Get the funds you need with
American Express® Personal Loans
#1 in Customer Satisfaction by J.D. Power.1 From consolidating debt* to home improvement, apply online for an American Express® Personal Loan, from $3,500 to $40,000, available to eligible Card Members.2
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.
Loans designed for, and backed by, customers like you.
#1 in Customer Satisfaction with Personal Loans1
See for yourself how an
American Express® Personal Loan
can turn “someday” into today.
Get an American Express® Personal Loan in three simple steps:
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.
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.
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.
How can you use an
American Express® Personal Loan?
Pay off debt faster
Consolidate higher-interest credit card and other debts3, 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
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
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
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.
Frequently asked questions
American Express Personal Loans are available to eligible Card Members. You can only apply if you receive an offer to apply and continue to meet the eligibility requirements. You must be 18 years or older, a U.S. citizen or resident of the U.S. or its territories, and have an active American Express Consumer Card.
Personal Loans may not be used for post-secondary education expenses, real estate, business, securities, vehicle purchases (other than as down payment for a vehicle), to pay down balances on American Express-issued Cards or any purpose prohibited by law or not otherwise permitted by the Terms and Conditions or your Personal Loan agreement.
Funds will be deposited directly into your bank account on file. If you don’t have an existing bank account on file with us, you’ll be prompted to add the routing and account numbers of your bank account. If we are unable to verify your bank account for any reason, we will not be able to send any loan funds to you and your Personal Loan agreement will be void and unenforceable.
We will typically send your loan funds to your bank account on file within 3-5 business days after you’ve signed your Personal Loan agreement. It’s important to know that your bank may take additional time to post your loan funds to your account(s). If any loan funds do not post to your bank within two weeks, please contact us or your bank.
Personal Loans are payable in fixed monthly installments. The amount of your monthly payment will depend on the amount you borrow, the repayment period you select, and the total interest charged on your Personal Loan (based on the interest rate that applies).
On your application, you can choose your repayment period from the options shown. Keep in mind that a longer repayment period may result in a lower monthly payment, but more total interest than if you choose a shorter repayment period for the same loan amount.
Disclosures:
1For J.D. Power 2023 award information, visit jdpower.com/awards.
2You 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.
3American 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.