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Student Loan Refinancing
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Last Updated: 04/18/2025

Citizens Bank Student Loan Refinance

in Student Loan Refinancing from Citizens Bank

Last Updated: 04/18/2025

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Get Competing Student Loan Refinancing Offers

Compare student loan refinancing offers from multiple vetted lenders.

Compare student loan refinancing offers from multiple vetted lenders.

Discover your lowest eligible rate in minutes.

Discover your lowest eligible rate in minutes.

See how much you qualify for and what your monthly payment will be.

See how much you qualify for and what your monthly payment will be.

Get Personalized Rates

It's quick, easy, and won't hurt your credit score.

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Highlights

Fixed APR

4.40% - 12.04%
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Variable APR

1.95% - 10.13%
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Amount Range

$1,000 - $350,000
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Loan Term (Years)

5 - 15
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Citizens Bank Student Loan Refinance Review

Citizens Bank Student Loan Refinance is a student loan refinance offering by Citizens Bank . Founded in 1828, Citizens Bank offers student loan refinancing in 50 states and Washington, DC.

Citizens Bank Student Loan Refinance FAQ

What APRs does Citizens Bank Student Loan Refinance offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate.
Citizens Bank Student Loan Refinance offers variable rate APRs that range from 1.95% to 10.13%.Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 4.40% to 12.04% APR.

How much can you borrow via Citizens Bank Student Loan Refinance?

Loan amounts start at $1,000 and go up to $350,000

Does Citizens Bank Student Loan Refinance charge an origination fee?

No, Citizens Bank Student Loan Refinance does not charge a loan origination fee.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Citizens Bank Student Loan Refinance charge prepayment fees?

Yes, Citizens Bank Student Loan Refinance charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What terms does Citizens Bank Student Loan Refinance offer?

Citizens Bank Student Loan Refinance provides refinancing loans of 5 to 15 years.

What type of borrowers will Citizens Bank Student Loan Refinance consider?

Citizens Bank Student Loan Refinance considers loans applications from:

    What do you need to qualify for Citizens Bank Student Loan Refinance?

    Citizens Bank Student Loan Refinance does not require or does not disclose a credit score minimum.
    Citizens Bank Student Loan Refinance does not have or does not disclose a minimum annual income eligibility requirement.

    What is the estimated funding time for a student loan refinance via Citizens Bank Student Loan Refinance?

    Citizens Bank Student Loan Refinance will typically fund loans within 7 and 14 days of approval.

    Citizens Bank Student Loan Refinance Disclosure: "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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    Contact

    Headquarters

    1 Citizens Plz
    Providence, RI 02903
    (877) 360-2472
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