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American Express Personal Loan

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About American Express Personal Loans

The American Express Personal Loan from American Express is one of the top-rated Personal Loans options evaluated on MoneyCompared, earning an overall product score of 8.8/10. Streamlined fixed-rate personal loan for eligible American Express Card Members with zero origination fees and no hard credit pull to view your pre-approved rate.

Key highlights include 7.99% - 19.97% Fixed APR, a fee structure of $0 Origination Fee, $0 Prepayment Penalty, and Instant Pre-Approved Rate Inside Your Amex Online Account. Accounts are backed by Backed by American Express National Bank and supported by American Express's 4.9 / 5.0-rated digital banking experience.

Features

Annual Fee	$0 Origination Fee, $0 Prepayment Penalty
Regular APR / Rate	7.99% - 19.97% Fixed APR
Intro Offer / Welcome Bonus	Instant Pre-Approved Rate Inside Your Amex Online Account
Savings APY / AER	Loans from $3,500 to $40,000 over 12, 24, 36, or 48 Months
Minimum Deposit	$3,500 Minimum Loan Amount
Foreign Transaction Fee	N/A (U.S. USD Loan)
Deposit Insurance	Backed by American Express National Bank
Mobile App Rating	4.9 / 5.0
Overall Rating	8.8 / 10

About Product

Annual / Monthly Fee: $0 Origination Fee, $0 Prepayment Penalty
APR / APY Rate: 7.99% - 19.97% Fixed APR
Intro Offer / Bonus: Instant Pre-Approved Rate Inside Your Amex Online Account
Key Benefits: Loans from $3,500 to $40,000 over 12, 24, 36, or 48 Months
Minimum Requirement: $3,500 Minimum Loan Amount
Foreign Transaction Fee: N/A (U.S. USD Loan)
Protection: Backed by American Express National Bank

Pros

Rate / APR / APY: 7.99% - 19.97% Fixed APR
Fee Structure: $0 Origination Fee, $0 Prepayment Penalty
Welcome Offer / Benefit: Instant Pre-Approved Rate Inside Your Amex Online Account
Rewards & Highlights: Loans from $3,500 to $40,000 over 12, 24, 36, or 48 Months

Cons