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CitiFinancial Lending Process
Step 1
Apply online today
Step 2
Receive email confirmation and your application is sent to your local branch
Step 3
Discuss your loan options with your local branch representative
Step 4
You could have your money as soon as tomorrow!

Personal Loans

Personal Loan Features:
Borrow up to $20,000
Rely on fixed rates and manageable, fixed payments for the life of your loan
Interest rates from 26.99%-36.99% and loan terms up to 60 months
Count on a secure and quick online application with an instant online decision
No prepayment penalty or fees
Change your mind and cancel within 14 days with no charges and no questions
FAQ

What is a Personal Loan?

A personal loan is an installment loan that is repaid over a scheduled period of time with monthly payments, or installments. These monthly payments are fixed amounts and are applied to the loan balance over the scheduled period of time, also referred to as the term. At the end of the fixed term, the loan will be paid off.
CitiFinancial Personal Loans are often used to consolidate debt and to pay for unexpected expenses, home improvements and life events, such as a wedding, a new baby or a vacation.
With CitiFinancial you can choose between a Personal Loan, a Home Equity Loan or a CitiFinancial Mortgage. For an unsecured Personal Loan you don't need to own your home and no collateral is required to secure the loan.
 

How Much Can I Borrow With a Personal Loan?

With a CitiFinancial Personal Loan you can borrow up to $20,000. A knowledgeable loan specialist will work with you to determine how much you can borrow based on your credit score.
What Will My Interest Rate Be?

Your interest rate is based upon your credit score and other factors. For a Personal Loan, our interest rates range from 26.99% to 36.99%. Like all CitiFinancial loans, your payments and your rates will stay fixed throughout the life of your loan.

Are There Any Fees?

CitiFinancial does not charge any administration fees on Personal Loans.

Why Choose a Personal Loan?

There are many reasons to choose a Personal Loan. With a Personal Loan, no home ownership or collateral is required to secure what you borrow. Personal Loans have no fees, require the least amount of paperwork and provide you with the money you need quickly. You may get your money the same day if you apply by noon.
What is a Home Equity loan?

Home Equity loans are loans that are secured by collateral, like your home. If you are a homeowner, you may be interested in a Home Equity Loan or a CitiFinancial Mortgage. With secured loans, you benefit from lower interest rates and higher borrowing power.

Find out more about loans for homeowners.

 

Why Choose CitiFinancial?

Get the money you need, when you need it
One-on-one, local service from a knowledgeable loan specialist at your local branch.
Secure and quick online application with an instant online decision
Fixed rates and manageable, fixed payments for the life of your loan
Flexible payment options. Choose your due date and pay online or in person
Pay off your personal loan any time with no prepayment penalty or fees
Change your mind and cancel your personal loan within 14 days with no charges and no questions
Secure, 24/7 Online Account Management to make online payments, update account information and view payment history
CitiFinancial is a name you can trust with a Canadian track record dating back to 1923 and the strength of over 200 branches coast to coast
They have great customer service.  I have been with them about 15 years.
Apply today and you could have your cash tomorrow!
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