Is Citi® Personal Loans the right fit for you?
Last Updated: 02/18/2026
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Highlights
APR (Fixed APR)
9.99% - 17.49%(Verified 02/18/2026)
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Amount Range
$2,000 - $30,000
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Loan Term (Months)
12 - 60
Citi® Personal Loans Review
Citi® Personal Loans is offered by Citi®, a bank founded in 1812 and based in New York, NY. Citi® Personal Loans are available in 50 states, 4 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 9.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Citi® Personal Loans are on the lower end of the spectrum.
- Prequalified rate. You can check your prequalified rate at Citi® with a soft pull that will not affect your FICO or VantageScore.
- No origination fee. Citi® Personal Loans does not charge a loan origination fee.
- No late fees. Citi® Personal Loans will not charge additional fees if you miss the due date on a payment.
Citi® Personal Loans Pros & Cons
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Citi® Personal Loans FAQ
What interest rates and personal loan terms does Citi® Personal Loans offer?
What interest rates does Citi® Personal Loans offer?
Citi® Personal Loans offers a fixed APR personal loan product that ranges from 9.99% APR up to 17.49% APR**.
How much can you borrow via Citi® Personal Loans?
Personal loan amounts start at $2,000 and go up to $30,000
What is the maximum loan term you can get with Citi® Personal Loans?
Citi® Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $2000 - $30000 |
| Loan Term | 12 - 60 months |
| APR | 9.99% - 17.49%** |
What fees does Citi® Personal Loans charge?
Does Citi® Personal Loans charge an origination fee?
Citi® Personal Loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Citi® Personal Loans charge a late fee?
No, Citi® Personal Loans will not charge you a late fee if you miss payments.
Does Citi® Personal Loans charge prepayment fees?
No, Citi® Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 0% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Citi® Personal Loans?
Applicants with a credit score that ranges above 740 may be eligible for Citi® Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. The minimum is 21 in Puerto Rico. Citi® Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Citi® Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Bank account information
- Government issued photo ID
- Proof of citizenship or residence permit
- U.S. tax identification number
| Minimum Age | 18 (The minimum is 21 in Puerto Rico.) |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | Starting at 740 |
Does Citi® Personal Loans report your account activity to credit bureaus?
Yes, Citi® Personal Loans reports to the following credit bureaus:
- 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 build your credit.
Does Citi® perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Citi® Personal Loans allows you to check your rates with a soft credit pull.
Are Citi® Personal Loans legit?
Citi® was founded in 1812, it is a well-established company that has been in business for 214 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Citi® Personal Loans Disclosure: **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 of age in Puerto Rico). Co-applicants are not permitted. Existing Citi credit card customers who have been a Citi customer for less than 12 months and do not have a Citi deposit account 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. Rates as of 02-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Citi offers personal loans with a period of repayment between 12 and 60-month terms. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52. Existing Citi banking Relationship Tier customers will receive an additional 0.25% discount to the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice. 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 have an impact on your credit score. Citi® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citi.com/affiliatesproducts for a list of Citi products and affiliates. Once approved, Citibank can deposit funds directly into an existing Citibank account the same business day, or within 2 business days when deposited to an external bank account, provided the bank account has not been recently opened. In such instances, Citi reserves the right to reject the bank account as the disbursing account for personal loan funds, and you can select another bank account or select to receive a check by mail, which is delivered generally within 5 business days. Eligibility for a loan amount of up to $50,000 is exclusively limited to customers holding Citi credit cards or eligible Citi checking and savings accounts. Loan approval is subject to Citi's standard credit underwriting criteria and other terms and conditions. Personal loans are made available by Citibank, N.A., Equal Housing lender.
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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 Citi® Personal Loans
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM
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