Best Personal Loans from Citi of December 2024

We have found 1 personal loans from Citi. Compare offers and loan types to find the best one for you.

Citi
4.41
Updated December 11, 2024

See all Citi personal loans in December 2024

Showing 1 loans
Lender
APR
Term
Loan amount
Apply
Personal Loan
4.31
APR
6.99 - 23.99 %
with Autopay
Term
1 - 5years
Loan amount
$2,000 - $30,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    2 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Predictable monthly payments
    • Quick access to your funds
    • Simple application process
    • Autopay discount
  • Cons:
    • No option to pre-qualify
    • Must be an existing Citibank customer
    • No-cosigners

Citibank provides personal loans up to $30,000 with rates from 6.99% to 23.99%. Unlike other personal lenders, Citibank does not charge origination fees.

If you’re not a current Citibank customer, you won’t be eligible for a Citibank personal loan.

See Citi full product review
Learn more
See all personal loans
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
4.41 out of 5

Check Citi personal loan rates

scorer
APR Range
7.49 - 24.49%
scorer
Loans
up to $30,000
scorer
Terms
up to 60 months
scorer
Score required:
Good (670-739)
scorer
Loan purposes:
Personal Loan

Information about bank

  • Organisation:
    Citi
  • Website:
    www.online.citi.com
  • Headquarters:
    388 Greenwich Street
    New York, NY 10013 United States

Citi Personal loans Pros&Cons

Pros:
  • Autopay discount. If you set up autopay, you will get a 0.05% discount on your rate.
  • Earn ThankYou points. When you link your Citi checking account with your personal loan account, you will earn ThankYou points as you make payments.
  • No origination or prepayment fees. Citi doesn’t charge origination fees for personal loan applications like most lenders do. Furthermore, you can pay off the personal loan early without incurring any penalties.
Cons:
  • No-cosigners. Citi doesn’t allow co-signers on loans, meaning you can’t use someone else’s good or excellent credit to increase loan approval chances and/or negotiate better rates. You can take out a joint loan, but your co-applicant needs to be an eligible customer of the bank.
  • No prequalification. You can’t prequalify for a loan with Citi. This puts you at a disadvantage since you won’t know your rate beforehand and the bank will have to perform a hard credit check to determine it.
  • Late fee. Not making your payments on time attracts a $25 late fee.

Check loans from other lenders

LightStream
LightStream
Personal Loan
5 out of 5
Recommended credit score
bank name
Fair (580-669)
  • 5.99 - 21.49 %
    APR
  • 2 - 6 years
    Loan Term
  • $5,000 - $100,000
    Loan Amount
Check rates
On partner's site
Marcus by Goldman Sachs
Marcus by Goldman Sachs
Personal Loan
4.13 out of 5
Recommended credit score
bank name
Fair (580-669)
  • 6.99 - 24.99 %
    APR
  • 3 - 6 years
    Loan Term
  • $3,500 - $40,000
    Loan Amount
Check rates
On partner's site
Upstart
Upstart
Personal Loan
3.77 out of 5
Recommended credit score
bank name
Poor (300-579)
  • 5.6 - 35.99 %
    APR
  • 3 - 5 years
    Loan Term
  • $1,000 - $50,000
    Loan Amount
Check rates
On partner's site

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