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Citibank Personal Loan

About Citibank Personal Loans

The Citibank Personal Loan from Citibank is one of the top-rated Personal Loans options evaluated on MoneyCompared, earning an overall product score of 8.3/10. Zero-fee personal loan from Citibank offering up to $30,000 with same-day funding into a Citi account and rate discounts for Autopay and Citigold.

Key highlights include 10.49% - 19.49% Fixed APR, a fee structure of $0 Origination Fee, $0 Late Fee, $0 Prepayment Fee, and 0.50% Autopay Discount + 0.25% Citigold/Citi Priority Discount. Accounts are backed by Fixed Monthly Payments + Same-Day Citi Funding and supported by Citibank's 4.8 / 5.0-rated digital banking experience.

Features

Annual Fee	$0 Origination Fee, $0 Late Fee, $0 Prepayment Fee
Regular APR / Rate	10.49% - 19.49% Fixed APR
Intro Offer / Welcome Bonus	0.50% Autopay Discount + 0.25% Citigold/Citi Priority Discount
Savings APY / AER	Loans from $2,000 to $30,000 over 12 to 60 Months
Minimum Deposit	$2,000 Minimum Loan Amount
Foreign Transaction Fee	N/A (U.S. USD Loan)
Deposit Insurance	Fixed Monthly Payments + Same-Day Citi Funding
Mobile App Rating	4.8 / 5.0
Overall Rating	8.3 / 10

About Product

Annual / Monthly Fee: $0 Origination Fee, $0 Late Fee, $0 Prepayment Fee
APR / APY Rate: 10.49% - 19.49% Fixed APR
Intro Offer / Bonus: 0.50% Autopay Discount + 0.25% Citigold/Citi Priority Discount
Key Benefits: Loans from $2,000 to $30,000 over 12 to 60 Months
Minimum Requirement: $2,000 Minimum Loan Amount
Foreign Transaction Fee: N/A (U.S. USD Loan)
Protection: Fixed Monthly Payments + Same-Day Citi Funding

Pros

Rate / APR / APY: 10.49% - 19.49% Fixed APR
Fee Structure: $0 Origination Fee, $0 Late Fee, $0 Prepayment Fee
Welcome Offer / Benefit: 0.50% Autopay Discount + 0.25% Citigold/Citi Priority Discount
Rewards & Highlights: Loans from $2,000 to $30,000 over 12 to 60 Months

Cons