Citibank Custom Credit Line

Citibank Custom Credit Line

in Personal Lines of Credit from Citibank


Citibank Custom Credit Line


in Personal Lines of Credit from Citibank

Net Recommendation Score +100%



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Loan Amount $1,500 - $25,000
APR  (Variable APR) 10.49% - 22.49%

Citibank Custom Credit Line Review

Citibank Custom Credit Line is offered by Citibank, a bank founded in 1812 and based in New York, NY. Citibank Custom Credit Line is available in 50 states (and Washington, DC).

Citibank Custom Credit Line FAQ

What APRs does Citibank Custom Credit Line offer?

Citibank Custom Credit Line offers a variable APR product that ranges from 10.49% APR up to 22.49% APR. Interest rates vary by state. Rate is quoted with autopay discount*.

Does the Citibank Custom Credit Line charge an origination fee?

No, Citibank Custom Credit Line does not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does the Citibank Custom Credit Line charge a cash advance fee?

No, Citibank Custom Credit Line doesn't charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn.

Does the Citibank Custom Credit Line charge a statement balance fee?

Does Citibank Custom Credit Line charge a late fee?

Yes, Citibank Custom Credit Line may charge borrowers a late payment fee of up to $10 .

How much can you borrow via Citibank Custom Credit Line?

Upon approval and based on your credit worthiness, your Citibank Custom Credit Line personal line of credit will be assigned a credit limit of at least $1,500 and as much as $25,000. .

Citibank Custom Credit Line Fees
Cash Advance Fee N/A
Origination Fee No
Prepayment Fee? No
Late Payment Fee Starting at $10
Statement Balance Fee No

What do you need to qualify for Citibank Custom Credit Line?

Applicants with a credit score of at least 600 and up to 850 may be eligible for Citibank Custom Credit Line. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for personal lines of credit with Citibank Custom Credit Line, applicants need a minimum annual income of $10,500 or higher. Citibank Custom Credit Line only considers borrowers who are employed and meet the minimum income requirement.

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 Citibank Custom Credit Line. Their rates fall within the limits of The Military Lending Act.

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

Does Citibank Custom Credit Line report your account activity to credit bureaus?

Yes, Citibank Custom Credit Line reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Citibank Custom Credit Line

  • Visit the Citibank Custom Credit Line website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.
Citibank Custom Credit Line Disclosure: To qualify for a Custom Credit Line, you must have both (1) a Citibank deposit account balance of $500 or more and (2) at least 3 months of tenure on a Citibank deposit account, a linked Citibank Mortgage or a Citi credit card (Sears, Macy's, Home Depot and other retail partner cards excluded) at the time of application. Rates as of 03/14/2019. Your APR may be as low as 10.49% variable APR or as high as 22.49% variable APR (may vary by state). To qualify for the lowest rate, customers must use Citibank Auto Deduct (an automated monthly debit from a Citibank deposit account) for repayment, meet eligible Citi relationship balance requirements, and have an excellent credit history. Lower rates are available for Citigold and Citi Priority customers and customers with $200,000 or more in eligible relationship balances. If you are in default, your Annual Percentage Rate may increase by 2.00%. Annual Fee of $50 waived for Citigold and Citi Priority customers and anyone who takes a loan or makes a payment on their account once during the year. Personal lines and personal loans are made available by Citibank, N.A.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Citibank

This personal line of credit can help you meet your borrowing needs or provide you with the funds when you need it the most.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee
No Prepayment Fee
Annual Fee $50
Late Fee Amount Starting at $10
Checking Account Required
Credit Score Range 600 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Minimum Annual Income $10,500
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Payment Options
  • Automatic Payments
  • Bank Transfer
  • Cash
  • Check by mail
  • Storefront
APR (Variable APR) 10.49% - 22.49%
Loan Amount $1,500 - $25,000

Citibank Custom Credit Line Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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