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browser. JavaScript must be enabled to experience the American Express website
and to log in to your account.
GET THE FUNDS YOU NEED WITH
AMERICAN EXPRESS® PERSONAL LOANS
From consolidating credit card debt* to home improvement, get the funds you need
with loans from $3,500 to $40,000 available to eligible Card Members. Apply
online and get a decision in seconds. That's the power of an American Express®
Personal Loan.1
Check for an offer (opens new window)
Repayment Example: An American Express Personal Loan of $10,000 repaid over 36
months at 7.98% APR will have a monthly payment
of $313.32 and the total cost will be $11,279. Actual rates, interest and costs
may vary.
*American Express Personal Loans can be used to pay down or consolidate credit
card balances on cards issued only by eligible U.S. banks;
they cannot be used to pay down or consolidate balances on American
Express-issued cards. To learn more, see Terms and Conditions.
WHY CHOOSE AMERICAN EXPRESS® PERSONAL LOANS?
instantinstant
QUICK APPLICATION
Apply in a few simple steps and get a decision in seconds.
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COMPETITIVE RATES
Fixed interest rates mean predictable payments.
showshow
NO HIDDEN FEES
There are no origination fees or pre-payment penalties.
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NO CREDIT SCORE IMPACT TO APPLY
Your credit score may be impacted if you are approved and accept the loan.
Check for an offer (opens new window)
SEE FOR YOURSELF HOW AN
AMERICAN EXPRESS® PERSONAL LOAN
CAN TURN “SOMEDAY” INTO TODAY.
GET AN AMERICAN EXPRESS® PERSONAL LOAN IN THREE SIMPLE STEPS:
CHECK FOR AN OFFER
Simply log in to your American Express online account to see if you are
pre-approved for a Personal Loans, how much you can borrow and what your rate
is.
GET A DECISION IN SECONDS WHEN YOU APPLY
Tell us the amount you’d like to borrow, select a monthly payment option, and
enter some info about yourself. You’ll get a decision in seconds.
GET FUNDED
If you're approved, we'll fund the loan after you review the terms and sign your
Personal Loan Agreement. Funds will be deposited directly into your bank
account, usually within 3-5 business days.
Check for an offer (opens new window)
HOW CAN YOU USE AN
AMERICAN EXPRESS® PERSONAL LOAN?
PAY OFF DEBT FASTER
Consolidate higher-interest credit card and other debts2, and pay the balance
off with a fixed interest rate and monthly payments. With no origination fees or
prepayment penalties, you can save your money for what matters.
MAKE HOME IMPROVEMENTS
Use your Personal Loan to improve your home, whether it's upgrading your kitchen
or building a home office. With fixed monthly payments and repayment options,
it's a great resource that can help ease your mind.
FUND BIG PURCHASES
Whether it’s a big screen TV, a new refrigerator, or a vacation to your dream
destination, an American Express® Personal Loan can help you get what you want,
when you want it.
COVER PERSONAL EXPENSES
Life is full of expenses like moving costs, welcoming a new baby, or unexpected
vet bills. An American Express® Personal Loan can help you handle your personal
expenses.
CHECK TO SEE IF YOU ARE PRE-APPROVED FOR AN
AMERICAN EXPRESS® PERSONAL LOAN.
Check for an offer (opens new window)
FREQUENTLY ASKED QUESTIONS
Am I eligible to apply for a Personal Loan?
American Express Personal Loans are available to eligible Card Members. You can
only apply if you receive an offer to apply and continue to meet the eligibility
requirements. You must be 18 years or older, a U.S. citizen or resident of the
U.S. or its territories, and have an active American Express Consumer Card.
Is there anything I can’t use my loan for?
Personal Loans may not be used for post-secondary education expenses, real
estate, business, securities, vehicle purchases (other than as down payment for
a vehicle), to pay down balances on American Express-issued Cards or any purpose
prohibited by law or not otherwise permitted by the Terms and Conditions or your
Personal Loan agreement.
How will I receive my Personal Loan funds?
Funds will be deposited directly into your bank account on file. If you don’t
have an existing bank account on file with us, you’ll be prompted to add the
routing and account numbers of your bank account. If we are unable to verify
your bank account for any reason, we will not be able to send any loan funds to
you and your Personal Loan agreement will be void and unenforceable.
How quickly will I receive my loan funds?
We will typically send your loan funds to your bank account on file within 3-5
business days after you’ve signed your Personal Loan agreement. It’s important
to know that your bank may take additional time to post your loan funds to your
account(s). If any loan funds do not post to your bank within two weeks, please
contact us or your bank.
How much do I have to pay each month?
Personal Loans are payable in fixed monthly installments. The amount of your
monthly payment will depend on the amount you borrow, the repayment period you
select, and the total interest charged on your Personal Loan (based on the
interest rate that applies).
How long will I have to pay off my Personal Loan?
On your application, you can choose your repayment period from the options
shown. Keep in mind that a longer repayment period may result in a lower monthly
payment, but more total interest than if you choose a shorter repayment period
for the same loan amount.
See All FAQs (opens new window)
Disclosures:
1You must be an eligible Basic Card Member to apply for a Personal Loan. Your
offer is based on your creditworthiness and other eligibility factors at the
time you check for an offer. Offer availability is subject to change. Not all
Card Members will be eligible for the lowest APR, the highest loan amount, or
the same repayment period options. The APR may change based on the selected
repayment period. You must submit an application to apply for a loan.
2American Express Personal Loans can be used to pay down or consolidate credit
card balances on cards issued only by eligible U.S. banks; they cannot be used
to pay down or consolidate balances on American Express-issued cards.
To learn more, see Terms and Conditions.
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--------------------------------------------------------------------------------
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