• Secure and easy online application

  • Smart Borrowing

  • 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 home improvement loan, also known as a personal loan, can be used for almost anything, such as financing a home remodel without using your home equity or combining multiple debts into one easy payment.

  • DEBT CONSOLIDATION CALCULATOR

    Review Potential Savings

    Debt consolidation could help make paying for home improvements more manageable. Enter your current debt balances, interest rates and monthly payments into our debt consolidation calculator. It can show you potential savings by combining your debts into a personal loan with a lower interest rate. That could free up more of your budget for a home repair or renovation.

  • No Collateral Required

    No collateral

    Unlike a home equity line of credit (HELOC), unsecured personal loans 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 use a personal loan for home improvement, debt consolidation and other big expenses. Citi offers personal loans to eligible new and existing customers who meet credit and income requirements.

Check your rate
Enter invitation code

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 personal loan rate

    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 for home improvement 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

      

    Home improvement personal loans up to $30,000. Existing Citi customers with an eligible checking or savings account, or a Citi credit card, may be eligible to borrow up to $50,000.

  • Personal Loan Requirements

      

    Personal loans for home improvement are flexible loan options that have helped many Americans finance a home remodel or repair. When applying for a personal loan, it’s crucial to know what lenders evaluate to determine your eligibility.

  • Personal Loans for Major Expenses

      

    A personal loan for home improvement is a financial responsibility. Learn about how to manage personal loans wisely for major expenses.

Learn more about loans for home improvement

A home improvement loan, also known as a personal loan, can be used for various projects, including renovating kitchens, updating bathrooms, adding new rooms or transforming your outdoor space. If you have an improvement in mind for your house, a personal loan may be able to help.

Financing a home improvement with a personal loan can provide quick access to funds without tapping into your home’s equity. A personal loan is often useful 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 for home improvement is typically unsecured and offers you the funds in a lump sum. A home equity loan is secured, meaning it uses the equity in your home as collateral, and may have different interest rates, repayment terms or creditworthiness requirements.

A Citi® Personal Loan for home renovations is unsecured, meaning it doesn’t require collateral. That may be appealing to homeowners who want to protect the equity they’ve earned in their home.

Citi® offers personal loans for home repairs or improvement in amounts up to $30,000 depending on eligibility. Eligible applicants may get a home improvement personal loan without any hidden fees. Existing Citi customers with an eligible checking or savings accounts, or a Citi credit card, may be eligible for up to $50,000.5

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

Besides personal loans, Citi also provides other lending solutions, including HELOCs, which 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 triggers a hard inquiry, which may result in a temporary dip in your credit score. However, consistent, on-time payments can help improve your credit over time.

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

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

Begin the online application process for a home improvement personal loan by checking your rate.

Citi® will disclose any fees when you submit your personal loan application.6 Citi charges no late fees or prepayment penalty. Personal loan funds can be used for almost any reason, including home improvement or debt consolidation, in amounts up to $30,000 for new-to-Citi customers.3

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

← Back to top