At a Glance
Rates & Fees
Key Features
No origination, late or prepayment fees
Eligible existing Citi customers may qualify for up to $50,000
Soft credit check to view a rate offer
Pros & Cons
Pros
- Published APR cap below many broad-market personal lenders
- Loan terms from 12 to 60 months
- Same-business-day funding possible to an eligible Citi account
Tradeoffs
- Lowest APR assumes excellent credit, a 36- or 48-month term and autopay
- Loans above $30,000 require an eligible existing Citi relationship
- The displayed score is an estimate, not a Citi cutoff
How to Apply
Check your rate with Citi — most personal loan lenders let you pre-qualify with a soft credit check that doesn't affect your credit score.
Compare the estimated APR, term, and monthly payment against at least one other lender before committing.
Gather proof of income, identification, and bank account details for the formal application.
Submit the full application directly on Citi's site; approval typically requires a hard credit inquiry.
If approved, review the final loan agreement for the origination fee and funding time (as soon as same business day to an eligible citi account; external accounts may take 2 business days) before signing.
How It Compares
Current product highlighted| Product | APR Range | Loan Amount | Origination Fee |
|---|---|---|---|
| Citi Personal Loan | 9.99%–17.49% | $2,000–$30,000 | None |
| LightStream Personal Loan | 7.24%–24.89% | $5,000–$100,000 | None |
| SoFi Personal Loan | 6.99%–35.49% | $5,000–$100,000 | None (optional fee for lower rate) |
| LendingClub Personal Loan | 5.96%–35.96% | $1,000–$75,000 | 0–8% |
Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, income, and loan amount — always confirm current terms directly with the lender.