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.
See what your monthly payment could be based on a loan amount you enter and your estimated credit score.
With NextStep Loans, you have the service and reliability of American Express by your side, helping you turn your vision into reality.
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.
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.
If you're approved, you can review the terms of your loan. If you accept your loan, we will distribute your loan funds.