Citi® Personal Loans
Get up to $30,000 unsecured, with rates as low as 9.99% APR, no fees, and fast funding. No collateral is required. Easy online application process.
Citi® Personal Loans offer flexible borrowing for up to $30,000, with annual percentage rates starting at 9.99%. These are unsecured loans, so you won’t need any collateral. Qualified existing Citi customers may even access up to $50,000. The application process is entirely online, promising convenience, zero fees, and fast funding. Fixed rates and repayment terms of up to 60 months provide predictability for your monthly budget.
How to Apply: A Step-by-Step Guide
- Check your rate with just a few clicks, with no impact on your credit score
- Complete and submit the online application form
- Once approved, receive funds as soon as the same business day for Citi bank accounts, or within two days for others
The process is designed for simplicity and speed, allowing you to manage your needs quickly and securely from home.
Pros of Citi® Personal Loans
Getting a Citi® Personal Loan means zero origination fees and no prepayment or late fees. You’ll enjoy a transparent cost structure and predictable payments.
Another advantage is that checking your personalized rate doesn’t impact your credit score, which is a huge plus if you’re rate-shopping.
Cons of Citi® Personal Loans
On the flip side, eligibility is limited to U.S. residents, and not every applicant will receive the lowest rate. Top rates are usually reserved for those with excellent credit.
Additionally, co-applicants aren’t permitted, which may restrict borrowing power for some users.
Verdict: Is Citi® Personal Loan Right for You?
Citi® Personal Loans are attractive if you want fast access to unsecured funds, prefer zero fees, and value an easy online process. However, check your eligibility, consider your credit profile, and compare with other lenders before applying.
