Check your rate
A Citi Personal Loan is a fixed-rate loan that you pay back in predictable monthly payments over a set duration. You can choose your loan amount and duration to configure convenient terms and a monthly payment amount that works for you.
Already a Citi customer? Log in here >
Checking your rate won't impact your credit score2
Choose how to use your personal loan
Checking your rate won't impact your credit score2
No Origination Fees. No fees whatsoever
Up to 60 month repayment terms
Our easy loan process takes minutes
-
1
Check your personal loan rate
See your rate in just a few clicks without impacting your credit score.
-
2
Complete and submit your loan application
-
3
Get your funds fast
Once approved, most customers get funds as soon as the same business day when deposited directly to a Citi® bank account or within 2 business days when deposited directly to a non-Citi® bank account4.
It’s easy to get started
More resources and articles on personal loans
Learn more about a Citi® Personal Loans
Once approved, you can use your personal loan funds for a variety of different expenses. You could consolidate higher-interest debts into one monthly payment, cover unexpected expenses, fund home improvements and more.3
The funds from a Citi® Personal Loan can be used to pay off credit card debt from other lenders. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts.3
Checking your personal loan interest rate will not affect your credit score. When you complete an application for a personal loan, however, Citi will conduct a hard credit inquiry, which may have an impact on your credit score.
The minimum personal loan amount you can apply for is $2,000. There are no hidden fees to apply for a personal loan or to borrow amounts up to $30,000. Existing Citi customers with an eligible checking or savings accounts, or a Citi credit card, may be eligible for up to $50,000.5
Automatic personal loan payments are scheduled monthly withdrawals of your monthly payment from a qualifying checking, savings or money market account. There is a 0.5% APR discount if you enroll in automatic payments at loan origination.
Yes –you can pay off your personal loan early at any point. Citi doesn’t currently allow principle-only payments but you can at any point make a one-time payment in any amount as long as it satisfies your monthly statement balance.
If your personal financial situation has changed and you require financial assistance, please contact the Personal Loans Services and Support at 1-800-685-0935.
For TTY: We accept 711 or other Relay Service
Important Legal Disclosures and Information
Terms, conditions, and fees for accounts, products, programs and services are subject to change at any time.
You must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted. Existing Citi credit card customers who have been a Citi customer for less than 12 months and do not have a Citi deposit account are not eligible for a Citi® Personal Loan.
If you apply online, you must agree to receive the loan note and all other account disclosures provided with your loan origination in an electronic format and provide your signature electronically.
1 Rates as of 2-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Citi offers personal loans with a period of repayment between 12 and 60-month terms. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52. If you are a Citi banking Relationship Tier customer at the time of application, you may be eligible for an APR discount. If multiple relationship-based discounts are available, whether based on a Citi banking Relationship Tier or a qualifying credit card relationship, only the highest discount will apply. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
← Go back
2 To check for offers you may qualify for, Citi conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, Citi will conduct a hard credit inquiry which may have an impact on your credit score and/or the loan amount offered to you.
← Go back
3 Citi® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citi.com/affiliatesproducts for a list of Citi products and affiliates.
← Go back
4 Once approved, Citibank can deposit funds directly into an existing Citibank account as soon as the same business day, or within 2 business days when deposited to an external bank account, provided the bank account has not been recently opened. In such instances, Citi reserves the right to reject the bank account as the disbursing account for personal loan funds, and you can select another bank account or select to receive a check by mail, which is delivered generally within 5 business days.
← Go back
5 Eligibility for a loan amount of up to $50,000 is exclusively limited to customers holding Citi credit cards or eligible Citi checking and savings accounts. Loan approval is subject to Citi's standard credit underwriting criteria and other terms and conditions.
← Go back
6 No late fees or prepayment penalties apply.
← Go back
Personal loans are made available by Citibank, N.A., Equal Housing lender