Choose how to use your personal loan

  • DEBT CONSOLIDATION

    Consolidate debt into a single payment

    You may be able to save money by consolidating higher-interest balances with a Citi® Personal Loan. Plus, you’ll have one fixed-rate monthly payment – with no fees. Use our debt consolidation calculator to see your options.

  • HOME IMPROVEMENT

    A dream home takes work

    When it’s time to make repairs or take on a big project, a Citi® Personal Loan offers a fixed rate to get things started.

  • UNEXPECTED EXPENSES

    Take on the unexpected

    A Citi® Personal Loan comes with no surprise fees. Manage financial ups and downs with a Citi® Personal Loan. The funds can help you cover unexpected expenses like medical bills, pet care or car repairs.

  • OTHER NEEDS

    Fast. Simple. Flexible.

    Use a Citi® Personal Loan for just about anything, from new furniture or appliances to family reunions or weddings.4.

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 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

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

  3. 3

    Get your funds fast

    Once approved, get your 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 account5.

It’s easy to get started

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.4

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 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