Check out our Personal Loan Calculator to see what your estimated monthly payments could look like.



How an American Express Personal Loan Works


American Express Personal Loans are available to pre-approved2 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 loan payment option for you

Step 2

Review and agree to the Terms & Conditions

Step 3

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

Step 4

Complete security verification

What Can Personal Loans Be Used For?


For Consolidating Debt


If you're paying high interest rates on multiple credit cards, a vehicle loan, or other types of debt, Personal Loans can help you streamline your payments into one monthly bill and possibly lower your interest rate.

For Home Renovations


Sometimes the unexpected happens. Whether you need to upgrade a broken appliance, fix your roof, or replace an A/C unit, a Personal Loan could be a good solution.


For Car Expenses


Car expenses can add up quickly. Whether you’re purchasing a new vehicle, in the market for new winter tires or finally addressing that “check engine light” that’s been on. A Personal Loan may be the way to go if you’re short on cash.


For Your Travels


If you dream of traveling, Personal Loans can help you fund your next great adventure. Be spontaneous and see the world knowing that American Express can help turn your travel dreams into a reality.


For Your Education


Whether you need money for classes, or just extra cash to cover books, a new laptop, housing costs, or other school expenses, feel more confident about investing in your education with American Express.


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 impact to your credit score when you apply3


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

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.


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 $50,000

2Choose an APR

9.99% 10.99% 11.99% 12.99% 13.99% 14.99% 15.99% 16.99%

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
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.

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

Discover other American Express® Lending Options

Looking for more ways to fund? American Express offers a variety of different lending solutions designed to help you take control of your finances. Learn More.

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


2 The pre-approved offer is extended to you based on the credit, financial and personal information we have about you at the time the offer is made, as well as your estimated income based on all such information. Your application will be subject to income and identity confirmation, and 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. This offer is not transferable and is void if another American Express Personal Loan has been approved and accepted by you. We may have evaluated this offer using an automated system. Offer may be changed at any time. American Express Personal Loans are currently not available in Quebec and Nova Scotia.


3 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.