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Great things happen in steps.

With NextStep Loans, you have the service and reliability of American Express by your side.

Loans between $3,500 and $25,000* with no origination fee or pre-payment penalty


Fixed interest rates with APRs as low as 6.90%*


No credit score impact to apply*


Simple application and a decision in a few minutes

NextStep Loans are available to pre-approved American Express Card Members only. Find out today if you are pre-approved. To learn more, see NextStep Loans Terms and Conditions.

*You must be pre-approved for a loan offer in order to apply. Your pre-approved APR and loan amount are based on your credit worthiness and other factors. Pre-approved APRs will be between 6.90% and 19.97%. Not all customers will be pre-approved for the lowest APR or the highest loan amount. If you are approved for and accept a NextStep Loan, we will report the loan information to credit bureaus, which may have an impact on your credit score.

Estimate a monthly payment with our loan calculator:

See what your monthly payment could be based on a loan amount you enter and your estimated credit score.

1
Choose Loan Amount:Between $3,500 - $25,000
$
2
Select Estimated Credit Score:
Individuals with poor credit may not meet the minimum requirements for NextStep Loans at this time. Click “Check Your Rate” and login to your American Express online account to see if you have been pre-approved for a NextStep Loan in order to apply.
Estimated Monthly Payment of:
12 Monthly Payments
0
24 Monthly Payments
0
36 Monthly Payments
0
Check your Rate
Monthly payment amounts displayed above are estimates and assume an APR based on the lowest FICO score within the range selected, as follows: 6.99% APR (Excellent), 8.99% APR (Very Good), 11.99% APR (Good), 14.99% APR (Average), 19.99% APR (Poor). Your pre-approved APR and loan amount will be determined by your creditworthiness and other factors at time of pre-approval, and will not be based solely on your FICO score. Not all Card Members will be pre-approved for the lowest available APR or the highest loan amount. Your monthly payments will be based on your pre-approved APR, the loan amount and repayment period that you select when you apply. See NextStep Loans Terms and Conditions.

How It Works

Fixed interest rate loans with your choice of repayment period.

With NextStep Loans, you have the service and reliability of American Express by your side, helping you turn your vision into reality.

1

Tell us where you want us to send your loan funds and the amount you need up to your pre-approved amount.

Log in to your American Express account to see if you've been pre-approved for a loan amount and APR. Then apply for your loan at your pre-approved rate.

2

Select the monthly payment option that works for you.

To apply, tell us how much you want to borrow and choose one of three repayment periods that best meets your needs. Then see what your monthly payment could be.

3

If approved, review the terms of your loan. If you accept, we’ll distribute your loan funds.

If you're approved, you can review the terms of your loan. If you accept your loan, we will distribute your loan funds.

Small steps and big steps all start with a next step.