Citi® Personal Loans
Low fixed rates from 9.99% APR, borrow up to $30,000 unsecured, flexible repayment up to 60 months, and absolutely no fees. Fast funding and easy online process.
Citi® Personal Loans offer borrowers competitive fixed interest rates starting as low as 9.99% APR, with loan amounts available from $2,000 up to $30,000. For existing eligible customers, loan amounts can reach as high as $50,000. Repayment terms range from 12 to 60 months, letting you customize your monthly payment schedule. Citi personal loans come with zero fees—no origination, prepayment, or late fees, making this an attractive option for those wanting transparency and flexibility.
How to Apply for a Citi® Personal Loan
- Check your rate online – without affecting your credit.
- Fill out the application by providing basic personal and financial details.
- Review the offer and agree to the electronic disclosures.
- Once approved, funds are deposited as soon as the same or next business day, depending on your bank.
Key Pros of Citi® Personal Loans
The application process is straightforward and secure, fully online and easy to navigate. Zero fees mean no unpleasant surprises. Borrowers can lock in a fixed rate and enjoy predictable monthly payments over the duration of the loan.
Rates are competitive for qualified applicants, with extra discounts available for automatic payments and existing Citi customers. Funding is also quick: approved loans can be funded the same day if deposited into a Citi account.
Possíveis desvantagens a considerar
Citi® Personal Loans are not available to co-applicants or for business or post-secondary education expenses. New customers without a prior Citi relationship may only borrow up to $30,000.
Applicants with less-than-excellent credit may not qualify for the lowest rates. There may also be an impact on credit if you formally submit an application, due to the hard inquiry required.
Veredicto final
Citi® Personal Loans stand out for their transparent, no-fee structure, quick application, and funding. With flexible terms and great rates for qualified borrowers, they’re a strong choice for consolidating debt, major purchases, or unexpected expenses.
