Citadel Personal Line of Credit Review

Where does Citadel Personal Line of Credit do business?

Citadel Personal Line of Credit is a credit union based in Exton, PA. that was founded in 1937. Citadel Personal Line of Credit is offered in 1 state across the USA.

What are the APRs offered via Citadel Personal Line of Credit?

Citadel Personal Line of Credit offers personal lines of credit with variable APRs starting from 10.99% to 18%.

Does Citadel Personal Line of Credit charge an origination fee?

Yes, Citadel Personal Line of Credit charges a line of credit origination fee.

Does Citadel Personal Line of Credit charge a cash advance fee?

Yes, Citadel Personal Line of Credit may charge a fee starting at 3% of the amount of each cash advance starting at $10

Does Citadel Personal Line of Credit charge a late fee?

Yes, Citadel Personal Line of Credit may charge borrowers a late payment fee.

Does Citadel Personal Line of Credit charge prepayment fees?

Yes, Citadel Personal Line of Credit charges additional fees to borrowers who close their line of credit sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a line of credit.

Citadel Personal Line of Credit Fees

Cash Advance Fee	Starting at 3%
Origination Fee	N/A
Prepayment Fee?	Yes
Late Payment Fee	up to $25

What do you need to qualify for a line of credit with Citadel Personal Line of Credit?

Applicants with a credit score of at least 780 can apply for a line of credit via Citadel Personal Line of Credit. The minimum age to apply for a line of credit is 18 or the state minimum, whichever is higher.

Citadel Personal Line of Credit will also consider borrowers who are unemployed

Active duty servicemembers and their covered dependents are not considered covered borrowers. In other words, they are eligible to apply for a line of credit via Citadel Personal Line of Credit. Their rates fall within the limits of The Military Lending Act. Only U.S. citizens and permanent residents can apply for a line of credit.

How to apply for Citadel Personal Line of Credit

• Visit the Citadel CU website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.