Personal Loans Starting as Low as 7.49% APR*

A personal loan is personal. You decide how to use it.

Personal Loan

Let's get personal. At Citadel, we’re all about empowering you with the tools you need to build financial strength—and we know that looks different for everyone. With fixed rates starting as low as 7.49% APR,* a Personal Loan from Citadel can help you get what you need when you need it. Apply now.

Whether you're looking to pay for your wedding, refinish the basement, supplement college costs, or plan the trip of a lifetime, a Personal Loan is yours. You decide how to use it.

  • Large Purchases
  • Debt Consolidation
  • Education Expenses
  • Emergency Fund

See How Much You Can Save

  Citadel Personal Loan  High-Interest Rate Credit Card**
Loan Amount  $15,000  $15,000
Rate  7.49% 19.99%
Term  36 Months 47 Months
Payment  $467 $467
Interest Paid  $1,796 $6,654
Potential Interest Saved  $4,858  

Not sure if a Personal Loan is right for you? Schedule an appointment to discuss which financial tools could help you build a brighter future.

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Personal Loan Rates

Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

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Additional Features

Best For...
Large purchases or unexpected expenses
Consolidating higher-rate credit cards or loans into one monthly payment
Supplementing college or education costs
Covering home renovation costs

Discuss your personal loan options today!

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On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
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✔ Apply for a loan
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*Agreements and Disclosures

View *Agreements and Disclosures

Information accurate as of and is subject to change without notice. You must be at least 18 years of age to qualify. Incomplete and/or inaccurate application information may result in automatic denial of credit. If we have received a credit application from you in the last 90 days we may consider this application to be a duplicate. If approved for a loan, minimum loan amount is $500 and maximum loan amount is $20,000. Federally guaranteed student loans should not be consolidated because you will lose important federal benefits.

*APRs for personal loan range from 7.49% - 17.99%. The maximum term available for the 7.49% APR is 36 months. Not all applicants qualify for the lowest rate. Lowest rates are reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income and a variety of other factors. Loan amount, APR and availability of additional terms are based on creditworthiness. This offer may not be used to pay off or pay down any other Citadel loan.

**Interest calculation for the example High-Interest Rate Credit Card is based on a $15,000 balance with a $467 monthly payment at an interest rate of 19.99%.

If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $5 initial deposit. This savings account will give you access to a variety of Citadel’s products and services.