Getting started with your loan application

Applying for a loan from CitiFinancial is quick and easy. We’ll help you understand the application process and give you the peace of mind you need to take control of your financial future.

Making the borrowing experience better

Applying for a loan shouldn’t be complicated or overwhelming. Our Lending Specialists deliver friendly, personalized service to ensure you understand your loan and leave the branch feeling confident and secure. 


Understanding interest rates

There are a number of factors that lenders consider when assessing a loan application. Understanding how interest rates are determined can provide clarity on how we build a personalized loan solution with affordable payments and an interest rate that’s right for you.  


What to bring to close your loan 

After you apply for a loan and you’re ready to visit your branch, you’ll need to bring a few verification documents. This step is easy—you likely have most of what you need in your wallet. Here’s an overview of what you’ll need to bring.


Personal identification 

Like a Driver’s Licence or, in some provinces, a health card. You’ll need one piece of primary ID or two pieces of secondary ID.

Income verification

Like a recent pay stub. Proof of income affects your rate, so you’ll want to bring one or more pieces. 

Rental or mortgage agreement

Information about where you live helps us calculate your rate. You’ll need your rental or mortgage agreement. 

The staff are kind and always provide excellent customer service."

Best. Loan. Ever. winner Pascale Duval
Pascale D., Châteauguay, QC

When I needed money, they were there."

Best. Loan. Ever. winner Gerald McDonald
Gerald M., Cornwall, ON

Refer a friend and get $100

Earn rewards simply by spreading the word about CitiFinancial. For each friend or family member you refer who takes out an unsecured personal loan, you’ll earn $100.* Just call or visit your local branch to get your unique referral number and start sharing it with interested friends and family. Talk to your Lending Specialist to learn more. 


Up next: Dig into the blog

The CitiFinancial blog is packed with articles, videos and infographics on helpful financial health topics.

* Not available to residents of Quebec. You may qualify to earn a referral reward (“Reward”) if the person you refer (“Referee”) obtains an unsecured personal loan from CitiFinancial. Referee must provide the referral number to CitiFinancial prior to loan closing. To be eligible, Referee cannot have an existing loan at the time the Referee closes their loan. Reward is a cheque that will be mailed 6–8 weeks after Referee’s loan closing. Reward will not be paid for loans that are paid in full within 30 days of origination, cancelled, or in which you are the primary borrower. Limit five Rewards per customer per calendar year. In order to protect customer privacy, CitiFinancial cannot provide any information about the status of Referee’s loan application. CitiFinancial reserves the right to discontinue the program at any time for any reason. You are responsible for payment of any income or other taxes due as a result of the Reward having been paid to you.