Citi® Personal Loans
Enjoy fixed rates as low as 9.99% APR, zero fees, and flexible terms up to 60 months. Borrow up to $30,000 with no collateral required.
Citi® Personal Loans stand out for those seeking a simple, unsecured loan without hidden costs. With a fixed interest rate ranging from 9.99% to 19.49% APR, you can borrow between $2,000 and $30,000. Terms span from 12 to 60 months, and there are no origination, prepayment, or late fees, making this offer appealing for many borrowers.
The minimum rate is available to highly qualified applicants and can be further reduced by 0.5% if you set up automatic payments, making it especially cost-effective for Citi customers. The process does not require collateral, so it’s accessible for those needing flexibility.
How to Apply: Step-by-Step
- Check your personalized rate online (no credit impact)
- Complete and submit the online application
- Once approved, receive your funds (same day for Citi accounts or up to two business days for others)
Pros of Citi® Personal Loans
Zero fees give you peace of mind that the amount you borrow is exactly what you repay, with no extra charges or unpleasant surprises.
The fast approval and funding process means access to cash when you need it most, which is ideal for urgent expenses or consolidating high-interest debts.
Cons of Citi® Personal Loans
This loan is not open to co-applicants, limiting flexibility for those who want to apply with someone else.
Citi® Personal Loan funds cannot be used for business or college tuition, restricting some applicant needs.
Our Verdict
Citi® Personal Loans are an excellent option for borrowers with good credit seeking a quick, no-fee financing solution. The transparent terms and competitive rates make it worthwhile, but eligibility requirements and usage restrictions are important to consider.