A home improvement personal loan can help provide the funding to renovate or repair your home

 

  • Cash for Home Improvement

    Funds for home projects

    Use a Citi® Personal Loan to remodel your kitchen or bathroom, renovate your favorite living spaces, elevate your outdoor space with new and improved landscaping and a lot more.

  • Enjoy Zero Fees

    Zero fees

    With a Citi® Personal Loan for home improvement, you can receive a fixed interest rate and pay zero fees, giving you the money you need to put towards your most in-demand home improvement projects.

  • 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. 

  • Easy Application Process

    Simple application

    Applying for a Citi® Personal Loan for home improvement is simple and fast. First, you’ll check your personal loan rate, then apply, and once you’re approved you can get your funds as quickly as the same business day.4 See below for step-by-step instructions.

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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 application

  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 account.5

Start your home improvement projects with a personal loan plan

Learn more about a Citi® Personal Loan for home improvement

A Citi® Personal Loan can be used for various projects, including renovating kitchens, updating bathrooms, adding new rooms or transforming your outdoor space.

Financing 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 for home improvements 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 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.

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

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