Citibank Personal Credit: The Full Guide to Personal Loans
Citibank Personal Credit provides unsecured, fixed-rate loans from $2,000 to $30,000 with 12–60 month terms, zero origination fees, and discounts for automatic payments to lower your APR.
Citibank Personal Loans include features that simplify borrowing and help reduce overall costs.
- Zero fees
There are no origination fees, no prepayment penalties, and no hidden charges.
- Competitive starting APR
Rates can be as low as 9.99% APR for qualified applicants who enroll in automatic payments.
- Fast funding
Approved applicants with a Citi deposit account may receive funds the same business day, and external accounts are usually funded within two business days.
- Flexible uses
Funds can be used for debt consolidation, home improvement, emergency expenses, or many other personal needs.
- Soft prequalification
You can check your rate with a soft credit inquiry that does not impact your credit score.
Pros
- Transparent costs
No fees of any kind simplifies the math and avoids surprises.
- Competitive pricing for quality credit
Lower APRs are available for borrowers with strong credit and for those who opt into automatic payments.
- Fast and reliable funding
Same-day funding is possible for Citi deposit account holders, and external transfers are typically quick.