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Return of the AXP Personal Loans


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I thought we had a topic where this had made an appearance, but my  searchfu isn't working right now.

 

Seems they wised up and realized that many of us who are amused by their offers and the insanely high 6.98 to 8.98% APR have no interest in those rates.  Upon logging in earlier, I see that they have come down to 4.98%.  Still a stupid rate but they are more apt to see some takers who can potentially do better than that in the markets and still pay the note off on a few years (three year cap).  They still have the option listed to just have funds directly deposited into a checking account, which means they DO still recognize that a lot of their holders may not be the ones who constantly revolve balances...

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Well, 4.98% certainly rates as much more competitive.  I wouldn't have touched their loans formerly, but with my best 3-year unsecured funds rate now 3.98% I'd say they at least have brought themselves into competitive turf ... assuming Amex was offering me 4.98%.  Unfortunately w/ FICO 8s of 842-850 (806 VS), they're extending 6.98% to me (7.98% to Bev).

 

 

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