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Last Updated: 04/18/2025

Citizens Bank Student Loan Refinance

from Citizens Bank

Last Updated: 04/18/2025

Rating not yet determined2 total votes

1 users recommend

1 users are unsure

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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."

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

Contact

Headquarters

1 Citizens Plz

Providence, RI 02903

(877) 360-2472

Visit Site

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Citizens Bank Student Loan Refinance Community Reviews

Would you recommend Citizens Bank Student Loan Refinance to your friends?

Renee D.

Jan 5, 2022

May or may not recommend

I wouldn't say this is a bad loan service but what I will say is; it is just another student loan service. Citizen goes through Firstmark Services a division of Nelnet. Nelnet already had some of my loans which were split evenly between Federal and Private They were the only service to approve me and only denied one loan, due to a history of delinquency within 90 days (ops). I ...Show More

Lexah H.

Oct 2, 2020

May or may not recommend

I utilized the Citizens Bank's Student Loan Refinancing to consolidate private loans I had taken out for my education. This refinancing option is great because it allows you to refinance loan totals of up to $300k for a Bachelor's education or $500k for a Graduate education. It certainly helped me get a lower interest rate and consolidate multiple loans into one. You can even apply to refinance if you have ...Show More

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