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Citibank 2026 Personal Loan Review

Citibank personal loans come with no fees and multiple rate discounts, but you must be a Citi customer to get its full suite of features.

Jackie Veling
Kim Lowe
Jackie Veling
+1
Written by 
Jackie Veling
,  Edited by 
Kim Lowe
Written by 
Jackie Veling
 and 
1 other
Last updated 02/18/2026
Citibank

4.5

NerdWallet Rating

4.5

NerdWallet Rating

Est. APR

9.99 - 17.49%

Min. credit score

Undisclosed

Time to fund

1 day

Loan amount

$2K - $30K

Loan term

1 to 5 years

Disclosures from Citibank

Overview

Citibank offers unsecured personal loans to all customers, though existing Citibank customers with specific accounts receive the most benefits, including larger loan amounts, faster funding and potential rate discounts.

Though Citibank doesn’t disclose its qualification criteria, good- to excellent-credit borrowers (mid-600s credit score or higher) are the most likely to be approved.

» MORE: Compare the best personal loans

Detailed breakdown

Affordability(25%)
4.5/5
We review lenders' annual percentage rate offerings and the competitiveness of each lenders' APR range. We also assess whether a lender charges an origination fee and any opportunity for borrowers to receive a rate discount.
Customer Experience(20%)
4/5
We consider the experience of the consumer trying to manage a personal loan, which means accessibility of customer service representatives, whether borrowers can choose and change their payment due date, and the ability to track their loan on a mobile app.
Underwriting and Eligibility(20%)
4.5/5
We consider the rigorousness of each lender's underwriting practices and how widely available their loans are. This category includes whether a lender does a hard credit check before providing a loan, the range of credit profiles they accept and how many states their loans are offered in.
Loan Flexibility(20%)
3.5/5
We assess how flexible lenders can be with borrowers, including whether they offer multiple loan types, personal loan amounts and repayment term options and whether they offer direct payment to creditors on debt consolidation loans.
Application Process(15%)
5/5
We consider the lender's full application process, including a borrower's ability to preview their loan offer via pre-qualification, whether basic loan information such as APR range and repayment terms are available and easy to find online and how quickly a loan can be funded after approval.
Overall Rating
4.5/5

Read more about our ratings methodology for personal loans.

Where Citibank personal loans stand out

  • Multiple rate discounts: Citibank offers two opportunities to get a discounted annual percentage rate. Borrowers who set up automatic payments at the loan’s origination will receive a 0.50 percentage point discount. Existing Citigold and Citi Priority customers get an additional 0.25 percentage point discount.
  • No fees: Citibank doesn’t charge any fees for its personal loan, including no origination fee, late fee or prepayment fee. Though it’s common for banks not to charge an origination or prepayment fee, it’s much harder to find a lender — bank or otherwise — that doesn’t charge a late fee for missed payments.
  • Soft credit check to pre-qualify: Both Citi customers and non-customers can pre-qualify for a personal loan on Citi’s website. This process lets borrowers preview their potential loan amount, rate, repayment term and monthly payment. Because the process only involves a soft credit pull, borrowers can check their rates with multiple lenders to find the most competitive offer.

Where Citibank personal loans fall short

  • Funding time and loan amounts differ for non-accountholders: Customers with a Citi deposit account can get their funds the same day they’re approved. Non-customers must wait up to two business days to receive funds through direct deposit. Citibank also offers loans up to $50,000 for existing customers with an eligible Citi deposit account or credit card. Otherwise, the maximum loan amount is $30,000.
  • No co-sign, joint or secured loan options: Citibank doesn’t offer joint and co-signed loans or secured loans. These types of loans allow you to add another borrower to your application or secure the loan with collateral, like your car, which can help you get approved for a larger loan amount.
  • No option to choose or change your payment date: Borrowers are given a payment date when they accept a Citibank loan, and that date can't be changed. The option to change your payment date, which is offered by some other lenders, is useful if you get a new payday or want to balance the loan with other monthly obligations.

How to qualify

To apply for a Citibank personal loan, borrowers in the U.S. must be at least 18 years old, or at least 21 in Puerto Rico. Co-applicants are not permitted.

Citibank doesn't publicly disclose many of its borrower requirements, but the majority of borrowers who get a personal, small business or other type of loan have FICO scores of 660 or higher, according to a quarterly filing with the Securities and Exchange Commission.

Citibank personal loans are available in all 50 states, Washington, D.C. and Puerto Rico.

» MORE: How to get a personal loan

Compare Citibank to the best personal loans

Personal loan lenders offer different rates, loan amounts and special features, so it pays to weigh other options. The best personal loan is usually the one with the lowest APR.

Citibank

4.5

Lightstream

4.5

Lending Club

5.0

SoFi

4.5

EST. APR

9.99-17.49%

EST. APR

6.49-24.89%

EST. APR

6.53-35.99%

EST. APR

8.74-35.49%

LOAN AMOUNT

$2K-$30K

LOAN AMOUNT

$5K-$100K

LOAN AMOUNT

$1K-$60K

LOAN AMOUNT

$5K-$100K

MIN. CREDIT SCORE

Undisclosed

MIN. CREDIT SCORE

660

Get My Rate

MIN. CREDIT SCORE

600

Get My Rate

MIN. CREDIT SCORE

None

Get My Rate