Features

Citizens Bank is a student loans lender based in Providence, RI. It was founded in 1828 and offers student loan refinancing in -1 states across the USA. 

What are the student loan refinancing rates of Citizens Bank?

Citizens Bank offers variable rate APRs that range from 2.77% to 8.62%.
Citizens Bank offers fixed rate APRs that range from 4.74% to 8.24% APR.

What is the minimum student loan amount you can refinance?

Citizens Bank requires borrowers to have a balance of at least $1000 to process a student loan refinance application.

Does Citizens Bank charge an origination fee?

No, Citizens Bank does not charge a loan origination fee.

What terms does Citizens Bank offer?

Citizens Bank provides refinancing loans of 5 to 15 years.

Borrowers can add a cosigner to the loan to either meet eligibility requirements or qualify for lower interest rates.

  • Loan Term (Years)
    5 - 15
  • Min Loan
    $1000
  • Variable APR
    2.77% - 8.62%
  • Fixed APR
    4.74% - 8.24%
  • Cosigner Optional
  • Undergraduate Students
  • Graduate Students
  • Parents of Dependent
  • Grace Period / Deferred Interest
    6
  • No Origination Fee
  • Funding Time Range (in days)
    7 - 14
"Lowest rates shown are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice."
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