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Live your life to the fullest with the help of an American Express® Personal Loan.

Live your life to the fullest with the help of an American Express® Personal Loan.

Loans between $3,500 and $40,000* with no origination fee or pre-payment penalty

Fixed interest rates with APRs as low as 6.98%*

No credit score impact to apply**

Quick application and a decision in seconds

American Express Personal Loans are available to pre‐approved Card Members only, based on at least 9 months of account history, creditworthiness and other factors. Find out today if you are pre‐approved. To learn more, see Terms and Conditions.

Repayment Example

A representative example of the cost of an American Express Personal Loan is: For a $10,000 loan repaid over 36 months at 7.98% APR, the monthly payment amount would be $313.32, the total interest would be $1,279, and the total cost would be $11,279 (original loan amount plus interest). Actual rates, interest and costs may vary.Your pre-approved offer is based on your creditworthiness and other eligibility factors at the time you receive the offer. Offer availability is subject to change. The pre-approved APR assumes you are borrowing your full pre-approved loan amount with a 36-month repayment period. If you are offered a longer repayment period when you apply, your pre-approved APR for such repayment period will be higher. Not all customers will be pre-approved for the same repayment period options. You must submit an application to apply for a loan. Click on the button above to be redirected to your account login page to apply. Approval is subject to there being no material changes to your financial condition or creditworthiness, fraud review and other eligibility requirements. American Express Personal Loans can be used to consolidate credit cards only at eligible U.S. banks (American Express Cards are excluded).

Looking for a Business Loan?

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.

Enter a Loan Amount:Between $3,500 and $40,000
Select Estimated Credit Score:
Thank you for considering American Express Personal Loans. Individuals with poor credit may not meet the minimum requirements for American Express Personal Loans at this time, and are encouraged to improve their credit score and then check eligibility.
Estimated Monthly Payment:
12 Monthly Payments
24 Monthly Payments
36 Monthly Payments
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), 18.99% APR (Fair). 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 customers will be pre-approved for the lowest APR, the highest loan amount or all repayment periods. Your monthly payments will be based on your pre-approved APR, the loan amount and repayment period that you select when you apply. See American Express Personal Loans Terms and Conditions.

How It Works

Personal loans with your choice of repayment period.


Tell us the amount you need up to your pre-approved amount.


Select the monthly payment option that works for you.


If approved, review the terms of your loan.

You can also quickly and easily set up automatic payments on your loan, making those fixed monthly payments even simpler for you to manage.