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 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 customers 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. 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. You must submit an application to apply for a loan.
3. Tied in 2021. For JD power 2021 award information visit jdpower.com/awards.
4. 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.