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    Lending Services

    Sometimes we all could use a little extra credit. That's why Citibank offers a variety of personal lines of credit and personal loans to meet a variety of needs—from overdraft protection to home renovations.

    Checking Plus® (variable rate)

    Right for you if:

    • You want the safety of overdraft protection
    • You never want to bounce another check1
    • You could use a revolving line of credit

    If you're interested in overdraft protection, Checking Plus is just right for you. Lines available up to $5,000.

    See Account Agreements and Disclosures for Checking Plus (variable rate) and Secured Ready Credit.



    Custom Credit Line

    Right for you if:

    • You need to balance the ups and downs in your cash flow
    • You'd like to finance an important family event and borrow with no cash advance fee2
    • You have ongoing planned borrowing needs

    This revolving personal line of credit2 can help you meet your borrowing needs or help manage your cash flow.



    Personal Loan

    Right for you if:

    • You have a one-time borrowing need
    • You'd like to borrow up to $50,000
    • You like the security of fixed monthly payments

    This unsecured personal loan offers fixed rates from 8.99% to 20.74% APR.3



    1. 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. Rates as of 04/17/2014. Your APR may be as low as 7.74% variable APR or as high as 21.99% variable APR (may vary by marketplace). To qualify for the lowest rate, customers must use Citibank Auto Deduct (an automated monthly debit from a Citibank deposit account) for repayment, meet relationship balance requirements, and have a good credit history. If you are in default, your Annual Percentage Rate may increase by 2%. Annual Fee of $50 waived for Citigold customers and anyone who takes a loan or makes a payment on their account once during the year.
    3. Rates as of 04/17/2014. Your APR may be as low as 8.99% APR or as high as 20.74% APR. To qualify for the lowest rate, customers must use Citibank Auto Deduct (an automated monthly debit from a Citibank deposit account) for repayment, meet relationship balance requirements (other rates may apply based on your relationship balance amounts), and have a good credit history. If you are in default, your APR may increase by 2.00%. If you borrow $12,000 for 5 years at 12.74% APR, to repay your loan you will have to make 60 monthly payments of approximately $271.44. No down payment is required.
    4. Personal lines and personal loans are made available by Citibank, N.A.