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Get the funds you need with
American Express® Personal Loans

 

From consolidating credit card debt* to home improvement, get the funds you need with loans from $3,500 to $40,000 available to eligible Card Members. Apply online and get a decision in seconds. That's the power of an American Express® Personal Loan.1

Check for an offer (opens new window)

Repayment Example: 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.
*American Express Personal Loans can be used to pay down or consolidate credit card balances on cards issued only by eligible U.S. banks;
they cannot be used to pay down or consolidate balances on American Express-issued cards. To learn more, see Terms and Conditions.

 

Why Choose American Express® Personal Loans?

 

Quick Application

Apply in a few simple steps and get a decision in seconds.

 

 

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.

 

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See for yourself how an

American Express® Personal Loan

can turn “someday” into today.

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

one

Check for an offer

 

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

one

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.

one

Get funded

 

If you're approved, we'll fund the loan after you review the terms and sign your Personal Loan Agreement. Funds will be deposited directly into your bank account, usually within 3-5 business days.

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How can you use an
American Express® Personal Loan? 

a

Pay off debt faster

Consolidate higher-interest credit card and other debts2, 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

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

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

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. 

 

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

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Frequently asked questions

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Disclosures:

 

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 you check for an offer. 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.

 

2American Express Personal Loans can be used to pay down or consolidate credit card balances on cards issued only by eligible U.S. banks; they cannot be used to pay down or consolidate balances on American Express-issued cards.

 

To learn more, see Terms and Conditions.

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