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Debt Consolidation Personal Loans | Learn More

A Citi® Personal Loan gives you the funds you need to help consolidate debt from credit cards or other high-interest loans into a convenient single monthly payment.3

  • CITI® PERSONAL LOAN

    Why a Citi® Personal Loan?

    Consolidating debt with a personal loan may help you combine multiple debts into one easy payment.  A new loan with a lower interest rate may help you 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 estimates the potential savings of combining your debts into one personal loan, based on the new loan's interest rate and repayment schedule.

  • LOANS FOR HOME IMPROVEMENT

    Loans for Home Improvement

    Need cash for a one-time expense like a repair or remodel? A personal loan can help, and you won't need to use your home's equity.

  • PERSONAL LOANS CENTER

    Explore Articles and Topics

    Visit the Citi Personal Loan Center to learn how to manage debt consolidation, home improvement costs 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 process takes minutes

  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 account4

Consolidate debt today

More resources on personal loans for debt consolidation

 

  • Using a personal loan to consolidate credit card debt

      

    Consolidating credit card debt with a personal loan may let you streamline monthly payments and potentially pay less every month.

  • What is a debt consolidation loan?

      

    A debt consolidation loan is a personal loan you use to refinance high-interest debt. Debt consolidation through a personal loan with a lower interest rate or better terms may help you save money overall.

  • How do you consolidate debt with a personal loan?

      

    Typically, you start the debt consolidation process by applying for a personal loan. Once approved, you may use the loan funds to pay off your other debts. Lenders may send the money to you or offer to pay your creditors directly.

  • How to manage and consolidate debt

      

    Learn more about consolidating debt with personal loans and explore tips and strategies to help you through the process.

Learn more about personal loans for debt consolidation

A personal loan for debt consolidation, sometimes referred to as a debt consolidation loan, may be helpful if you’re looking to combine multiple recurring payments into a single payment with a fixed repayment schedule. If the interest rate on your personal consolidation loan is lower than the average interest rate of your existing debt, consolidating may reduce how much interest you owe and potentially lower your monthly payments, too.

Applicants seeking a personal loan for debt consolidation may be approved the same business day. 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.4

Citi® personal loans to consolidate debt offer a fixed-rate annual percentage rate (APR), meaning your interest rate won’t change. A fixed rate helps borrowers by making their monthly payments more predictable and easier to budget for.

You can use a personal loan to consolidate credit card debt or other high-interest loans and cash advances.

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® (Variable Rate) Line of Credit and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts.3

Applying for a personal loan triggers a hard credit inquiry, which may cause a temporary dip in your credit score. However, consistent, timely repayments can help improve your credit.

No, personal loans are typically unsecured. You don’t need to provide collateral to use a personal loan to consolidate your debts.

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

Yes, you may use a personal loan to pay off balances from multiple debts, helping to simplify repayment with one fixed monthly payment.3

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.

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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 and/or the loan amount offered to you.

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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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4Once 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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6 No late fees or prepayment penalties apply.

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

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