Citi (loans): verified facts and rating
Licensed since: 1812 Checked 2026-10-30
Score breakdown
74% backed by facts · How we rank
Citi (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference82%125%125% · median 100%
Maximum amount, % of country reference70%300%100% · median 100%
Longest term60 mo84 mo60 mo · median 60 mo
Citi (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- No arrangement fee in the standard terms
- Terms state that early repayment is free
Cons
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All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1812 ESTYMD 06/16/1812 | api.fdic.gov | 2026-10-30 |
| Licensed by the regulator | Yes FDIC cert 7213, ACTIVE 1 | api.fdic.gov | 2026-10-30 |
| Published rate, % of country reference | 125% Your APR may be as low as 10.24% or as high as 18.49%; lowest assumes excellent credit, 36 or 48 month term, includes .25% autopay discount; rates as of 9-29-2026 · APR 10.24% · index 100 = 8.2% (median at launch) | citi.com | 2026-10-30 |
| Free early repayment | Yes No late fees or prepayment penalties apply. | citi.com | 2026-10-30 |
| No arrangement fee | Yes No Origination Fees. No fees whatsoever | citi.com | 2026-10-30 |
| Fees or terms published | Not verified | — | |
| Complaints procedure | Not verified | — | |
| Online application for new customers | Yes Check your rate / apply online; up to $30,000 for new-to-Citi customers (card-only customers under 12 months are not eligible) | citi.com | 2026-10-30 |
| Support hours a week | Not verified | — | |
| Maximum amount, % of country reference | 100% $2,000-$30,000 for new-to-Citi customers; up to $50,000 only for customers with Citi credit cards or eligible Citi checking and savings accounts · max 50000 USD · index 100 = 50000 USD (median at launch) | citi.com | 2026-10-30 |
| Longest term | 60 mo between 12 and 60-month terms | citi.com | 2026-10-30 |