Menu Search Help Log In American Express® Personal Loans From consolidating credit card debt1 to home improvement, get the funds you need with loans between $3,500 to $40,000* available to eligible Card Members. That's the power of an American Express® Personal Loan,2 ranked #1 in customer satisfaction by J.D Power.3 No origination fee and no prepayment penalty Fixed interest rates No credit score impact to apply4 Quick application and a decision in seconds 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. PERSONAL LOANS -Opening in new window Check for an offer Have questions? Visit our FAQs *Not all customers will be eligible for the lowest APR, the highest loan amount, or the same repayment period options.To learn more, see Terms and Conditions. 3 easy steps. 1. Check for an offer. Find out if you’re pre-approved by logging in to your American Express account. You’ll see how much you could borrow and your rate. 2. Quick application. Tell us how much you need up to your pre-approved amount, then select a monthly payment option and enter some information about yourself. You’ll get a decision in seconds. 3. Get funded. If you’re approved, we’ll disburse your funds after you review the terms and accept your loan. Then put your funds to work for you. -Opening in new window Check for an offer Loans designed for – and backed by – customers like you. #1 in Customer Satisfaction with Personal Loans3 Get a decision in seconds. Apply for an American Express Personal Loan with no impact to your credit to apply.4 -Opening in new window Check for an offer Disclosures 1. American Express Personal Loans can be used to consolidate credit cards only at eligible U.S. banks (American Express Cards are excluded). 2. You must be an eligible 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 customers 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. 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. You must submit an application to apply for a loan. 3. Tied in 2021. For JD power 2021 award information visit jdpower.com/awards. 4. 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. To learn more, see Terms and Conditions. PERSONAL LOANS FAQs -Opening in new window Check for an offer ABOUT About American Express Investor Relations Careers Global Network Contact Us Amex Mobile App PRODUCTS & SERVICES Credit Cards Business Credit Cards Corporate Programs Prepaid Cards Savings Accounts & CDs Gift Cards LINKS YOU MAY LIKE Membership Rewards Free Credit Score & Report CreditSecure® Bluebird Accept Amex Cards Refer A Friend ADDITIONAL INFORMATION Credit Intel – Financial Education Center Supplier Diversity Credit 101 Money Management 101 US Newcomers Frequently Asked Questions United StatesChange Country Terms of ServicePrivacy CenterAdChoicesSecurity CenterCard AgreementsServicemember BenefitsSite Map All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review. © 2021 American Express. All rights reserved