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.
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
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.*
How much do you need?
Loan Amount
Insert loan amount from
$3,500 to $50,000
Choose an APR
Your 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.
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.