ATM / BRANCH
Check your rate for a Citiedge® Personal Loan
Rates as low as 7.99% APR1, which includes a 0.5% discount for enrolling in automatic payments
No Origination Fees. No fees whatsoever
Up to 60 month repayment terms
Whether you need a personal loan to consolidate credit cards or other high-interest debts, with a Citiedge® Personal Loan you can use the funds to help consolidate those debts into a convenient single monthly payment.3
No need to juggle payments. Consolidate multiple debts into one simple monthly payment with a Citiedge® Personal Loan.
With a personal loan from Citiedge, 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.
A Citiedge® Personal Loan can serve as a debt consolidation loan to help you manage your current debt. Use our debt consolidation calculator to estimate how much you could save.
Applying for a Citiedge® Personal Loan is simple and fast. To get started, check your rate with no impact to your credit score.2
No need to juggle payments. Consolidate multiple debts into one simple monthly payment with a Citi® Personal Loan.
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.
A Citi® Personal Loan can serve as a debt consolidation loan to help you manage your current debt. Use our debt consolidation calculator to estimate how much you could save.
Applying for a Citi® Personal Loan is simple and fast. To get started, check your rate with no impact to your credit score.2
Secure and easy application
Zero fees
Lock in a fixed rate
Get your money fast
Use our debt consolidation calculator to see how much you could save by consolidating your debts.
Complete your application online and get a quick decision. Check your rate without impacting your credit score.
Once approved, we can send payments directly to your creditors, making the consolidation process simple and convenient.
Get started online
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.4
Citiedge® 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.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 in Puerto Rico). Co-applicants are not permitted. Existing Citiedge deposit and credit card customers who have been a Citiedge customer for less than 12 months are not eligible for a Citiedge® 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 7-30-2025. Your APR may be as low as 7.99% or as high as 19.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a qualifying term, and includes a 0.5% APR discount for enrollment in automatic payments at loan origination. Your APR will depend on creditworthiness, term, and existing relationship with Citiedge. Example: a $10,000 loan for 36 months at 15.99% APR has 36 monthly payments of approximately $351.52. Citiedge Priority and Citiedge Gold customers may receive an additional 0.25% discount. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice. ← Go back
2 To check for offers you may qualify for, Citiedge conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, Citiedge will conduct a hard credit inquiry which may impact your credit score. ← Go back
Deposit products and services are offered by Citiedge Lending, Equal Housing Lender.
