Skip to main content
Select Your Residential State
Please select your state
There are some errors on this page.
  • Please enter your state.
  • Product offerings may differ among geographic locations. By selecting your state of residence, you'll be shown the specific terms and rates that will apply to your new account.

    Please note: If you choose to cancel this process, you may be redirected to a page other than the one you requested.

    Skip to main summary
    For loans $30,000 and under Apply Online for Personal Loan

    How to Qualify

    To qualify for a Personal Loan, you must have a Citibank Checking, Savings, Money Market, or CD account with a month-end balance greater than $0 averaged over the past three months. You may have a maximum of two Personal Loan accounts with Citibank at one time, and your most recent Personal Loan account may not have been originated within the past 6 months.

    You must also have an annual income of at least $10,500.

    • Quick, easy processing and approval. Once approved, a check for the approved amount will be mailed to you within 5 business days. Want an even lower rate? Simply use Auto Deduct

      Citibank Auto Deduct

      Auto Deduct makes making payments easy—the required payment on your Citibank loan or line of credit is automatically deducted from your selected checking, savings or money market account.

      Does not deduct any Past Due Amounts or Fees/Charges that are reflected as due on your loan or line of credit statement (you are responsible for making these payments).

      to repay your personal loan.

    Competitive RatesFootnote 1

    Get a fixed rate ranging from 7.99% APR - 17.99% APR (assumes $10,000 loan).

    Flexible Financing

    Loans range from $2,000 to $50,000. You'll get a lump sum payout, and you can repay your loan over 12, 24, 36, 48 or 60 months.

    Relationship RewardsFootnote 2

    A personal loan account can help you earn monthly ThankYou® Points when it is linked to an eligible checking accountFootnote 2 enrolled in Citi ThankYou® Rewards.

    To learn how you can earn rewards for your banking relationshipFootnote 2, Earn rewards for your banking relationships.(2) Learn

    You are viewing Rates and Terms & Conditions applicable to a state other than where you live. These Rates and Terms & Conditions may differ from those applicable to your state of residence and will not apply to new accounts you open online. When you open your new account online, Rates and Terms & Conditions will be determined by your state of residence.

    Select Continue to proceed or choose Cancel to modify your selection.

    Share Your Screen With A Phone Representative

    During your call, you may be asked to share your screen for a faster, more efficient experience. If you agree, the phone representative you're speaking with will give you a Service Code to enter below.

    If you need assistance from a Citi representative, contact us via chat or phone