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.1
1Your 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).
See what your monthly payment could be based on a loan amount you enter and your estimated credit score.
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.