No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Outstanding! Good work. It sounds like it was worth leaving the garden for such a good deal.
Wow that's crazy fast!
No HP but I assume they soft pull from EX? What are your scores like, number of inquiries, new accounts, etc?
I didn't even realize Amex offered loans, but they are a bank, so naturally it would make sense that they'd do loans, too.
I assumed they did SP. My EXP is 693, TU 716, EQ 714 Inq: Probably 20 on each in last 24 months. New Accounts: Too Many, Been rebuilding Util: 5%
@Anonymous wrote:Wow that's crazy fast!
No HP but I assume they soft pull from EX? What are your scores like, number of inquiries, new accounts, etc?
I didn't even realize Amex offered loans, but they are a bank, so naturally it would make sense that they'd do loans, too.
Congrats. Good rate. I'd be interested in seeing an offer but I guess they randomly select based on your profile. I'm at a 724EX and have several accounts with them... Maybe in time one will pop up.
I just did this too with Amex. Got a pre approval on my account site. Logged in filled out the form online. No hard pull, no POI and money was in the bank the next day with the stated apr they said on the pre approval. It was the easiest thing I have ever done. This was my first personal loan. I had some home improvement things I wanted to do and the finance charge was less than taking out a project loan.
Wow, that amazes me that Amex's credit card wing involves their personal loan wing, which I assume are totally different departments!
How long have you had your Amex account for? Was the offer literally on your account main page, or in a section off the main account page?
Amex told me to go to this site. https://www.americanexpress.com/us/personal-loans/ to check for pre approval. You can also try www.americanexpress.com/apl to see if you have an offer.
@Anonymous wrote:Wow, that amazes me that Amex's credit card wing involves their personal loan wing, which I assume are totally different departments!
How long have you had your Amex account for? Was the offer literally on your account main page, or in a section off the main account page?
I have had my account a little over a year. I posted recently how they offered me a apr drop, personal loan and a CLI all in one week on the credit card board.
When I called Amex to ask about the offer I saw on my account they told me to go to www.americanexpress.com/apl to see if I still had the offer.