Borrow up to $30,000 with zero setup or early-payoff penalties—your repayment savings go straight to your balance.
Enjoy predictable payments with fixed APRs, plus a 0.5% autopay discount and up to 0.25% for Citigold/Priority customers
Check your rate in minutes without impacting your credit score—no commitment until you decide to apply
Existing Citibank customers can receive funds the same day; others within two business days via direct deposit
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Say Goodbye to Hidden Fees+
Citibank personal loans include no origination or prepayment fees, setting them apart from many competitors. Whether you’re paying off your loan early after a bonus, or simply paying down the balance faster, you won’t face penalties. This preserves the full benefit of your repayment strategy, helping you save on interest and shorten the loan term.
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Take Control with Fixed APRs & Discounts+
Citibank offers fixed APRs between 11.49% and 20.49%, giving you predictability in monthly expenses. Plus, you can enhance affordability by enrolling in autopay (–0.5%) and, if eligible, unlocking an additional –0.25% for Citigold or Priority accounts. These discounts translate into real savings, making loans more competitive—especially for borrowers consolidating higher-interest debts.
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Explore Rates Without Credit Risk+
Citibank’s soft-credit prequalification is a standout feature—it lets you explore loan offers without triggering a hard inquiry. You’ll receive several APR and term scenarios tailored to your profile, risk-free. Only when you’re ready to move forward will a hard pull occur. This thoughtful approach supports careful planning and preserves your credit rating
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Flexible Borrowing for Everyday Life+
Loans range from $2,000 to $30,000 over terms of 12 to 60 months, making them versatile for many purposes. Use it for consolidating credit card debt, covering a wedding, financing a home improvement project, or managing unexpected expenses. Fixed payments and a mid-range ceiling help keep your borrowing within reasonable limits, aligning with everyday financial realities.
Top U.S. Personal Loan Options
- Citi Personal Loan – Borrow $2,000–$30,000 over 12–60 months with APRs from 11.49%–20.49% (including autopay discount), no fees, and fast funding.
- SoFi – Loans up to $100,000, APRs ~9%–29.99%, no origination fee, plus unemployment protection.
- Upstart – Offers $1,000–$50,000 with APRs ~6.7%–35.99%, uses alternative data in approvals.
- LightStream – Loans from $10,000–$100,000 with low APRs (6.94%–25.79%), fast funding for strong-credit borrowers.
- Credible Marketplace – Compare offers—such as Citi, SoFi, and Upstart—with a single soft credit pull.
Traditional Banks & Credit Union Loans vs. Citi
Traditional financial institutions may offer lower APRs and in-person support but often require strong credit, extensive documentation, and slower approval times. Citi combines the best of both worlds: competitive, fixed-rate loans, no fees, and digital convenience—ideal for borrowers seeking clear, straightforward borrowing without the bureaucracy.
Citi Personal Loan Details
Citi’s unsecured personal loan covers $2,000 to $30,000, repayable over 12 to 60 months. APRs range from 11.49% to 20.49%, including a 0.50% autopay discount, with an additional 0.25% loyalty discount for Citigold or Citi Priority customers. There are no fees—no origination, late, or prepayment penalties. Funds arrive same day for Citi account holders and within two business days for external banks. Prequalification uses a soft credit check, preserving your score until you commit to a loan—when a hard inquiry occurs. Borrowers typically need a minimum income of $30,000 and strong credit (FICO ~740+), with examples noting clean, fixed payments around $351/mo for a $10,000 loan at 15.99% APR over 36 months.
Digital-First Loan Alternatives
Online lenders like SoFi, Upstart, and LightStream offer fast and flexible loans with no fees, soft prequalifications, and in some cases, same-day funding. These options are ideal for borrowers with strong or fair credit who want speed and full control of their loan experience.
Credit Union and Peer-Lending Options
Credit unions and peer-to-peer platforms offer transparent rates and community-driven lending with co-signer options and member benefits. However, they may involve more paperwork or slower processing. In contrast, Citi provides a seamless, no-collateral, and secure digital option with national availability .
Loans for Fair or Poor Credit
Citi typically targets borrowers with FICO scores around 740 or higher, making it less accessible for those with fair credit. If your score is lower, you may receive limited offers or need to consider lenders like Upstart or peer-credit unions that accommodate modest credit with alternative assessment models.
How Citi Loans Affect Your Finances & Credit
Checking your rate initiates a soft pull that doesn’t impact your score; final approval triggers a hard pull, which may temporarily dip your score by a few points. Citi reports payment activity monthly, so on-time payments can strengthen your credit, while missed payments damage it. Since personal loans are installment debt, they influence your debt-to-income ratio, which lenders evaluate for future credit like mortgages. With no prepayment penalties, you can pay early to reduce interest costs and enhance your credit profile.
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