Personal loans that fit your life

Because getting a loan is personal

A personal loan is an installment loan that can be repaid over a period of time, or term, through regular affordable payments. When you choose a CitiFinancial personal loan, we’ll work with you to find the loan solution that’s right for you based on your needs, preferences and budget.
 

Small personal loan Up to $5K

Need money fast? Get our small loan.

Life happens — and sometimes it can be expensive. If you’re in a bind or need a quick solution, a small personal loan can help cover urgent or unexpected expenses.

APPLY FOR A LOAN ONLINE

At a glance

Loan amount
$500–$5,000
Rates from
27.99%*
Terms
6–60 months
Secured
No
Payments
Fixed
Fees
None
Prepayment penalties
None
Time to process
< 1 day
Guarantee
14 days

Unexpected expenses loan

Get a loan quickly if you're faced with home and auto repairs or replacements. 

Debt consolidation loan

Pay off outstanding debts. Make only one affordable payment a month and get out of debt sooner. 

Home improvement loan

Increase the value in your home through home improvements or renovations. 

Wedding or vacation loan

Plan ahead for travel, or important milestones such as a wedding or new baby. 

Own your home? Borrow more at a lower rate.

You've worked hard for your home, now put it to work for you. Secure your loan with the equity in your home and borrow up to $25,000 with affordable payments and rates as low as 19.99%.* 

PERSONAL LOANS FOR HOMEOWNERS
Name Here

Sue's story

Sue was in a pinch and needed money fast. She had a good credit score, but had been turned down by the bank. Sue was worried that she wouldn’t be able to get a loan to replace her refrigerator, which had suddenly quit working. When Sue learned she could get a small personal loan quickly and conveniently from CitiFinancial, she felt relieved to have found a solution. Sue completed her application online in minutes, visited her local branch that afternoon and had her money in her bank account within a few hours.

This story is based on a typical customer situation. 

Loan Amount
$5,000
Term
60 months
Bi-weekly payment
$117

Medium personal loan Up to $20K

Looking for a longer-term solution to stay ahead?

A mid-size personal loan gives you the amount you need and the flexibility you want. Pay for larger expenses and give yourself some financial breathing room.

APPLY FOR A LOAN ONLINE

At a glance

Loan amount
$5,000–$20,000
Rates from
27.99%*
Terms
6–60 months
Secured
No
Payments
Fixed
Prepayment penalties
None
Time to process
< 1 day
Guarantee
14 days

Unexpected expenses loan

Get a loan quickly if you're faced with home and auto repairs or replacements. 

Debt consolidation loan

Pay off outstanding debts. Make only one affordable payment a month and get out of debt sooner. 

Home improvement loan

Increase the value in your home through home improvements or renovations. 

Wedding or vacation loan

Plan ahead for travel, or important milestones such as a wedding or new baby. 

Own your home? Borrow more at a lower rate.

You've worked hard for your home, now put it to work for you. Secure your loan with the equity in your home and borrow up to $25,000 with affordable payments and rates as low as 19.99%.* 

PERSONAL LOANS FOR HOMEOWNERS
Name Here

Nathan’s story

Nathan knew he had a big year ahead. His eldest son was getting married, his youngest had just moved back in after graduating and he and his wife Jan had plans to travel. Nathan wanted to be prepared and comfortable financially, and didn’t want to put large costs like vacations or wedding expenses on a high-interest credit card. Nathan turned to a mid-size personal loan from CitiFinancial that had affordable, fixed payments. He worked with a Lending Specialist to build a loan solution that met his budget, and left feeling well equipped and excited for the year ahead.

This story is based on a typical customer situation. Some personal details have been changed.

Loan Amount
$8,000
Interest Rate
27.99%
Paid back in
8 months

Personal loans for homeownersUp to $25K

Gain access to more money and lower rates.

Being a homeowner pays off. Secure your loan with the equity in your home and borrow more money than with our unsecured personal loans—and at a lower rate.

APPLY FOR A LOAN ONLINE

At a glance

Loan amount
$5,000–$25,000
Rates from
19.99%*
Terms
36–120 months
Secured
Yes
Payments
Fixed
Fees
Vary by province
Prepayment penalties
Vary by province
Time to process
2+ days

Unexpected expenses loan

Get a loan quickly if you're faced with home and auto repairs or replacements. 

Debt consolidation loan

Pay off outstanding debts. Make only one affordable payment a month and get out of debt sooner. 

Home improvement loan

Increase the value in your home through home improvements or renovations. 

Wedding or vacation loan

Plan ahead for travel, or important milestones such as a wedding or new baby. 

Name Here

Jin and Emma’s story

Jin and Emma’s son was facing a financial challenge, and they wanted to help. The empty nesters were unsure if they would qualify for a large enough personal loan based on their credit history. When Jin and Emma learned that they could secure their CitiFinancial personal loan with the equity in their home, they felt an immediate sense of relief. And within two days, they had the money they needed to help see their son through his financial challenge.

This story is based on a typical customer situation. Some personal details have been changed.

Loan Amount
$21,000
Interest Rate
19.99%
Paid back in
60 months

*Interest rates may vary by province.

In Ontario, CitiFinancial Canada Inc. is licensed as mortgage brokerage 10821.

What can loans be used for?

In this video, CitiFinancial Customer Advocate Kelly Wilson answers commonly-asked questions by Canadians about loans. 

 

See how affordable a personal loan can be

Try our payment calculator to see how affordable a personal loan can be. Just a few details and we'll provide you with an estimated payment.

CALCULATE YOUR PAYMENTS

Why Canadians choose CitiFinancial loan solutions 

  1. One-on-one service from a knowledgeable Lending Specialist at your local branch. 

  2. Fixed rates and affordable monthly payments for the life of your loan. 

  3. Flexible payment options and no prepayment penalties or administration fees on unsecured loans. 

  4. 14-day guarantee on all unsecured personal loans. No charges. No questions asked. 

Get a loan as soon as today

APPLY FOR A LOAN

Protect your loan from the unexpected

These value-add benefits can give you peace of mind should the unforeseen occur.

Job Loss Insurance 

Have your loan payments covered if you're involuntarily unemployed. 

Disability Insurance 

If you experience disability and can't work, your loan repayments could be taken
care of.*

Life Insurance

Protect your family or estate in the future and have your loan paid off in the event of
your death.* 

Home and Auto Security Plan

Offering home and family benefits, roadside assistance, legal services and more. 

*Coverage depends on the type of illness, disability or death. Insurance will be paid on covered illnesses/disabilities only. 

TALK TO YOUR LENDING SPECIALIST TO LEARN MORE

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