Eligibility Requirements:
- Must be at least 18 years old (21 in Puerto Rico)
- Must have been a Citi customer for at least 12 months
- Must agree to electronic disclosures and e-signature
- Co-applicants are not permitted
Loan Application Steps:
- Check your rate – Soft credit check, no impact on your score
- Submit your application – Fast and secure online process
- Receive your funds – Same-day deposit to Citi accounts or 1–2 business days for others
Frequently Asked Questions
How long does it take to get approved for a Citi loan?
Approval is often same-day, with funds available shortly after.
Is it required to explain why credit is being used?
No. Citi allows flexible use of funds without requiring justification.
Do I need to have a good credit score to be approved for a Citi loan?
A good score helps, but you can check your rate with no impact first.
Can I apply for a loan if I am self-employed?
Yes, as long as you meet the income and eligibility requirements.