Citibank Personal Credit: Everything You Need to Know
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Citibank Personal Credit offers no origination fees, fixed APRs from 9.99% to 19.49%, and fast funding with soft prequalification to help you compare offers before applying.
Citibank personal loans offer several advantages that are easy to understand and use.
No Fees
There are no origination fees, no prepayment penalties, and no hidden fees, which reduces the overall cost of borrowing.
Competitive Fixed Rates
Rates start as low as 9.99% APR for well-qualified borrowers and remain fixed over the life of the loan.
Quick Funding
Funds can arrive the same business day to a Citibank account or within two business days to an external account in many cases.
Simple, Unsecured Loans
No collateral is required, which makes the process simpler than secured lending such as a home equity loan.
Relationship Discounts
Existing Citibank customers can qualify for additional APR discounts, which rewards your banking relationship.
Pros
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No Fees
Zero origination fees and no prepayment penalties reduce the cost and remove surprise charges.
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Competitive APR Range
Rates as low as 9.99% APR for qualified borrowers are competitive among large banks.
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Fast Funding
Same-day funding to Citibank accounts speeds up access to cash.
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Soft Pull Prequalification
Checking your rate won't impact your credit score, which helps comparison shopping.
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