Also known as: Amex Personal Loan
American Express offers personal loans exclusively to pre-approved American Express credit card holders. These are not open to the general public. If you have an existing American Express credit card account in good standing, you may receive a pre-approval offer to borrow a fixed amount through a personal loan at a fixed interest rate.
The American Express personal loan is a straightforward fixed-rate, fixed-term installment loan. There are no origination fees, no prepayment penalties, and no fees to apply. The loan amount, rate, and term are offered based on your existing relationship with American Express and your creditworthiness, so the terms you see are specific to your pre-approved offer.
Because these loans are pre-approved offers extended to existing cardholders, the application process is relatively simple for eligible customers. Funds are deposited directly to a bank account you designate.
The loan is separate from your American Express card account and does not affect your card's credit limit. You repay the loan through fixed monthly payments over the chosen term.
American Express personal loans are best suited to existing Amex cardholders who have received a pre-approval offer and need a lump sum at a fixed rate. If you are not a current Amex cardholder, this product is not available to you. In that case, compare personal loan offers from banks, credit unions, and online lenders to find the best available terms for your credit profile and needs.
Before accepting any personal loan offer, review the full APR, total repayment amount, and monthly payment to make sure it fits your budget. American Express National Bank is FDIC-insured.
Quick info
Personal Loans
Amex Personal Loan
American Express Company
FDIC-insured. Division of American Express National Bank.
2026-06-06
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Personal loans for existing Amex cardholders
Additional notes
Available to existing American Express cardholders only. Not available to non-cardholders.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
Source URLs
Date checked
2026-06-06
How do I make a complaint about American Express Personal Loans?
Start with American Express Personal Loans's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is American Express Personal Loans regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find American Express Personal Loans's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think American Express Personal Loans has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a American Express Personal Loans issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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