• Secure and easy application

  • Zero fees

  • Lock in a fixed rate

  • Get your money fast

Choose how to use your personal loan

  • LOANS FOR DEBT CONSOLIDATION

    Consolidate Debt with a 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. 

  • 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.3

  • 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.

  • 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 easy loan process takes minutes

  1. 1

    Check your rate

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

  2. 2

    Complete and submit your application

  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.

It’s easy to get started

More resources and articles on personal loans

 

  • How to Apply for a Personal Loan

      

    Learn more about the application process for personal loans, in-person and online.

  • Types of Personal Loans

      

    Personal loans can come in a few different types. Explore which one is right for your circumstances.

  • Personal Loan Requirements

      

    Depending on the lender, personal loans may have certain requirements. Explore what you generally may need to qualify.

  • Personal Loans Center

      

    Explore a wide range of resources from Citi to learn more about personal loans.

Learn more about Citi® Personal Loans

A Citi Personal Loan is a fixed-rate loan that you pay back in fixed monthly payments over a set duration. You can choose your loan amount and duration to configure convenient terms and a fixed monthly payment that works for you.

Once approved, you can use your funds for a variety of different expenses. Use your funds to consolidate higher-interest-rate debts into one monthly payment, cover unexpected expenses, and fund home improvements.3

Checking your rate will not affect your credit score. If you submit a completed loan application, Citi will conduct a hard credit inquiry which may have an impact on your credit score.

The minimum loan amount you can apply for is $2,000.

A Citi Personal Loan comes with $0 fees. That means no origination fee, no prepayment penalty, no late fees, and no hidden fees.

Automatic payments are automated monthly withdrawals of your monthly loan 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.

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.

1Rates 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