Citi Personal Loan

Citi publishes the lowest ceiling on this list. Its personal loan APR runs from 10.24% to 18.49% as of September 29, 2026, including a 0.25% discount for automatic payments, with no origination fees, no late fees and no prepayment penalty. Loans run from $2,000 to $30,000 over 12 to 60 months, and existing Citi customers with an eligible checking or savings account, or a Citi credit card, may qualify for up to $50,000. The floor is high and conditional: the lowest rate assumes excellent credit and a 36 or 48 month term. Citi banking Relationship Tier customers and some card relationships may get an additional APR discount, and only the highest discount applies. Citi's own example: borrowing $10,000 for 36 months at a 15.99% APR means 36 monthly payments of about $351.52. Once approved, most customers get funds the same business day if the money goes to a Citi bank account, or within 2 business days to another bank. Citi's limits are the cost of that clean price. Co-applicants are not permitted, and existing Citi credit card customers who have been a customer for less than 12 months and have no Citi deposit account are not eligible. The minimum age is 18, or 21 in Puerto Rico. Checking your rate uses a soft inquiry, and a full application uses a hard one. Citi publishes no minimum credit score.