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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 $25,000* 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

Looking for a Business Loan?
American Express Personal Loans are available to pre-approved Card Members only. Find out today if you are pre-approved. To learn more, see 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 creditworthiness and other factors. Pre-approved APRs will be between 6.90% and 19.97%, as of 10/4/2017. Not all customers will be pre-approved for the lowest APR, the highest loan amount or all repayment periods. The repayment periods are 12, 24 or 36 months. 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. A representative example of the cost of an American Express Personal Loan is: For a $10,000 loan repaid over 36 months at an 8.98% APR, the monthly payment amount would be $317.90, the total interest would be $1,445, and the total cost would be $11,445 (original loan amount plus interest). Actual rates, interest and costs may vary.

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
Enter a Loan Amount:Between $3,500 and $25,000
$
2
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
0
24 Monthly Payments
0
36 Monthly Payments
0
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.

1

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

2

Select the monthly payment option that works for you.

3

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.