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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 $40,000* available to eligible Card Members. That's the power of an American Express® Personal Loan,2 ranked #1 in customer satisfaction by J.D Power.3 

  • No origination fee and no prepayment penalty
  • Fixed interest rates
  • No credit score impact to apply4
  • 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.

JD Power Award Trophy

Loans designed for – and backed by – customers like you.

 

#1 in Customer Satisfaction with Personal Loans3

Get a decision in seconds.

 

Apply for an American Express Personal Loan with no impact to your credit to apply.4

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 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.