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Actually, they're some of the lowest around - interest is calculated daily and our fixed rates start from just 8.4% APR (8.7% APR typical). So once you include our 1% APR discount offer, it's a very competitive rate indeed.

Absolutely not. The American Express Personal Loan has no charges or redemption penalties should you choose to repay the loan early. It's easy to manage and flexible to your needs: you can borrow any amount from £2,000 to £25,000 and you can choose any repayment period, from 2-5 years. Once your loan is approved, the funds will be transferred to your bank account within three working days of our receipt of your signed loan agreement.

Not at all - in fact, it couldn't be easier. You can complete the online application form at www.americanexpress.co.uk/loans, which takes around 10 minutes, or call free on 0808 100 2265 quoting reference LEMO1 (Monday to Friday 8am-8pm, Saturday 9am-5pm). We'll then provide details of your individual loan rate, including your special 1% APR discount and monthly repayments. What could be easier than that?

Apply online now and get a decision next working day at
www.americanexpress.co.uk/loans
or call free 0808 100 2265 for a decision in minutes quoting reference LEMO1.
(Monday to Friday 8am-8pm, Saturday 9am-5pm)

All loans subject to status. You must be a UK resident aged 18 or over. You are required to have a minimum income of £12,000 per annum. A typical example at 8.7% APR: a loan of £10,000 repayable by 60 monthly repayments of £230.06. The total amount repayable would be £14,163.60. Figures quoted include optional repayment protection. Rates correct as at 22.07.02. Written quotations are available on request. Telephone calls are usually recorded for quality and training purposes. American Express Bank Ltd., 60 Buckingham Palace Road, London, SW1W 0RR. (No. FC1863, BR301). Incorporated with Limited Liability in the State of Connecticut, USA and registered with the Secretary of State, Hartford, Connecticut, USA with its Head Office in New York, USA. American Express Bank Ltd. is regulated by the FSA and represents only the American Express group in the marketing of personal financial services including regulated fund products.

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