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Personal Loans can be used for personal, family or household purposes, such as to consolidate existing credit card debt or for major purchases, home renovations or significant life events.At this time, only pre-approved Card Members may apply for a Personal Loan.We want to make it easier by eliminating your financial worries with an Education Line of Credit.
As a result, the pre-approved offer you receive may be different from an earlier offer you received due to changes in your creditworthiness or other eligibility factors since the time of the earlier offer.
You must also have an American Express online account and valid email address.
Most borrowers will receive a decision within minutes.
No, your credit score will not be impacted when you apply for a Personal Loan.
However, if you are approved for and agree to the terms of the loan, we may provide information about your loan to credit reporting agencies. If you apply for a Personal Loan, you can choose the credit card payment option or the direct deposit option.