Consolidate debt with a Citi® Personal Loan

Whether you need a personal loan to consolidate credit cards or other high-interest debts, with a Citi® Personal Loan you can use the funds to help consolidate those debts into a convenient single monthly payment.4

  • Fixed-Monthly Payment

    One convenient payment

    No need to juggle payments. Consolidate multiple debts into one simple monthly payment with a Citi® Personal Loan.

  • Save on Fees

    Zero fees

    With a personal loan from Citi, you’ll be locked into a fixed interest rate and pay zero fees, giving you the money you need to put toward paying down debt.

  • Possibly Lower APR

    Potentially save on interest

    Consolidate higher-interest debt with a Citi® Personal Loan and you may be able to save money on interest. Use our debt consolidation calculator to estimate how much you could save.

  • Fast Application Decision

    Simple application

    Applying for a Citi® Personal Loan is simple and fast. To get started check your rate with no impact to your credit score.5

Check your rate
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Checking your rate won't impact your credit score3

  • Secure and easy application

  • Zero fees

  • Lock in a fixed rate

  • Get your money fast

Our personal loan process takes minutes

  1. 1

    Check your rate for a Citi® Personal Loan

    See your rate in just a few clicks without impacting your credit score.3

  2. 2

    Complete and submit your application

     

  3. 3

    Get your funds fast

    Once approved, get your funds 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 account5

Consolidate debt today

Learn more about Citi personal loans for debt consolidation

A personal loan for debt consolidation may be helpful if you’re looking to consolidate multiple reoccurring payments down to a single payment at a fixed amount. Also, if the interest rate on the personal loan is lower than the average interest rate of the existing loans, this could help reduce the amount of interest paid on the total debt and reduce the payment amounts.

Approval for a Citi® Personal Loan application may happen on the same business day depending on your application, but the time to receive the funds may vary depending on whether you have a Citi® or non-Citi® bank account.5

Citi® personal loans offer a fixed rate APR.

A 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.4

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 deposit and credit card customers who have been a Citi customer for less than 12 months 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 6-01-2024. Your APR may be as low as 11.49% or as high as 20.49% for the term of your loan. The lowest rate quoted assumes excellent credit and a loan term of 24 or 36 months. 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.

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2 There is a 0.5% APR discount if you enroll in automatic payments at loan origination. Additionally, existing Citigold and Citi Priority customers will receive a 0.25% discount to the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.

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3 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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4 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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5 If you are approved for a personal loan with Citi, you can get your funds the same day with a Citi deposit account, or up to 2 business days for a non-Citi account when using direct deposit. Or, you can select to receive a check by mail in approximately 5 business days.

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