Citizens Bank – Personal Loan
Citizens Bank offers no-fee personal loans up to $50,000 plus one of the most popular student loan refinance programs in the US through Citizens Student Loans.
Applying does not obligate you to accept a loan offer.
Citizens Bank Personal Loan – Review 2026
Citizens Bank is the parent of Citizens Financial Group, the 13th-largest US bank. Citizens offers personal loans, private student loans, and one of the most established student loan refinancing programs in the US.
Loan Details
Personal loans range from $5,000 to $50,000 with terms of 36 to 84 months. APRs from 7.99% to 21.25% with no origination, prepayment, or late fees. Existing Citizens customers receive a 0.25% loyalty discount and autopay borrowers receive another 0.25%.
✓ Pros
- No origination, prepayment, or late fees
- Multiple discounts
- Student loan refi available
- Joint applications
✗ Cons
- Service area limited to 14 states
- Slower than pure online
- Higher minimum loan $5,000
Loan Example
Example: $25,000 loan for 60 months at 11.99% APR = monthly payment of $555.97, total payable $33,358.20.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident in eligible state
- ✓ FICO 680+
- ✓ Verifiable income
- ✓ US bank account
Loan Features
- No fees at all
- Loyalty + autopay discounts
- Loans up to $50,000
- Student loan refinancing
- Joint applicants accepted
Frequently Asked Questions
1-3 business days after submitting your application.
The minimum amount at Citizens Bank is $5,000 USD.