Citi® Personal Loans
Benefit from Citi®’s unsecured personal loans: competitive rates from 9.99% APR, amounts up to ARS $30,000, and up to 60 months repayment with zero fees.
Citi® Personal Loans stand out for their flexibility and straightforward process. Loans range from ARS $2,000 to ARS $30,000, with select existing Citi customers eligible for up to ARS $50,000. The annual percentage rate (APR) starts as low as 9.99%, featuring a handy 0.5% rate reduction if you set up automatic payments. Loan terms extend from 12 to 60 months, and unlike many others, there are absolutely no origination, prepayment, or late fees, making budgeting much simpler.
How to apply for a Citi® Personal Loan
The application process is quick and can be started online or by phone. First, check your rate with only a soft credit pull, so your score remains unaffected. Next, complete and submit your application mostly online, uploading any required documents. Once approved, Citi® typically deposits the funds into your chosen account within a business day (for Citi accounts) or up to two business days (for other banks).
Pros of Citi® Personal Loans
One of the main advantages is the absence of any fees—no origination, prepayment, or late penalties. Fixed rates ensure you will always know your monthly payment, simplifying your financial planning. Quick funding after approval is another significant benefit, allowing you to access the money you need, fast.
Cons of Citi® Personal Loans
However, eligibility criteria can be a bit strict, especially for non-Citi customers, and there’s no option for co-applicants. Furthermore, Citi® personal loans are not available for business expenses or educational costs, which limits their use slightly compared to some competitors.
Final verdict: Is Citi® Personal Loan right for you?
If you prioritize transparent, no-fee borrowing and value fast access to funds, Citi® Personal Loans offer a very compelling choice. Potential borrowers with solid credit and an existing banking relationship with Citi will find particularly attractive terms. Consider your eligibility and needs before proceeding.
