American Express® Personal Loan is a personal loan from American Express. Application typically pulls a hard report from Experian. The ongoing APR is Fixed 6.99% to 19.99% APR (as of 07-19-26). Approval typically requires a credit score of 760-780 or higher. Loan terms: Fixed rate, 12 to 60 month terms. Application rules: Recon: (800) 567-1083. EXPERT REFERENCE (Dec 2025): Approved for a $45,000 personal loan with no documentation required and no hard credit pull. | EXPERT REFERENCE (Dec 2025): Loan funded within 2 hours of application. | EXPERT REFERENCE (Dec 2025): Applicant had a credit score in the high-800s, sometimes reaching 850. | EXPERT REFERENCE (Dec 2025): Applicant had been with Amex for approximately 12 years. | EXPERT REFERENCE (Dec 2025): Applicant maintained multiple Amex cards with around $10K limits each. | EXPERT REFERENCE (Dec 2025): Applicant kept total utilization under 1% and had no revolving credit card debt for ~5 years. | EXPERT REFERENCE (Dec 2025): Applicant's income was around $130K.