Product from Citi

Personal Loan from Citi - see full info about rates, terms, credit score.

Updated August 01, 2022
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4.31 out of 5
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Check your personal loan rates

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APR Range
6.99 - 23.99%
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Amount
up to $30,000
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Term
up to 60 months
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Minimum credit score:
Good (670-739)
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No early payoff penalty
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No origination fee
See full info about rates in different states

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Options

  • Loan purpose:
    Personal Loan
  • Bank:
    Citi
  • Credit Level:
    Good (670-739)
  • When funds are available:
    2 business days.

Fees

  • Origination fee
    No origination fee.
  • Early payment fee
    No early payment fees.
  • Late fee
    $25
  • Returned check fees
    $25

Pros & Cons

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

Rates

Rates
6.99 - 23.99%
Term
12 - 60 months
Loan Amount
$2,000 - $30,000
Autopay
0.5%*
* In case of using Autopay service your rate is reduced by 0.5%
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.
View all Rates & Fees

Requirements

  • Requirements Description
    • Yearly income of at least $10,500. Also you are required to satisfy Citi’s creditworthiness criteria.
    • Eligible Citi deposit account open for at least twelve months.
    • You may have one other Citibank Personal Loan open at time of application, as long as it has been open for at least 6 months.

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Description

  • 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.

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