• Secure and easy application

  • Zero fees

  • Lock in a fixed rate

  • Get your money fast

A Citi® Personal Loan for home improvement can help provide the funding to renovate or repair your home.

 

  • CITI® PERSONAL LOAN

    Why a Citi® Personal Loan?

    A personal loan can help you combine multiple debts into one easy payment. If your new loan has a lower interest rate, you could save money and pay less each month.

  • DEBT CONSOLIDATION CALCULATOR

    Review Potential Savings

    Enter your current debt balances, interest rates, and monthly payments into our debt consolidation calculator. It will then show you potential savings by combining your debts into one personal loan, considering the new loan's interest rate and repayment schedule.

  • No Collateral Required

    No collateral

    Unsecured personal loans unlike a home equity line of credit (HELOC) let you borrow funds to finance home improvement projects without requiring you to use any collateral. 

  • PERSONAL LOANS CENTER

    Explore Articles and Topics

    Visit the Citi Personal Loan Center to learn how to manage your finances for debt consolidation, home improvements, and other big expenses. Citi offers personal loans to eligible new and existing customers who meet credit and income requirements.

Check your rate
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Checking your rate won't impact your credit score2

No Origination Fees. No fees whatsoever

Up to 60 month repayment terms

Our personal loan application

  1. 1

    Check your rate for a Citi® Personal Loan

    See your rate in just a few clicks without impacting your credit score.2

  2. 2

    Complete and submit your application2

     

  3. 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 account.4

Start your home improvement projects with a personal loan plan

More resources and articles on personal loans

 

  • How to Finance a Home Remodel

       

    Personal loans are unsecured loans you can use to fund home renovations without putting your home up as collateral. These loans typically offer fixed interest rates and set monthly payments, which may make budgeting for your project easier.

  • How to Apply for a Citi® Personal Loan

      

    No-fee personal loans up to $30,000. Existing Citi customers with an eligible checking or savings account, or a Citi credit card may be eligible for up to $50,000.

  • Personal Loan Requirements

      

    Personal loans are flexible loan options that have become a key part of many Americans’ financial lives. When applying for a personal loan, it’s crucial to know what lenders evaluate to determine your eligibility. 

  • Personal Loans for Major Expenses

      

    Learn about managing major expenses using personal loans.

Learn more about a Personal Loan for home improvement

A personal loan for home improvement, in some circumstances referred to as a home improvement loan, can be used for various projects, including renovating kitchens, updating bathrooms, adding new rooms or transforming your outdoor space.

Financing a home improvement with a personal loan can provide quick access to funds without tapping into your home’s equity. It’s often a good idea if you have a one-time expense, such as a repair or remodel, for which you need a specific amount of funds.

A personal loan used for home improvement is typically unsecured and offers you the funds in a lump sum. A home equity loan uses the equity in your home as collateral and may have different interest rates, repayment terms, or creditworthiness requirements.

A Citi® Personal Loan that is used for home improvement is unsecured, meaning it doesn’t require collateral. 

Citi® offers personal loans for home improvement in amounts up to $30,000 depending on eligibility.

Besides personal loans, Citi also provides other lending solutions including home loans that use the equity in your home as collateral and are suitable for larger loan amounts or to fund ongoing expenses. Learn more.

Applying for a personal loan may result in a temporary dip in your credit score due to a hard inquiry. However, consistent, on-time payments can help improve your credit over time.

Yes, you can use personal loans, sometime referred to as home improvement loans to fund expenses from professional renovations or do-it-yourself home improvement projects.3

No, personal loans have no prepayment penalties. You can pay off your personal loan early and potentially save on interest.

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. Existing Citi banking Relationship Tier customers will receive an additional 0.25% discount on the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
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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.
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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.
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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.
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5Eligibility 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.

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Personal loans are made available by Citibank, N.A., Equal Housing lender