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    Lending Services

    Lending Products

    Your goals are as different as you are. That's why Citibank offers a variety of lines of credit and loans. So whether you're buying a home or paying for an education, we've got an option for you.

    Home Equity
    Lines of Credit & Loans

    Put the equity you have in your home to work for you. With a home equity loan or line of credit, you can remodel your home...and much more.

    Right for you if:

    • You already own a home
    • You want to use equity for large borrowing needs
    • You want to pay down higher-interest-rate debt

    Personal Lines of
    Credit & Loans

    Keep cash on hand...for whatever arises. Or have predictable monthly payments to plan your budget around.

    Right for you if:

    • You want cash you can use when you need it
    • You need ways to finance your one-time or recurring borrowing needs
    • You want to choose between variable and fixed rate solutions

    Checking Plus®
    (variable rate)

    Overdraft protection for your linked checking account

    Right for you if:

    • You want the security of overdraft protection
    • You want peace of mind – no more bounced checks1
    • You want to avoid higher-cost overdraft fees1


    They say home is where the heart is, so finance the perfect one with a Citibank mortgage. We're here to help every step of the way.

    Right for you if:

    • You need a pre-approval
    • You want options for borrowing
    • You're buying or refinancing

    Lending Services

    Sometimes banking on your terms means banking on your couch. Other times you need face-to-face service. So we've made sure you can bank how you want to bank, when you want to bank.

    Lending Resources

    The personalized wealth management services your finances deserve.

    See All Articles
    1. Rates as of 04/20/2014. Current variable Annual Percentage Rate (APR): 18.25% . If you are in default, your variable APR may increase by 2.00%.

      Citibank will charge an Overdraft Protection Transfer Fee of $10 each day we cover overdrafts by transferring money from your Checking Plus account or your Checking Plus® (variable rate) account. The Overdraft Protection Transfer Fee will be charged to the checking account that receives the transfer. This fee is waived for Citigold® and Citi Private Bank customers.

      Checking Plus (variable rate) will prevent a check from being returned unpaid only to the extent your line of credit is unused and available for this purpose.
    2. Personal Loans, personal lines, home equity loans and home equity lines of credit as well as first mortgage products are available through Citibank, N.A., an Equal Housing Lender. Citibank, N.A. NMLS ID: 412915