Citibank Personal Loans Review (November 2024)

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<script type="application/ld+json" id="article-schema">{ "@context": "https:\/\/schema.org", "@type": "Article", "publisher": { "@type": "Organization", "name": "MarketWatch - Guides" }, "name": "Citibank Personal Loans Review", "headline": "Citibank Personal Loans Review (November 2024)", "description": "Explore rates, benefits and terms in our comprehensive review of Citibank personal loans and make an informed borrowing decision today.", "image": "https:\/\/d2tez01fe91909.cloudfront.net\/wp-content\/uploads\/2024\/01\/citibankAdobeStock_533932656_Editorial_Use_Only-scaled.jpeg", "datePublished": "2024-01-30T10:47:34-05:00", "dateModified": "2024-09-28T14:43:00-04:00", "author": [ { "@type": "Person", "name": "Trea S. 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class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/life-insurance/mutual-of-omaha-life-insurance-review/" class="category-subcategory-link"> Mutual of Omaha Life Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/life-insurance/massmutual-life-insurance-review/" class="category-subcategory-link"> MassMutual Life Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/life-insurance/state-farm-life-insurance-review/" class="category-subcategory-link"> State Farm Life Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/life-insurance/ethos-life-insurance-review/" class="category-subcategory-link"> Ethos Life Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/life-insurance/trustage-life-insurance-review/" class="category-subcategory-link"> TruStage Life Insurance Review </a> </span> </div> </div> <a href="https://www.marketwatch.com/guides/insurance-services" class="vertical-link"> View all Insurance resources </a> </div> </div> <div id="mobile-menu-insurance-services-494" class="category" data-back-label="Insurance"> <strong class="category-title">Travel Insurance</strong> <div class="category-subcategories"> <div class="category-subcategory"> <strong class="category-subcategory-title">Travel Insurance Articles</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/best-travel-insurance/" class="category-subcategory-link"> Best Travel Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/travel-medical-insurance/" class="category-subcategory-link"> Travel Medical Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/cheap-travel-insurance/" class="category-subcategory-link"> Cheap Travel Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/senior-travel-insurance/" class="category-subcategory-link"> Senior Travel Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/best-cruise-insurance/" class="category-subcategory-link"> Best Cruise Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/annual-travel-insurance/" class="category-subcategory-link"> Annual Travel Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/travel-insurance-cost/" class="category-subcategory-link"> Travel Insurance Cost </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/health-insurance-for-visitors-to-usa/" class="category-subcategory-link"> Health Insurance for Visitors to USA </a> </span> </div> </div> <div class="category-subcategory"> <strong class="category-subcategory-title">Reviews of Top Travel Insurance Providers</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/faye-travel-insurance-review/" class="category-subcategory-link"> Faye Travel Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/travelex-travel-insurance-review/" class="category-subcategory-link"> Travelex Travel Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/generali-travel-insurance-review/" class="category-subcategory-link"> Generali Global Travel Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/trawick-international-travel-insurance-review/" class="category-subcategory-link"> Trawick International Travel Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/travel-insurance/nationwide-travel-insurance-review/" class="category-subcategory-link"> Nationwide Travel Insurance Review </a> </span> </div> </div> <a href="https://www.marketwatch.com/guides/insurance-services" class="vertical-link"> View all Insurance resources </a> </div> </div> <div id="mobile-menu-insurance-services-116" class="category" data-back-label="Insurance"> <strong class="category-title">Home Insurance</strong> <div class="category-subcategories"> <div class="category-subcategory"> <strong class="category-subcategory-title">Home Insurance Articles</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/best-homeowners-insurance-companies/" class="category-subcategory-link"> Best Homeowners Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/cheapest-homeowners-insurance-companies/" class="category-subcategory-link"> Cheapest Homeowners Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/best-mobile-home-insurance/" class="category-subcategory-link"> Best Mobile Home Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/high-risk-homeowners-insurance/" class="category-subcategory-link"> High-Risk Homeowners Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/homeowners-insurance-for-veterans/" class="category-subcategory-link"> Home Insurance for Veterans </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/homeowners-insurance-california/" class="category-subcategory-link"> Homeowners Insurance California </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/home-insurance-quotes/" class="category-subcategory-link"> Home Insurance Quotes </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/average-home-insurance-cost/" class="category-subcategory-link"> Average Home Insurance Cost </a> </span> </div> </div> <div class="category-subcategory"> <strong class="category-subcategory-title">Reviews of Top Home Insurance Providers</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/lemonade-home-insurance-reviews/" class="category-subcategory-link"> Lemonade Home Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/auto-owners-home-insurance-review/" class="category-subcategory-link"> Auto Owners Home Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/state-farm-home-insurance-reviews/" class="category-subcategory-link"> State Farm Home Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/erie-home-insurance-review/" class="category-subcategory-link"> Erie Home Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/allstate-home-insurance-reviews/" class="category-subcategory-link"> Allstate Home Insurance Review </a> </span> </div> </div> <a href="https://www.marketwatch.com/guides/insurance-services" class="vertical-link"> View all Insurance resources </a> </div> </div> <div id="mobile-menu-insurance-services-142" class="category" data-back-label="Insurance"> <strong class="category-title">Renters Insurance</strong> <div class="category-subcategories"> <div class="category-subcategory"> <strong class="category-subcategory-title">Renters Insurance Articles</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/best-renters-insurance-companies/" class="category-subcategory-link"> Best Renters Insurance Companies </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/cheapest-renters-insurance/" class="category-subcategory-link"> Cheapest Renters Insurance </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/how-much-is-renters-insurance/" class="category-subcategory-link"> Renters Insurance Cost </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/renters-insurance-florida/" class="category-subcategory-link"> Renters Insurance Florida </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/renters-insurance-california/" class="category-subcategory-link"> Renters Insurance California </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/renters-insurance-virginia/" class="category-subcategory-link"> Renters Insurance Virginia </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/is-renters-insurance-worth-it/" class="category-subcategory-link"> Is Renters Insurance Worth It? </a> </span> </div> </div> <div class="category-subcategory"> <strong class="category-subcategory-title">Reviews of Top Renters Insurance Providers</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/lemonade-renters-insurance-reviews/" class="category-subcategory-link"> Lemonade Renters Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/toggle-renters-insurance-reviews/" class="category-subcategory-link"> Toggle Renters Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/state-farm-renters-insurance/" class="category-subcategory-link"> State Farm Renters Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/progressive-renters-insurance-review/" class="category-subcategory-link"> Progressive Renters Insurance Review </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/insurance-services/allstate-renters-insurance-reviews/" class="category-subcategory-link"> Allstate Renters Insurance Review </a> </span> </div> </div> <a href="https://www.marketwatch.com/guides/insurance-services" class="vertical-link"> View all Insurance resources 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Compare its offer to other personal loan lenders to help ensure you make the best decision for your finances.</p> </div> </div> </div> </div> <div class="c-article-overview with-background"> <div class="wrapper"> <div class="bar with-dropdown"> <div class="authors"> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Trea-Branch-150x150.png" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Trea-Branch-150x150.png.webp" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Trea-Branch-150x150.png" class="attachment-38x38 size-38x38" alt="" loading="lazy" decoding="async" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Written by</span> <span class="author-name"> <a href="https://www.marketwatch.com/guides/authors/trea-s-branch/" target="_blank" class="author-name"> Trea S. 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Branch" title="Learn more about Trea S. Branch" class="c-link "> Learn more about Trea S. Branch</a> </div> <span> <span class="author-box-prefix">Written by</span> <a class="author-box-name" href="https://www.marketwatch.com/guides/authors/trea-s-branch/" target="_blank">Trea S. Branch</a> <span class="author-box-roles">Contributing Writer</span> </span> </span> <span class="author-box-description"><p><span style="font-weight: 400;">Trea S. Branch is a personal finance writer based in Chicago. She has an M.B.A. from the University of Notre Dame, and her work has been featured in the Associated Press and several financial publications.</span></p> </span> </span> </span> </div> </div> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg.webp" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" class="attachment-38x38 size-38x38" alt="" loading="lazy" decoding="async" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Edited by</span> <span class="author-name"> <a href="https://www.marketwatch.com/guides/authors/kelly-larson/" target="_blank" class="author-name"> Kelly Larson </a> <span class="c-author-box"> <span class="author-box-top"> <div class="c-picture author-box-photo"> <img width="65" height="65" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-65x65 size-65x65 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg.webp" /><noscript><img width="65" height="65" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" class="attachment-65x65 size-65x65" alt="" loading="lazy" decoding="async" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/kelly-larson/" aria-label="Learn more about Kelly Larson" title="Learn more about Kelly Larson" class="c-link "> Learn more about Kelly Larson</a> </div> <span> <span class="author-box-prefix">Edited by</span> <a class="author-box-name" href="https://www.marketwatch.com/guides/authors/kelly-larson/" target="_blank">Kelly Larson</a> <span class="author-box-roles">Senior Editor</span> </span> </span> <span class="author-box-description"><p><span style="font-weight: 400;">Kelly Larson is a senior editor with 14 years of experience creating and optimizing data-driven, reader-focused digital content. Kelly enjoys running and exploring the outdoors with his sons.</span></p> </span> </span> </span> </div> </div> </div> <button class="dropdown-trigger" aria-expanded="false" aria-controls="article-authors-dropdown"> <span> Our Research Process <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </span> </button> </div> </div> <div id="article-authors-dropdown" class="dropdown " > <div class="mobile-authors"> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg.webp" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" class="attachment-38x38 size-38x38" alt="" loading="lazy" decoding="async" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Edited by</span> <span class="author-name"> <a href="https://www.marketwatch.com/guides/authors/kelly-larson/" target="_blank" class="author-name"> Kelly Larson </a> <span class="c-author-box"> <span class="author-box-top"> <div class="c-picture author-box-photo"> <img width="65" height="65" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-65x65 size-65x65 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg.webp" /><noscript><img width="65" height="65" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" class="attachment-65x65 size-65x65" alt="" loading="lazy" decoding="async" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/kelly-larson/" aria-label="Learn more about Kelly Larson" title="Learn more about Kelly Larson" class="c-link "> Learn more about Kelly Larson</a> </div> <span> <span class="author-box-prefix">Edited by</span> <a class="author-box-name" href="https://www.marketwatch.com/guides/authors/kelly-larson/" target="_blank">Kelly Larson</a> <span class="author-box-roles">Senior Editor</span> </span> </span> <span class="author-box-description"><p><span style="font-weight: 400;">Kelly Larson is a senior editor with 14 years of experience creating and optimizing data-driven, reader-focused digital content. Kelly enjoys running and exploring the outdoors with his sons.</span></p> </span> </span> </span> </div> </div> </div> <hr /> <div class="additional-information"> <div class="content"> <div class="title">Our Research Process</div> <div class="text wysiwyg"> <p>Here’s a breakdown of how we reviewed and rated top personal loan providers</p> <a href="https://www.marketwatch.com/guides/reviews-team/" aria-label="Learn more about Marketwatch Guides" title="Learn more about Marketwatch Guides" class="c-link "> Learn more about Marketwatch Guides</a> </div> </div> <div class="stats"> <div class="stat"> <span class="value">33</span> <span class="description"> Providers <span class="description-last-word"> Rated <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">Our team researched more than two dozen of the country’s most popular personal lenders, including large online companies like SoFi, big banks like Wells Fargo, and peer-to-peer lenders like Upstart.</div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">660</span> <span class="description"> Data Points <span class="description-last-word"> Analyzed <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">To create our rating system, we analyzed each personal loan company’s disclosures, licensing documents, marketing materials, sample loan agreements and websites to understand their loan offerings and terms. </div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">41</span> <span class="description"> Loan Features <span class="description-last-word"> Tracked <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">Our team regularly collects data on each company’s loan offerings and terms, such as minimum and maximum loan amounts, origination fees and discounts.</div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">17</span> <span class="description"> Professionals <span class="description-last-word"> Consulted <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">Before we began our research process, we consulted with financial advisors and industry experts to ensure our evaluations covered the banking product aspects that matter most to potential customers. </div> </span> </div> </span> </span> </div> </div> </div> </div> </div> <div class="c-article-body"> <div class="wrapper"> <nav class="c-toc-sidebar"> <strong class="toc-heading">In this Guide:</strong> <button class="toc-toggler"> <span class="c-toc-tracker"> <svg viewBox="0 0 17 13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0.5 1.37996C0.5 1.29509 0.533714 1.2137 0.593724 1.15369C0.653735 1.09368 0.735127 1.05997 0.819995 1.05997H14.8998C14.9846 1.05997 15.066 1.09368 15.126 1.15369C15.1861 1.2137 15.2198 1.29509 15.2198 1.37996C15.2198 1.46483 15.1861 1.54622 15.126 1.60623C15.066 1.66624 14.9846 1.69996 14.8998 1.69996H0.819995C0.735127 1.69996 0.653735 1.66624 0.593724 1.60623C0.533714 1.54622 0.5 1.46483 0.5 1.37996ZM0.819995 6.81988H6.5799C6.66477 6.81988 6.74616 6.78616 6.80618 6.72615C6.86619 6.66614 6.8999 6.58475 6.8999 6.49988C6.8999 6.41501 6.86619 6.33362 6.80618 6.27361C6.74616 6.2136 6.66477 6.17989 6.5799 6.17989H0.819995C0.735127 6.17989 0.653735 6.2136 0.593724 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</span> </button> <div class="c-toc-items columns-1"> <a href="#toc-our-thoughts-on-citibank-personal-loans" class=" active" data-text="Our Thoughts on Citibank Personal Loans">Our Thoughts on Citibank Personal Loans</a> <a href="#toc-pros-and-cons-of-citibank-personal-loans" class=" " data-text="Pros and Cons of Citibank Personal Loans">Pros and Cons of Citibank Personal Loans</a> <a href="#toc-who-are-citibank-personal-loans-best-for" class=" " data-text="Who Are Citibank Personal Loans Best For?">Who Are Citibank Personal Loans Best For?</a> <a href="#toc-how-to-get-a-citibank-loan" class=" " data-text="How To Get a Citibank Loan">How To Get a Citibank Loan</a> <a href="#toc-citibank-personal-loans-reviews" class=" " data-text="Citibank Personal Loans Reviews">Citibank Personal Loans Reviews</a> <a href="#toc-eligibility-requirements" class=" " data-text="Eligibility Requirements">Eligibility Requirements</a> <a href="#toc-usage-rules" class=" " data-text="Usage Rules">Usage Rules</a> <a href="#toc-fees-and-penalties" class=" " data-text="Fees and Penalties">Fees and Penalties</a> <a href="#toc-how-citibank-compares-to-other-lenders" class=" " data-text="How Citibank Compares to Other Lenders">How Citibank Compares to Other Lenders</a> <a href="#toc-the-bottom-line" class=" " data-text="The Bottom Line">The Bottom Line</a> <a href="#toc-how-we-rate-citibank-personal-loans" class=" " data-text="How We Rate Citibank Personal Loans">How We Rate Citibank Personal Loans</a> </div> </nav> <div class="gutenberg-wrapper"> <div class="gutenberg"> <section class="b-more-articles"> <div class="wrapper"> <button aria-expanded="false" aria-controls="6749e655377a4-articles"> <span> Related Resources <i></i> </span> </button> <div id="6749e655377a4-articles" class="articles" style="display: none"> <a href="https://www.marketwatch.com/guides/personal-loans/best-personal-loans/" target="_blank" class="article">Best Personal Loans</a> <a href="https://www.marketwatch.com/guides/personal-loans/personal-loan-rates/" target="_blank" class="article">Best Personal Loan Rates</a> <a href="https://www.marketwatch.com/guides/personal-loans/lightstream-personal-loans/" target="_blank" class="article">LightStream Personal Loans Review</a> <a href="https://www.marketwatch.com/guides/personal-loans/sofi-personal-loans/" target="_blank" class="article">SoFi Personal Loans Review</a> </div> </div> </section> <p></p> <div class="ad-widget-block" id="threes-cta-widget-block-block_c6a4a9e8b401efd8f0d2f8869a44a986"> <style>.custom-code-widget .brand-panel-disclosure{display:grid;grid-auto-flow:column;align-items:center;gap:5px;width:fit-content;margin-top:5px;margin-left:auto;font-size:14px}.custom-code-widget .brand-panel-disclosure-trigger{position:relative;z-index:10}.custom-code-widget .brand-panel-disclosure-trigger svg{width:.5em}.custom-code-widget .brand-panel-disclosure-trigger:hover .brand-panel-disclosure-text{top:calc(100% + 13px);visibility:visible;opacity:1}.custom-code-widget .brand-panel-disclosure-text{position:absolute;top:calc(100% + 18px);right:-10px;width:max-content;max-width:290px;padding:15px;visibility:hidden;opacity:0;background:#fff;font-size:16px;border-top:1px solid var(--button-background-color);box-shadow:0 0 15px rgba(0,0,0,.15);text-align:left;transition-property:top,visibility,opacity;transition-duration:.2s}.custom-code-widget .brand-panel-disclosure-text::before{content:"";position:absolute;top:-10px;right:4px;z-index:-1;width:17px;height:10px;clip-path:polygon(50% 0,100% 100%,0 100%);background:var(--button-background-color)}@media (min-width:1420px){.custom-code-widget .brand-panel-disclosure-text,.custom-code-widget .brand-panel-disclosure-text::before{right:auto;left:50%;transform:translateX(-50%)}}</style><div class="custom-code-widget" id="widget-wrapper-109165_1"> <div id="personal-loans-rates-table-shortened"> </div> <script type="pmdelayedscript" data-cfasync="false" data-no-optimize="1" data-no-defer="1" data-no-minify="1"> var script = document.createElement('script'); script.type = "text/javascript"; script.addEventListener("load", function(event) { CredibleSDK.initWidget('#personal-loans-rates-table-shortened', { environment: 'production', product: { marketplace: 'personal-loan', type: 'rate-table', variation: 'shortened', }, ui: { customStyles: { primaryColor: '#3ba14a', secondaryColor: '#3ba14a', } }, analytics: { source: 'threeships', }, }) }); script.src = "https://sdk.credible.com/sdk.js"; document.getElementsByTagName('head')[0].appendChild(script); </script></div> </div> <p></p> <h2 class="wp-block-heading" id="toc-our-thoughts-on-citibank-personal-loans">Our Thoughts on Citibank Personal Loans</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><b>MarketWatch Rating:</b><span style="font-weight: 400;"> 4.1 out of 5 stars</span></p> <p><span style="font-weight: 400;">Citibank, or Citi, offers personal loans to new and existing customers. Borrowers can use them to consolidate debt, cover emergency expenses or make large purchases.</span></p> <p><span style="font-weight: 400;">A Citi personal loan doesn’t have the most competitive rates or the most flexible loan terms, but it could be a suitable option for existing Citibank customers. If you don’t already have a bank account with Citi, you’ll need to open one before applying. The company offers multiple discounts that could make it a viable loan option if you need money fast.</span></p> <p><span style="font-weight: 400;">The lowest annual percentage rate (APR) on a Citibank personal loan is high at 10.49%, compared to lenders like SoFi and PenFed, which serve borrowers with similar credit profiles. Citibank doesn’t allow co-borrowers or co-signers, making it harder for applicants with low to no credit to qualify.</span></p> <p><span style="font-weight: 400;">Citibank personal loans come without prepayment penalties, late payment fees or origination fees. Borrowing options, however, are limited to between $2,000 and $30,000 — less flexibility than the $5,000 to $100,000 offered by LightStream, for example.</span></p> </div></div> <h2 class="wp-block-heading" id="toc-pros-and-cons-of-citibank-personal-loans">Pros and Cons of Citibank Personal Loans</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">Consider these pros and cons of a Citibank personal loan to decide if it can help you reach your financial goals.</span></p> </div></div> <section class="b-pros-and-cons"> <div class="wrapper"> <div class="pros-and-cons columns"> <div class="pros"> <div class="title"><i></i> Pros</div> <div class="pro wysiwyg"><p>Prequalify without impacting your credit score</p> </div> <div class="pro wysiwyg"><p>No fees</p> </div> <div class="pro wysiwyg"><p>Multiple rate discounts, including 0.5% for using autopay and 0.25% for existing Citigold and Citi Priority customers</p> </div> </div> <div class="cons"> <div class="title"><i></i> Cons</div> <div class="con wysiwyg"><p>Must be a Citibank customer to get the best rates</p> </div> <div class="con wysiwyg"><p>Co-applicants are not allowed</p> </div> <div class="con wysiwyg"><p>You can’t use it to consolidate Citibank credit card debt</p> </div> </div> </div> </div> </section> <h2 class="wp-block-heading" id="toc-who-are-citibank-personal-loans-best-for">Who Are Citibank Personal Loans Best For?</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">Existing Citi customers looking to borrow a smaller loan amount may benefit most from this personal loan. All Citibank customers receive an interest rate discount for automatic payments. Citigold and Citi Priority cardholders also get an additional rate discount. Citibank’s loan rates are not the lowest out there, so the rate discounts can help — and Citibank charges no fees on the loan.</span></p> <p><span style="font-weight: 400;">Borrowers with good to excellent credit — or a co-borrower who qualifies — will likely find lower rates with other no-fee lenders, such as LightStream or SoFi.</span></p> <p><span style="font-weight: 400;">Additionally, Citi won’t be <a href="https://www.marketwatch.com/guides/personal-loans/best-personal-loans/">the best personal loan</a> option if you need a large loan. Its maximum loan amount of $30,000 is lower than LightStream’s, SoFi’s, and PenFed’s loan limits. Generally, you can likely find more flexibility in how much you borrow and the length of time to repay with other lenders.</span></p> </div></div> <h2 class="wp-block-heading" id="toc-how-to-get-a-citibank-loan">How To Get a Citibank Personal Loan</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">There are a few ways to apply for a Citibank loan. The process is simple and funding is fast — within two business days, if approved.</span></p> <h3 class="wp-block-heading subheading">Application Process</h3> <p><span style="font-weight: 400;">Apply for a Citibank personal loan by completing an application online, over the phone or in-person at a Citibank branch. To see what interest rates you qualify for, you’ll first submit personal information and basic loan details, such as the amount and how you intend to use it. This prequalification process takes only a few minutes and will trigger a soft credit check that does not impact your credit score.</span></p> <p><span style="font-weight: 400;">If you’re preapproved and find a loan option that meets your needs, select the offer and complete the application. Throughout the process, Citi may ask you to submit documents that verify your identity and income, so having copies of your driver’s license and recent pay stubs can help expedite approval. Submitting the application will institute a hard credit check as Citibank reviews your credit history, which could cause your credit score to drop slightly.</span></p> <h3 class="wp-block-heading subheading">Approval and Funding</h3> <p><span style="font-weight: 400;">A Citibank loan can be approved as soon as the same day or up to seven business days. How quickly you’re approved could depend on the complexity of your application (for example, if you’re self-employed versus working for an employer) and whether you filled out the application accurately and submitted all required documents. If approved, you can get your money within two business days if it’s deposited into a <a href="https://www.marketwatch.com/guides/checking/best-checking-accounts/">checking account</a> — sooner if it’s sent to a Citibank deposit account.</span></p> <p><span style="font-weight: 400;">To ensure a fast and smooth approval process, look out for follow-up requests from Citibank in your inbox and try to respond quickly. You can contact their customer service group if you have questions throughout the process.</span></p> </div></div> <h2 class="wp-block-heading" id="toc-citibank-personal-loans-reviews">Citibank Personal Loans Reviews</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">Many Citibank borrowers highlighted the simplicity of the online personal loan application process. Interest rates were competitive for some and a bit high for others. Reviewers also cited transparent loan offers and responsive customer service.</span></p> <blockquote class="wp-block-quote is-style-default"> <p><span style="font-weight: 400;">“</span><em><span style="font-weight: 400;">We have an online account and it was easy to do this without visiting a branch. However, we’d only financed a small amount ($20K) so don’t know if that affected things. The rates were competitive and quick response times.</span></em><span style="font-weight: 400;">”</span></p> <p><span style="font-weight: 400;">— </span><a href="https://bestcompany.com/loans/company/citibank" target="_blank" rel="noreferrer noopener nofollow"><span style="font-weight: 400;">Steve</span></a><span style="font-weight: 400;">, Portland, Ore., January 2023, Best Company</span></p> </blockquote> <blockquote class="wp-block-quote is-style-default"> <p><span style="font-weight: 400;">“</span><em><span style="font-weight: 400;">I previously had a personal loan with CitiBank. I needed the money for bill consolidation. The application process was easy and I received a quick approval. The interest rate was a little high but CitiBank was up front and honest about the terms. The customer service was excellent. I was always able to get an answer quickly and the representatives were knowledgeable and cordial.</span></em><span style="font-weight: 400;">”</span></p> <p><span style="font-weight: 400;">— </span><a href="https://bestcompany.com/loans/company/citibank" target="_blank" rel="noreferrer noopener nofollow"><span style="font-weight: 400;">Matthew L.</span></a><span style="font-weight: 400;">, San Diego, 2022, Best Company</span></p> </blockquote> <p><span style="font-weight: 400;">A significant number of reviews point to subpar customer service. However, these include customer reviews for Citi’s other products, like credit cards and checking and savings accounts. In many cases, borrowers could not easily talk to a live representative to resolve their issues. Other customers experienced delays in the application process.</span></p> <blockquote class="wp-block-quote is-style-default"> <p><span style="font-weight: 400;">“</span><em><span style="font-weight: 400;">Sometimes you need to talk to a person and for that I would give them ONE star. You have to go through sooooo many prompts you can forget where you are…it is absolutely endless. Plus, I was told the other day by a citibank phone rep the only way you can speak to a rep in the US is to physically go to a branch, which is absolutely unacceptable.</span></em><span style="font-weight: 400;">”</span></p> <p><span style="font-weight: 400;">— </span><a href="https://www.trustpilot.com/review/www.citi.com" target="_blank" rel="noreferrer noopener nofollow"><span style="font-weight: 400;">Bek</span></a><span style="font-weight: 400;">, U.S., October 2023, Trustpilot</span></p> </blockquote> <blockquote class="wp-block-quote is-style-default"> <p><span style="font-weight: 400;">“</span><em><span style="font-weight: 400;">I applied for a personal loan from Citi Bank about 3 years ago and they gave me my paperwork with my loan details on it and then it took 4 days for me to get the loan after being told it would be the next business day. They also changed my interest rate about 2 months into the loan.</span></em><span style="font-weight: 400;">”</span></p> <p><span style="font-weight: 400;">— </span><a href="https://bestcompany.com/loans/company/citibank" target="_blank" rel="noreferrer noopener nofollow"><span style="font-weight: 400;">Amanda G.</span></a><span style="font-weight: 400;">, Illinois, July 2023, Best Company</span></p> </blockquote> <p><span style="font-weight: 400;">Citibank did not respond to a request for comment.</span></p> </div></div> <h2 class="wp-block-heading" id="toc-eligibility-requirements">Eligibility Requirements for Citibank Personal Loans</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">Borrowers with fair to <a href="https://www.marketwatch.com/guides/personal-loans/personal-loan-with-good-credit/" data-type="link" data-id="https://www.marketwatch.com/guides/personal-loans/personal-loan-with-good-credit/">good credit</a> could be eligible for a Citibank personal loan.</span></p> <h3 class="wp-block-heading subheading">Credit Score and Financial History</h3> <p><span style="font-weight: 400;">Citibank looks for applicants with a minimum credit score of 680. Generally, the higher your score, the more confident a lender will be in your ability to repay the loan. The longer your history of open accounts in good standing, the higher your score could be. On the other hand, having a history of late payments or delinquent accounts — or even having little to no credit at all — could make it harder to qualify for a personal loan. You can try resolving delinquencies on your report and improving your score before applying for a Citibank loan.</span></p> <h3 class="wp-block-heading subheading">Income and Employment</h3> <p><span style="font-weight: 400;">Citibank will likely review your annual earnings and current employment information to determine if you have sufficient income to take on a personal loan. Many lenders, like Citibank, will evaluate your debt-to-income (DTI) ratio, which measures your monthly income against your monthly debt obligations. The lower your DTI, the more likely you are to be approved. A high DTI may signal to a lender that you’ll struggle to repay the loan.</span></p> <p><span style="font-weight: 400;">Citibank recommends a DTI of 35% or less — meaning debt payments take up 35% or less of your monthly income. You can improve your DTI by increasing your income and paying down current debts.</span></p> </div></div> <h2 class="wp-block-heading" id="toc-usage-rules">Citibank Personal Loans Usage Rules</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">You can use a Citibank personal loan for various expenses like home improvement, <a href="https://www.marketwatch.com/guides/personal-loans/debt-consolidation-loan/">debt consolidation</a> and major purchases, to name a few. Borrowers often take out a loan to cover unexpected, urgent costs like <a href="https://www.marketwatch.com/guides/personal-loans/medical-loans/" data-type="link" data-id="https://www.marketwatch.com/guides/personal-loans/medical-loans/">medical expenses</a> and car repairs or to pay down high-interest credit card debt. But you cannot use a Citibank personal loan for postsecondary education expenses or business purposes — this is a common restriction among lenders.</span></p> </div></div> <h2 class="wp-block-heading" id="toc-fees-and-penalties">Citibank Personal Loans Fees and Penalties</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">Personal loans from Citibank don’t have an origination fee, late fee or prepayment penalty.</span></p> <h3 class="wp-block-heading subheading">Loan Origination Fees</h3> <p><span style="font-weight: 400;">Citibank does not charge an </span><a href="https://www.consumerfinance.gov/ask-cfpb/do-personal-installment-loans-have-fees-en-2120/"><span style="font-weight: 400;">origination fee</span></a><span style="font-weight: 400;"> — a fee some lenders charge to service the loan. An origination fee, often listed as a percentage of the loan amount, is subtracted from your loan before it hits your account, taking away from money you may need to cover expenses.</span></p> <h3 class="wp-block-heading subheading">Early Repayment Penalties</h3> <p><span style="font-weight: 400;">There are no penalties for paying off your loan early with Citibank. Some lenders charge a prepayment fee if you pay your loan in full before the end of the term outlined in your loan agreement. If you choose a lender with early repayment fees and want to pay down your loan aggressively, calculate the fee first to see if it’s worth it. </span></p> </div></div> <h2 class="wp-block-heading" id="toc-how-citibank-compares-to-other-lenders">How Citibank Compares to Other Lenders</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">See how Citibank compares to other lenders that offer fast and flexible personal loans. Compare interest rates, repayment terms and features to make the best decision.</span></p> <section class="b-tabs"> <div class="wrapper"> <div class="tabs"> <div class="swiper"> <div class="swiper-button-prev"></div> <div role="tablist" class="tablist swiper-wrapper"> <div class="swiper-slide"> <button role="tab" aria-controls="6749e65556605-tabpanel-0" aria-selected="false" class="tab"> <span class="tab-wrapper"> <span class="tab-title">Citibank vs. LightStream</span> </span> </button> </div> <div class="swiper-slide"> <button role="tab" aria-controls="6749e65556605-tabpanel-1" aria-selected="false" class="tab"> <span class="tab-wrapper"> <span class="tab-title">Citibank vs. SoFi</span> </span> </button> </div> <div class="swiper-slide"> <button role="tab" aria-controls="6749e65556605-tabpanel-2" aria-selected="false" class="tab"> <span class="tab-wrapper"> <span class="tab-title">Citibank vs. PenFed</span> </span> </button> </div> </div> <div class="swiper-button-next"></div> </div> <div id="6749e65556605-tabpanel-0" role="tabpanel" aria-labelledby="6749e65556605-tab-0" class="tabpanel"> <div class="tabpanel-content"> <div class="wysiwyg"> <p>Citibank and <a href="https://www.marketwatch.com/guides/personal-loans/lightstream-personal-loans/">LightStream</a> both offer fast personal loans with no fees. LightStream has higher maximum loan amounts — $100,000 compared to Citibank’s $30,000. You’ll likely qualify for a lower rate with LightStream if you have good to excellent credit. There is, however, no prequalification with LightStream. The only way to see your loan offer is to complete a full application, which will initiate a hard credit check.</p> </div> </div> </div> <div id="6749e65556605-tabpanel-1" role="tabpanel" aria-labelledby="6749e65556605-tab-1" class="tabpanel"> <div class="tabpanel-content"> <div class="wysiwyg"> <p>Like Citibank, <a href="https://www.marketwatch.com/guides/personal-loans/sofi-personal-loans/">SoFi</a> has an autopay discount, among other rate reductions. But SoFi goes a step further, offering its members financial planning, career coaching, unemployment protection and several other perks. Having a lower minimum APR and higher loan amounts also separates SoFi from Citibank.</p> </div> </div> </div> <div id="6749e65556605-tabpanel-2" role="tabpanel" aria-labelledby="6749e65556605-tab-2" class="tabpanel"> <div class="tabpanel-content"> <div class="wysiwyg"> <p>PenFed Credit Union allows applicants to prequalify for their rate without impacting their credit score. But PenFed also offers some of the lowest interest rates among personal loan lenders. It allows you to complete a joint application with a co-borrower. If you can’t qualify for favorable loan terms on your own, applying with a co-applicant may help you get lower rates.</p> </div> </div> </div> </div> </div> </section> </div></div> <h2 class="wp-block-heading" id="toc-the-bottom-line">The Bottom Line</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">A personal loan from Citibank could be a sound option for existing customers who don’t need a large loan. Citibank’s minimum APR is higher than other lenders, but the discounts for autopay and Citi cardholders may offset the higher rates, if only slightly.</span></p> <p>Citibank is also on our list for <a href="https://www.marketwatch.com/guides/savings/best-savings-account/">best savings accounts</a>.</p> </div></div> <h2 class="wp-block-heading" id="toc-how-we-rate-citibank-personal-loans">How We Rate Citibank Personal Loans</h2> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">Our team put together a comprehensive 100-point rating system to evaluate Citibank and other personal loan companies based on factors that mean the most to you, the potential borrower. We then gathered scores of data points from across the industry, analyzing disclosures, licensing documents, sample loan agreements, marketing materials and websites for more than two dozen of the most prominent personal loan companies in the U.S.</span></p> <p><span style="font-weight: 400;">Our rating system takes into account four broad categories. Here’s a brief breakdown of each one.</span></p> <ul> <li><b>Affordability </b><span style="font-weight: 400;">(35%): We gauge how expensive each company’s loans are to pay back, taking into account both interest rates and fees. The highest-scoring lenders will have low minimum and maximum annual percentage rates (APRs) and low or no origination fees.</span></li> <li><b>Loan features</b><span style="font-weight: 400;"> (35%): This category measures the breadth of loan terms available to prospective customers. The most points go to lenders with a wide range of loan lengths, small minimum loans, large maximum loans, and fast funding. </span></li> <li><b>Customer experience</b><span style="font-weight: 400;"> (20%): We review each company’s application, prequalification and customer service policies and procedures to create this category score. The best companies will have simple online applications and multiple ways for customers to get their problems solved.</span></li> <li><b>Company reputation </b><span>(10%): Our team analyzes each company’s Better Business Bureau file, customer reviews and any outstanding regulatory actions. The most points will go to companies with an A+ rating with the BBB, a track record of addressing customer complaints and no active regulatory orders.</span></li> </ul> </div></div> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table><thead><tr><th><span style="font-weight: 400">Affordability</span></th><th><span style="font-weight: 400">32/35</span></th></tr></thead><tbody><tr><td><span style="font-weight: 400">Loan features</span></td><td><span style="font-weight: 400">24/35</span></td></tr><tr class="even"><td><span style="font-weight: 400">Customer experience</span></td><td><span style="font-weight: 400">17/20</span></td></tr><tr><td><span style="font-weight: 400">Company reputation</span></td><td><span style="font-weight: 400">0/10</span></td></tr><tr class="even"><td><span style="font-weight: 400">Total</span></td><td><span style="font-weight: 400">73/100</span></td></tr></tbody></table></figure> <div class="c-pagination hidden" data-per-page="10"> <button class="pagination-prev hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path d="M9.4 233.4c-12.5 12.5-12.5 32.8 0 45.3l192 192c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L77.3 256 246.6 86.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0l-192 192z" fill="currentColor" /></svg></button> <div> Page <span class="pagination-current">1</span> of <span class="pagination-total"></span> </div> <button class="pagination-next"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z" fill="currentColor" /></svg></button> </div> </div> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><span style="font-weight: 400;">This rating system is intended to give readers a comprehensive overview of each personal loan company. However, our top-rated lenders may not be the best fit for all borrowers. To learn more, you can </span><a href="https://www.marketwatch.com/guides/personal-loans/personal-loans-methodology/"><span style="font-weight: 400;">read our full personal loans methodology</span></a><span style="font-weight: 400;">.</span></p> </div></div> <section class="b-accordion"> <div class="wrapper"> <h2 class="heading">Frequently Asked Questions About Citibank Personal Loans</h2> <div class="c-accordion style-default"> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="6749e6555b3c9-accordion-content-0" id="6749e6555b3c9-accordion-trigger-0"> <span> <h3 class="accordion-trigger-text">What credit score do you need for a Citibank personal loan?</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="6749e6555b3c9-accordion-content-0" role="region" aria-labelledby="6749e6555b3c9-accordion-trigger-0" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">You will likely need a credit score between at least 680 and 720 to qualify for a Citibank personal loan. However, there are other data points Citibank could review. Your annual income and DTI ratio will factor into your eligibility. If you’re concerned that your credit score may not qualify for a personal loan, consider working to improve your credit or choose a lender that allows a co-borrower.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="6749e6555b3c9-accordion-content-1" id="6749e6555b3c9-accordion-trigger-1"> <span> <h3 class="accordion-trigger-text">Is it hard to get a personal loan from Citibank?</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="6749e6555b3c9-accordion-content-1" role="region" aria-labelledby="6749e6555b3c9-accordion-trigger-1" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">Getting approved for a personal loan with Citibank will depend on your credit score, DTI ratio, payment history and employment, to name a few factors. Having missed payments or other delinquencies on your credit report can make it harder to get approved. Review your report for any </span><a href="https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports"><span style="font-weight: 400;">errors or issues</span></a><span style="font-weight: 400;"> you can resolve.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="6749e6555b3c9-accordion-content-2" id="6749e6555b3c9-accordion-trigger-2"> <span> <h3 class="accordion-trigger-text">What’s the minimum salary needed for a Citibank personal loan?</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="6749e6555b3c9-accordion-content-2" role="region" aria-labelledby="6749e6555b3c9-accordion-trigger-2" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">Citibank does not list a hard salary requirement. Most financial institutions look at your DTI ratio to see if you have sufficient income to make your monthly payments. Citibank suggests a DTI of 35% or less — meaning 35% or less of your monthly income is committed to debt payments.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="6749e6555b3c9-accordion-content-3" id="6749e6555b3c9-accordion-trigger-3"> <span> <h3 class="accordion-trigger-text">How long does it take to get a personal loan from Citibank?</h3> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="6749e6555b3c9-accordion-content-3" role="region" aria-labelledby="6749e6555b3c9-accordion-trigger-3" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">You’ll first prequalify on Citi’s website, which could take minutes. If preapproved, you can select an offer and complete the application. How long it takes to receive approval could depend on the complexity of your application and any documents Citibank requests. Once approved, Citibank can deposit funds the same day into Citi accounts and within two business days for external accounts.</span></p> </div></div> </div> </div> </div> </section> <div class="wp-block-group is-layout-constrained wp-block-group-is-layout-constrained"><div class="wp-block-group__inner-container"> <p><em>Editor’s Note: Before making significant financial decisions, consider reviewing your options with someone you trust, such as a financial adviser, credit counselor or financial professional, since every person’s situation and needs are different.</em></p> </div></div> </div> <div class="c-article-contact-banner wysiwyg"> <p><i>If you have feedback or questions about this article, please email the MarketWatch Guides team at </i><i><a href="mailto:editors@marketwatchguides.com?subject=In response to: Citibank Personal Loans Review&body=https://www.marketwatch.com/guides/personal-loans/citibank-personal-loans/" target="_blank" rel="noopener noreferrer" aria-haspopup="menu">editors@marketwatchguides.<wbr />com</a></i><i>.</i></p> </div> </div> </div> </div> <div class="c-article-body-authors"> <div class="wrapper"> <span class="heading">Meet the Team</span> <div class="authors columns-2"> <div class="author"> <div class="author-top" aria-controls="author-0-content" aria-expanded="false" role="button"> <div class="c-picture author-photo"> <img width="50" height="50" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-50x50 size-50x50 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Trea-Branch-150x150.png" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Trea-Branch-150x150.png.webp" /><noscript><img width="50" height="50" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Trea-Branch-150x150.png" class="attachment-50x50 size-50x50" alt="" loading="lazy" decoding="async" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/trea-s-branch/" aria-label="Learn more about Trea S. Branch" title="Learn more about Trea S. Branch" class="c-link "> Learn more about Trea S. Branch</a> </div> <div> <span class="author-name">Trea S. Branch</span> <span class="author-roles">Contributing Writer</span> </div> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </div> <div id="author-0-content" class="author-content"> <div class="author-description wysiwyg"> <p><span style="font-weight: 400;">Trea S. Branch is a personal finance writer based in Chicago. She has an M.B.A. from the University of Notre Dame, and her work has been featured in the Associated Press and several financial publications.</span></p> </div> <a class="author-permalink" href="https://www.marketwatch.com/guides/authors/trea-s-branch/"> Learn more about Trea S. Branch </a> </div> </div> <div class="author"> <div class="author-top" aria-controls="author-1-content" aria-expanded="false" role="button"> <div class="c-picture author-photo"> <img width="50" height="50" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-50x50 size-50x50 lazyload ewww_webp_lazy_load" alt="" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg.webp" /><noscript><img width="50" height="50" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-150x150.jpg" class="attachment-50x50 size-50x50" alt="" loading="lazy" decoding="async" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/guides/authors/kelly-larson/" aria-label="Learn more about Kelly Larson" title="Learn more about Kelly Larson" class="c-link "> Learn more about Kelly Larson</a> </div> <div> <span class="author-name">Kelly Larson</span> <span class="author-roles">Senior Editor</span> </div> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </div> <div id="author-1-content" class="author-content"> <div class="author-description wysiwyg"> <p><span style="font-weight: 400;">Kelly Larson is a senior editor with 14 years of experience creating and optimizing data-driven, reader-focused digital content. Kelly enjoys running and exploring the outdoors with his sons.</span></p> </div> <a class="author-permalink" href="https://www.marketwatch.com/guides/authors/kelly-larson/"> Learn more about Kelly Larson </a> </div> </div> </div> </div> </div> <div class="c-article-related"> <div class="wrapper"> <span class="heading">Related Articles</span> <div class="articles swiper"> <div class="swiper-wrapper"> <article class="article swiper-slide"> <div class="c-picture article-thumbnail"> <img width="1920" height="1280" 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