Citibank Personal Loans

Sometimes we all need a little monetary assistance to deal with certain emergency and unexpected expenses.

You never know when you are going to require some extra credit to pay your monthly mortgage, household utility bills, children college expenses, or make some home renovations for an upcoming event.


Today, a large number of banks and financial lenders offer a range of personal loans and lines of credit options that can certainly meet your unplanned expenses.

However, you need to be a bit choosy when it comes to finding the right personal loan term that will suit your requirement and your financial affordability.

Advantages of a Citibank Personal Loan

Consider a situation when you need a lump sum, which you want to pay back in fixed monthly installments.

There can’t be a better alternative than a Citibank personal loan, which can allow you to borrow anything between $500 and $50,000.



Because you are free to do what you like to do with the money – home improvement, a boat purchase or debt consolidation.

If you are a resident of California, you can be offered an interest rate of 8.99%, which may vary from time to time and also across the different states of the US. In any case, the present APR ranges between 8.99% and 20.74%.

Besides, you are also offered flexible loan term options. This means you can conveniently choose to repay your loan over 2, 3, 4 or 5 years.

Who can qualify for the personal loans at Citibank?

Check if you possess the following qualifications before you proceed with the application process.

  • You have a Citibank deposit account, a linked Citibank mortgage, or a Citi credit card (other than a retail store card issued by the bank) that is with you for more than a month at the time of application.
  • A positive balance in the account you have at the bank, or at least you have made a deposit in the past 3 months.
  • Your annual income is above $10,500.
  • Your loan requirement is not more than $50,000.

The customer service phone number to apply for Citibank personal loans is 1-877-362-9100.

Citibank Personal Line of Credit

Citibank personal lines of credit is another good option if you want to balance the ups and down in your cash flow.

For those who have ongoing planned borrowing needs, this revolving personal line of credit can help them meet their borrowing needs or manage their cash flow.

Personal lines of credit are available up to $50,000 depending on the financial ability and the credit status of the borrower.

Loan application processing and approval are often quick and once approved, a check for the approved loan amount will be mailed to the borrower within 5 working days.

One may get a fixed personal loan rate ranging from 8.99% APR to 20.74% APR depending on certain conditions. Online bill payment is another added advantage that you can enjoy while making your monthly payments.

Other Financing Options

Citibank is a reliable bank that offers a variety of loans and banking products.

For example, Citibank personal loans and lines of credit can also come in the form of some specific products, namely Checking Plus®, Custom Credit Line, and Personal Loan.

If you are looking for some kind of overdraft protection, Citibank’s Checking Plus® can be a good option. With this product, you could use a revolving line of credit to get quick access to cash, and lines are available up to $5,000.

Checking Plus® comes with 18.25% variable APR and there is a charge of $10 as overdraft protection transfer fee.


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