Citibank Personal Loan

Citibank offers large personal loans up to $50,000 with payments term options from 12 to 60 months. But Citibank loans also come with income and membership requirements. If you don’t meet these qualifications then check out the no nonsense Check City Personal Loan!

One of the best reasons to get a personal loan is to consolidate debts into one single monthly payment. Many times consolidating debt can even lead to lower interest rates that save you money in the long term. Personal loans can also be used to help with home improvements and other major expenses. All personal loans come with their own benefits and drawbacks, so it’s important to do your research on different loans in order to figure out which loan provider is the best fit for you and your needs.

Citibank Personal Loans: A Quick Look

A Citibank personal loan can be anywhere from $2,000 to $50,000 with an APR range between 7.99% and 23.99%. Citibank personal loans have no origination fees and offer fixed rates so customers can know for sure what they pay. They also offer flexible loan terms between 1 to 5 years. Citibank personal loans are most commonly used to consolidate debts, make home improvements, and pay other large expenses.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $2,000

Rates: 7.99% to 23.99% APR

Fees: no origination fee

Terms: 12, 24, 36, 48, and 60 month terms (1 to 5 years)

When: receive a check in the mail in 5 business days

Basically, Citibank is a great loan provider for anyone who already has a bank account with Citibank. You also need to make at least $10,500 a year in order to qualify for their personal loans and there are some restrictions to keep in mind if you want to take out more than one loan from them. Their loans can be used for a number of larger, personal expenses.

Who are Citibank Personal Loans Perfect For?

A personal loan from Citibank is a great loan option for those with good to excellent credit since applicants with the best credit will get the best interest rates. They can be used for many personal reasons but are the most useful for anyone looking to consolidate high interest debts or finance home projects. If this is the kind of loan you’re looking for, and you match the qualities listed below, then a personal loan from Citibank may be perfect for you.

  • If you have a good or excellent credit score
  • If you need a large loan amount
  • If you already have an account with Citibank
  • If you can wait 5 business days for your funds
  • If you make at least $10,500 a year

Who Should NOT Get a Citibank Personal Loan?

If you have a poor credit score then a Citibank personal loan might not be the best loan option for you. Only applications with excellent credit are able to qualify for the best interest rates. So if you have a poor credit score then you may want to think about getting a personal loan with Check City instead. Below are some other reasons to consider a different loan provider.

  • If you need a small loan
  • If you want to pay off the loan in a few months
  • If you have a low credit score
  • If you want your funds today
  • If you make less than $10,500 a year
  • If you don’t already have an account with Citibank
Citibank Personal Loans Pros and Cons List
Pros Cons
No origination fee Need excellent credit to qualify for lower rates
Get lower rates by using Auto Deduct The check takes 5 days to mail
Get points by using your Citibank checking account Need to be an existing bank account holder
You can only apply online for loans $30,000 and under

An Alternative to Citibank Personal Loans

The Citibank personal loan may not meet your requirements as a loan customer and that’s ok. Everyone has different financial needs when it comes to the terms of a personal loan. If your credit score doesn’t qualify you for a Citibank personal loan, or if you just want a smaller, quicker, short-term loan, then Check City has what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan review

  • We’re a direct lender: Check city doesn’t direct you to lenders, we are the lender.
  • We’re a state licensed lender: Check City offers the safety, security, and trust of a state licensed lender.
  • Loan applications are quick and simple
  • Bad credit scores can still apply
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in just 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is fast and easy. All you have to do to apply online is go to our Personal Loans Page and fill out the application form. It only takes a few minutes!

If you don’t want to apply online then there are two other application options you can choose from. You can visit your local Check City store and apply in person, or you can call a Check City representative with the Loans By Phone number listed below and apply over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

Applying for a Check City Personal Loan online is fast and incredibly easy to do, but if you want your loan money even sooner, you can apply in person at a Check City store and walk out with your cash TODAY!

Check City personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a few short months instead of years. It’s also a great loan option for anyone with bad credit who can’t afford the credit score hit of a traditional credit report. If the Check City personal loan sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and GET CASH NOW.


Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans USAA Personal Loan Citibank Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $2,000 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 7.99% to 23.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 12 to 60 months
Min. Credit Score none 660 600 high credit score high credit score


All loans come with a set of requirements in order for loan customers to qualify. But loan customers also have requirements for the perfect loan. Every customer needs something different in a personal loan, which is why loan review articles like this one are so helpful. You’ll need to do a little research about different loans if you want to find the best personal loan for you.

Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

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