Citi® Personal Loans
Borrow up to $50,000 unsecured with no origination fees. Rates start at 9.99% APR and up to 60 months repayment. Apply online in minutes.
Citi® Personal Loans stand out for their simple application and competitive rates. You can borrow up to $30,000—or as much as $50,000 if you are an existing Citi customer. With rates as low as 9.99% APR for well-qualified borrowers, there are also no origination, prepayment, or late fees. Repayment terms are flexible, ranging from 12 to 60 months, making it easy to customize your loan.
How to Apply for a Citi Personal Loan
- Check your rate online (no impact to your credit score for checking)
- Complete the loan application by providing your information
- Review your offer, term, and amount
- Sign electronically to finalize
- Receive funds—often the same day for Citi bank accounts
Key Advantages
The absence of origination or other fees greatly lowers your cost. Fast funding ensures quick access to approved funds, sometimes within one business day.
The application process is secure and straightforward, and the fixed interest rates give certainty to your monthly payments throughout your term.
Potential Drawbacks
The minimum loan amount of $2,000 may not suit those seeking smaller amounts. Not all applicants are eligible for the highest available loan amounts.
New Citi credit card customers under 12 months without a deposit account are not eligible. A hard credit check will occur upon full application submission.
Our Verdict
Citi® Personal Loans are a compelling choice for borrowers seeking predictable payments, fast funding, and no hidden costs. Flexible terms, no fees, and the potential for large loan amounts make this a top pick—especially for existing Citi customers. However, eligibility rules may limit access for some new customers, so be sure to review all criteria before applying.