ATM / BRANCH
No collateral required. Get an unsecured personal loan you need for what matters most.
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
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.
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.
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, pet care or car repairs.
Use a Citi® Personal Loan for just about anything, from new furniture or appliances to family reunions or weddings. Learn more about personal loans.3
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.
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.
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, pet care or car repairs.
Use a Citi® Personal Loan for just about anything, from new furniture or appliances to family reunions or weddings. Learn more about personal loans.3
Secure and easy application
Zero fees
Lock in a fixed rate
Get your money fast
See your rate in just a few clicks without impacting your credit score.
Complete your application with required documents. See what you'll need.
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 account.4
Apply online
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. Learn more about loan basics.
A Citi Personal Loan comes with $0 fees. That means no origination fee, no prepayment penalty, no late fees, and no hidden fees. Learn more about loan 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 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 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 Citi. Example: a $10,000 loan for 36 months at 15.99% APR has 36 monthly payments of approximately $351.52. Citi Priority and Citigold 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, 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 impact your credit score. ← Go back
3 Citi® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citiedgelending, or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citiedgelending will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citiedgelending.com/affiliatesproducts for a list of Citi products and affiliates. ← Go back
4 If you are approved for a personal loan with Citi, you can get your funds as soon as the same business day when deposited directly to 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. ← Go back
Deposit products and services are offered by Citiedgelending. Equal Housing Lender.
