Citi personal loans: APR, fees and requirements

What Citi publishes about its personal loans (10.24% to 18.49% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.

Lender type	Bank
APR range	10.24% to 18.49%
Loan amounts	$2,000 to $30,000
Repayment terms	12 to 60 months
Origination fee	None
Minimum credit score	Not published
Funding time	Same business day into an existing Citibank account, or within 2 business days to an external bank account
Availability	Up to $50,000 only for customers holding Citi credit cards or eligible Citi checking/savings accounts ($30,000 max for new-to-Citi customers). Co-applicants not permitted. Citi credit card customers of less than 12 months without a Citi deposit account are not eligible.

How the lender states its rates: “Rates as of 9-29-2026. Your APR may be as low as 10.24% or as high as 18.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a .25% APR discount for enrollment in automatic payments at the time of loan origination.”

How the starting rate compares

The lowest advertised APR, 10.24%, ranks 28 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.