Citizens Bank Personal Loan Ratings & Reviews

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Citizens Bank Personal Loan

About Citizens Bank Personal Loan

Personal Loans from $5,000 to $50,000 Rates from 6.49%* - 19.49%* (6.49% *- 19.49% *APR) with two discounts available that could save you up to 0.50% on your rate, as low as 5.99%* - 18.99%* (5.99%* to 18.99%* APR) No fees ever. Have the money...

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Personal Loans from $5,000 to $50,000 Rates from 6.49%* - 19.49%* (6.49% *- 19.49% *APR) with two discounts available that could save you up to 0.50% on your rate, as low as 5.99%* - 18.99%* (5.99%* to 18.99%* APR) No fees ever. Have the money you need, right when you need it.  Have the funds in your account right away, often within 2 business days.
*Fixed interest rates from 6.49% - 19.49% (6.49% - 19.49% APR) based on applicable terms. Lowest rates range from 5.99%-18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.

LOYALTY DISCOUNT: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

AUTOMATIC PAYMENT DISCOUNT: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens One Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount.