Achieve your goals with a fast, convenient, and transparent loan.
At Citibank, you’ll find personal credit with fixed rates, simple approval, and the freedom to use the money however you wish.
With the trust of one of the largest financial institutions in the United States, Citibank offers personalized loans for different profiles and needs. Check it out!
What is required before applying for your loan?
Before submitting your application, it’s important to know Citibank’s main requirements to ensure a quick and accurate review.
Minimum age
The applicant must be at least 18 years old or the legal age in their state.
Residency status
You must be a U.S. citizen or legal resident with a Social Security Number (SSN) or ITIN.
Credit history
Citibank reviews your credit score; the higher your score, the better the conditions offered.
Proof of income
The bank requires proof of stable income sufficient to cover the loan payments.
Documents required for your loan application
Organizing your documents is essential to speed up the approval process.
- Present a valid ID, such as a driver’s license or passport.
- Have updated proof of income, such as pay stubs, tax returns, or bank statements.
- Provide recent proof of address, such as a utility bill or lease agreement.
- Include your Social Security Number (SSN) or ITIN for credit verification.
How to simulate a loan at Citibank
Simulation is the first step to understanding the conditions available to you. It helps you explore different credit options before applying, offering clarity about terms and costs. This makes it easier to plan your finances with confidence.
On the Citibank website, you can complete a pre-qualification without affecting your credit score. Simply enter the desired amount and repayment term to view rates, installments, and the total cost. The process is fast, simple, and fully online.
This step helps you compare options and choose the plan that best fits your budget. By simulating before applying, you ensure greater control over your decision and transparency in every stage of your loan process.
Know how much you’ll pay before signing the contract
Citibank is transparent in every step of the process, ensuring customer confidence and peace of mind. Every detail is presented clearly so you can make informed decisions without surprises.
During the simulation, the bank provides the annual percentage rate (APR), the total financed amount, and the effective cost of credit. This allows you to fully understand the value of your loan and the total you will repay.
There are no opening fees or penalties for early repayment, giving you flexibility and control. With this, you’ll know exactly how much you’ll pay and can plan your finances confidently.
How long until the money is deposited into your account
After approval, the credit is released quickly and efficiently. Customers who already have a Citibank account usually receive the funds on the same business day.
For accounts at other banks, the deposit may take up to two business days.
The release time may vary according to the final profile analysis and the requested amount.
How to track your loan request online
Citibank offers complete digital tools to monitor your application status.
Step by step
- Access the Citibank website or app and log in to your account.
- In the loans section, check the status of your application in real time.
- Enable notifications to receive updates via email or text message.
- After approval, view installments, deadlines, and payment history directly through the app.
Personal loan for customers with bad credit
Even those facing credit restrictions can apply for evaluation at Citibank. The bank considers multiple factors beyond your score, such as your relationship history and repayment capacity.
Customers with active accounts and good financial behavior have a higher chance of approval.
Improving your credit and reducing debt before applying for a loan increases the likelihood of success.
Options to repay your loan with discounts
Citibank offers benefits for customers who stay current on their payments. Enabling automatic payments (autopay) may reduce the interest rate by up to 0.50%.
Customers in Citi Priority or Citigold programs may receive additional discounts.
It’s also possible to make early payments without penalties and reduce the total interest cost.
In-person vs. online – Citibank personal loan options
Citibank allows you to choose the most convenient way to apply for your loan.
Available options
Online: Fully digital application with fast review and response in minutes.
Phone: Specialized assistance to answer questions and complete the application.
Physical branch: Personalized service for those who prefer to speak with a consultant.
Customer portal: Existing account holders can request a loan directly through their account portal.
Your time is now
Citibank’s personal loan is an opportunity to achieve your goals with security and flexibility.
With fixed rates, adaptable terms, and full customer support, you have complete control over your credit.
Gather your documents, simulate your loan, and apply with confidence — Citibank is ready to help you take the next step.
The time is now: turn your plans into reality with the support of those who understand credit.
