American Express® Borrowing Options

Discover a borrowing solution that fits your financial needs, whatever they may be.

Borrowing Options


American Express offers a variety of different borrowing solutions designed to help you take control of your finances. The best part? Certain borrowing features are built directly into your Card, so you can begin exploring the borrowing option that is appropriate for you.


We also want to help you get a sense of your financial picture and how these borrowing options can help you better manage expenses. Our education center provides you with relevant articles to help maximize your knowledge.

Personal loans


American Express® Personal Loans

Loan Amounts: $3,500 – $50,000

Loan Terms: 12, 24, or 36 months


An American Express Personal Loan can help you manage your expenses. From consolidating your debts to home improvement, we’ll help you get the funds you need. Available to pre-approved¹ Cardmembers only. 


Quick access to funds in 1-3 business days

Competitive APRs

No credit score impact to apply²

Plan it


Plan It® Installment Program


Split up large purchases into manageable monthly installments with no additional interest and a fixed fee1 with Plan It – American Express® Installment Program.


Plan It is a feature on your American Express Card that allows you to pay for your purchases over time through equal monthly installments. Find flexibility and control on a timeline that works with your budget needs. Terms and conditions apply. 2


No additional credit checks or application

No additional interest and a fixed monthly fee

Earn rewards as usual

Credit line increase


Credit Limit Increase


You can request an increase to the credit limit on your American Express Credit Card at any time by logging into your Online Services account. Your credit limit can be changed immediately upon approval and ready for use within 15 minutes. 


Boost purchasing power

Move spending from other credit cards to American Express

Have flexibility for unexpected purchases

Credit line increase


Flexible Payment Option


The American Express® Flexible Payment Option is available
on select American Express Charge Card products, which allows you to enjoy all the benefits and features of your card without a pre-set spending limit, but provides you with the flexibility to pay a portion of your balance over time.


Enjoy a flexible spending capacity

Pay a portion of your balance over time

Continue earning rewards

Check out the Borrowing Centre


You may be eligible for more borrowing options and offers in the future. Simply log in to your American Express Online Services account and check out the Borrowing Centre to view these offers.

Boost your knowledge


Not sure where to start? Life With Amex offers a range of helpful articles on optimizing your personal finances, including basic credit card tips.

Personal Loans vs. Lines of Credit Explained


How to Use Credit Cards to Build Credit in Canada

To explore all available Life With Amex articles, visit here.