Citadel Personal Line of Credit Review

Citadel Personal Line of Credit is offered by Citadel CU, a credit union founded in 1937 and based in Exton, PA. Citadel Personal Line of Credit is available in 1 state across the USA.

What APRs does Citadel Personal Line of Credit offer?

Citadel Personal Line of Credit offers a variable APR product that ranges from 10.99% APR up to 18% APR.

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.

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 Citadel Personal Line of Credit?

Applicants with a credit score of at least 780 and up to 850 are eligible for Citadel Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Citadel Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. Citadel Personal Line of Credit will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Citadel Personal Line of Credit. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Citadel Personal Line of Credit. Permanent resident / green card holders are also eligible to apply.

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.