Product from American Express®

Personal Loan from American Express® - see full info about rates, terms, credit score.

Updated August 04, 2022
Advertiser Disclosure
4.4 out of 5
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Check your personal loan rates

scorer
APR Range
5.99 - 19.97%
scorer
Amount
up to $40,000
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Term
up to 36 months
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Minimum credit score:
Fair (580-669)
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No early payoff penalty
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No origination fee
See full info about rates in different states

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Options

  • Loan purpose:
    Personal Loan
  • Bank:
    American Express®
  • Credit Level:
    Fair (580-669)
  • When funds are available:
    1-2 business days.

Fees

  • Origination fee
    No origination fee.
  • Early payment fee
    No early payment fees.
  • Late fee
    $39

Pros & Cons

Pros:
  • No origination fee and no prepayment penalty
  • Fixed interest rates
  • Quick application
Cons:
  • No autopay discount

Rates

Rates
5.99 - 19.97%
Term
12 - 36 months
Loan Amount
$3,500 - $40,000
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees

Requirements

  • Ages

    You must be 18 years or older and a U.S. citizen or resident of the U.S. or its territories to be eligible for American Express personal loans.

  • Requirements Description
    • Personal information (Name, Address, Phone Number, Date of Birth, Social Security Number)
    • Income (Income Type, Pay Method, Pay Frequency, Monthly Income)
    • Banking Details (Account Type, Account & Routing Numbers, Age of Account)

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Recommended credit score
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  • 8.99 - 29.99 %
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LendingClub
LendingClub
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3.73 out of 5
Recommended credit score
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Poor (300-579)
  • 8.3 - 36 %
    APR
  • 3 - 5 years
    Loan Term
  • $1,000 - $40,000
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SoFi
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5 out of 5
Recommended credit score
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Good (670-739)
  • 7.99 - 23.43 %
    APR
  • 2 - 7 years
    Loan Term
  • $5,000 - $100,000
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Description

  • American Express offers unsecured personal loans that borrowers can use for a variety of purposes (from consolidating credit card debt to home improvement).

    American Express offers loans up to $40,000, with terms of 12 - 36 months.

    You must be an American Express card member to apply for a personal loan.

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