American Express Personal Loans

Get the funds you need with American Express® Personal Loans

From consolidating credit debt* to home improvement, get the funds you need with loans starting at $3,500 available to eligible Card Members. Apply online and get a decision in seconds. That's the power of an American Express® Personal Loan.1
Repay a personal loan in terms of 12-60 months and with fixed rates ranging from 6.99% to 19.99% APR (rates as of 04-15-26).
Repayment Example: An American Express Personal Loan of $10,000 repaid over 36 months at 12.98% APR will have a monthly payment of $336.85 and the total cost will be $12,123. Actual rates, interest and costs may vary.
*American Express Personal Loans cannot be used to pay down or consolidate balances on American Express issued credit cards. To learn more, see Terms and Conditions.

Why Choose American Express® Personal Loans?

Quick Application & Funding

Apply and get a decision in seconds. Funds sent in as fast as 1 day after you accept the loan.2

Competitive Rates

Fixed interest rates mean predictable payments.

No Hidden Fees

There are no origination fees or pre-payment penalties.

No Credit Score Impact to Apply

Your credit score may be impacted if you are approved and accept the loan.

Get an American Express® Personal Loan in three simple steps:

  1. 1

    Check for an offer

    Simply log in to your American Express online account to see if you are pre-approved for a Personal Loan, how much you can borrow and what your rate is.

  2. 2

    Get a decision in seconds when you apply

    Tell us the amount you’d like to borrow, select a monthly payment option, and enter some info about yourself. You’ll get a decision in seconds.

  3. 3

    Funds sent in as fast as 1 day

    If you're approved, we'll send the loans funds, in as fast as 1 day, to your bank account after you accept the loan.2

How can you use an American Express® Personal Loan?

Pay off debt faster

Consolidate higher-interest credit card and other debts3, and pay the balance off with a fixed interest rate and monthly payments. With no origination fees or prepayment penalties, you can save your money for what matters.

Make home improvements

Use your Personal Loan to improve your home, whether it's upgrading your kitchen or building a home office. With fixed monthly payments and repayment options, it's a great resource that can help ease your mind.

Fund big purchases

Whether it’s a big screen TV, a new refrigerator, or a vacation to your dream destination, an American Express® Personal Loan can help you get what you want, when you want it.

Cover personal expenses

Life is full of expenses like moving costs, welcoming a new baby, or unexpected vet bills. An American Express® Personal Loan can help you handle your personal expenses.

WalletHub Award

Awarded Best Low-Interest Online Personal Loans by WalletHub4

Check to see if you are pre-approved for an
American Express® Personal Loan

Frequently Asked Questions

Have other questions? See our full list of FAQs.

Disclosures

Terms section 1

1You must be an eligible Basic Card Member to apply for a Personal Loan. Your offer is based on your creditworthiness and other eligibility factors at the time of your application. Offer availability is subject to change. Not all Card Members will be eligible for the lowest APR, the highest loan amount, or the same repayment period options. The APR may change based on the selected repayment period. You must submit an application to apply for a loan.

2Amex will send your loan funds to your bank account in as fast as 1 day after you've signed your Personal Loan agreement and completed all necessary verification steps. Please note that your bank may take additional time to post your loan funds to your account.

3Consolidating multiple credit card balances into a single monthly payment may not reduce or pay off your debt sooner in all cases. If the monthly payment on your American Express Personal Loan is lower than the combined minimum due on the cards you are consolidating, it may be due to a lower interest rate on your loan, a longer loan period, or a combination of both. American Express Personal Loans cannot be used to pay down or consolidate balances on American Express issued credit cards.

4American Express is a WalletHub advertiser.

To learn more, see Terms and Conditions.