1. American Express Personal Loans can be used to consolidate credit cards only at eligible U.S. banks (American Express Cards are excluded).
2. You must be an eligible Card Member in order to apply. Your offer is based on your creditworthiness and other eligibility factors at the time you receive the offer. Offer availability is subject to change. Not all customers will be eligible for the lowest APR, the highest loan amount, or the same repayment period options. The APRs may change based on the selected repayment period. You may be eligible to have the loan funds sent to a checking account, to external credit card bank(s) to pay down balance(s), or both. American Express Personal Loans can be used to consolidate credit cards only at eligible U.S. banks (American Express Cards excluded). The option(s) available to you will be presented on the application page. You must submit an application to apply for a loan.
3. If you are approved for and accept an American Express Personal Loan, we will report the loan information to credit bureaus, which may have an impact on your credit score.
To learn more, see Terms and Conditions.