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Not all customers will be pre-approved for the lowest APR, the highest loan amount or all repayment periods. The repayment periods are 12, 24 or 36 months. If you are approved for and accept an American Express Personal Loan, we will report the loan information to credit bureaus, which may have an impact on your 

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Advantages. We provide a simple personal loan application process with no hidden fees, no prepayment penalties, and no origination fees to set up your loan. Term loans up to. $35K. Origination Fees. $0. Rates starting at. 7.49% APR. Types of Loans