Conditions and limitations
The lowest rate includes a 0.25% autopay discount. Citi limits eligibility for some newer customers. Published ranges are not personalized offers; your terms depend on underwriting and state.
OFFICIAL PRODUCT TERMS
Citi
Personal Loan Terms
Published terms from Citi’s official pages, checked Nov 2, 2026. Your own rate and eligibility are set by the provider.
Citi Personal Loan
Published APR10.24% – 18.49%A range, not your rate
Loan amount$2,000 – $30,000May vary by state
Repayment term12 months – 60 monthsLonger terms cost more overall
Origination fee0.00%Usually taken from the loan
Eligibility
- Minimum credit score
- Not disclosed
- Direct pay to creditors
- Not disclosed
- Co-applicant
- Not permitted
- Autopay discount
- 0.25%
- Late fee
- None
- Prepayment penalty
- None
- State availability
- Not disclosed
From the provider’s official pages. Not disclosed means the pages we checked do not state it; ask the provider.
Sources and verification
Terms checked Nov 2, 2026Source status: reviewed
A successful source check does not renew the financial terms. This is a factual product summary, not an endorsement or personalized offer. No affiliate tracking link is used.