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American Express® Personal Loans

From consolidating credit card debt1 to home improvement, get the funds you need with loans between  $3,500 to $25,000* available to eligible Card Members. That's the power of an American Express® Personal Loan.2

  •  No origination fee and no prepayment penalty
  • Fixed interest rates
  • No credit score impact to apply3
  • Quick application and a decision in seconds

An American Express Personal Loan of $10,000 repaid over 36 months at 7.98% APR will have a monthly payment of $313.32 and the total cost will be $11,279. Actual rates, interest and costs may vary. 

*Not all customers will be eligible for the lowest APR, the highest loan amount, or the same repayment period options.To learn more, see Terms and Conditions.


3 easy steps.

1. Check for an offer.

 

Find out if you’re pre-approved by logging in to your American Express account. You’ll see how much you could borrow and your rate.

2. Quick application.

 

Tell us how much you need up to your pre-approved amount, then select a monthly payment option and enter some information about yourself. You’ll get a decision in seconds.

3. Get funded.

 

If you’re approved, we’ll disburse your funds after you review the terms and accept your loan. Then put your funds to work for you.

Get a decision in seconds.

 

Apply for an American Express Personal Loan with no impact to your credit to apply.3

Disclosures

 

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) be 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.