American Express Personal Loans

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.