Citizens Personal Loans
Personal loans from $5,000 to $50,000 with no origination fees. Autopay discount. Existing Citizens customers may get reduced rates.
Last checked on September 4, 2026. We may earn a commission when you click through.
Citizens Personal Loans
Updated 1 month agoAPR Range
7.49–22.44%
Amount
$5k–$50k
Term
36–84 months
Type
Personal
You'll be redirected to citizensbank.com
Our Verdict
Citizens Personal Loans offer a flexible borrowing range with competitive rates and no origination fees. However, borrowers should weigh the potential downsides before applying.
Best For
These loans are best for existing Citizens customers looking for reduced rates and individuals seeking amounts between $5,000 and $50,000 without origination fees.
Watch Out
Be mindful of the higher APR range, which could significantly impact repayment amounts, especially for lower credit scores.
Full Review
Citizens Personal Loans provide a robust borrowing solution for those in need of financial flexibility. With amounts ranging from $5,000 to $50,000 and terms from 36 to 84 months, borrowers can find a loan that fits their needs. One of the most appealing aspects is the absence of origination fees, which can save you money upfront.
Additionally, customers who already bank with Citizens may benefit from reduced rates, making this an attractive option for those loyal to the bank.
However, potential borrowers should take note of the APR range of 7.49% to 22.44%. Those with lower credit scores, particularly below the minimum of 660, may find themselves facing the higher end of this spectrum, resulting in significantly larger repayments over time. Moreover, while the autopay discount is a nice incentive for those who prefer automated payments, it’s essential to ensure that you can maintain sufficient funds in your account to avoid overdraft fees.
When compared to other lenders, Citizens may offer competitive rates, but it's advisable to shop around and compare terms and fees from multiple providers. In summary, while Citizens Personal Loans can be beneficial, especially for existing customers, careful consideration of the loan terms and potential interest rates is crucial before making a commitment.
Requirements
- US citizen or permanent resident
- Age 18+
- Valid SSN
- Bank account
- Minimum credit score 660
- Verifiable income
- Available in select states
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