Your Budget. Flexible Terms.

Consider a Citadel Personal Loan to reach your project or debt consolidation goals.

Personal Loan

Borrowing a low interest personal loan from Citadel is perfect for debt consolidation, making a large purchase, or covering an unexpected expense. With flexible terms to fit any budget, a personal loan with low interest rates is quick and easy to apply for online. In addition, customer's can also manage their loan and make payments through Online and Mobile Banking. Take advantage of Citadel's personal loan with low interest and starting consolidating your debit today!

Still have questions about our low interest personal loan or rates? Schedule an appointment today!

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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

  • Skip-a-Pay: With Citadel’s Skip-a-Pay, you can skip your loan payment for the next month it’s due. Log in to Online Banking and find out if you have an eligible loan today.
  • Online & Mobile Banking – Manage your loan and make payments anytime, anywhere. Learn more.
  • Payment Protection – Protect your loan from the unexpected. Learn more
  • Low interest rates
  • Low monthly payments
Best For...
Controlling your monthly payment over a longer loan term
Consolidating multiple loans into one monthly payment
Customers seeking a personal loan with low interest
Reduced monthly payments

Hear From Our Customers

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Loan Payment Calculator

The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule.

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Loan Information

Loan Amount($)

$0 $1,000,000

Annual Intrest Rate(%)

0% 40%

Term of loan (months)

Payment Schedule


Introducing Citadel Video Connect

Chat face-to-face with a Citadel Video Specialist in a secure environment from the comfort of home on your laptop, desktop computer, or mobile device using the Citadel Video Connect app. Please be sure to have your photo ID ready prior to beginning the call. Choose Video Connect above, or learn more about our Video Banking options.

Find an ATM or Branch Near You

Frequently Asked Questions

Does Citadel offer loans with low interest rates?
Yes, Citadel does offer loans with low interest rates.
What are the requirements I need to meet to qualify for a low interest Personal Loan?
To see if you qualify for a low interest Personal Loan simply submit an application today to see if you can be approved for our low rates!
Does Citadel offer Personal Loans with low interest?
Yes, Citadel offers low Personal loan interest rates.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

*Information accurate as of and is subject to change without notice. Applicant must be at least 18 years of age to qualify. All offers are subject to credit approval. Additional terms and conditions may apply, depending on the type of collateral and other terms offered or chosen. 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. Loan amount and your actual APR (Annual Percentage Rate) are based on credit worthiness. If approved for a loan, minimum loan is $500. Your APR will be between 6.99% and 17.99%. This offer may not be used to pay off or pay down any other Citadel loan. There are no application, origination, or prepayment penalty fees, but late fees and returned payment fees may be charged when applicable.

Federally Guaranteed Student Loans should not be consolidated because you will lose important federal benefits.

If you are not currently a customer, Citadel will open a savings account in your name upon approval and fund it with a $5.00 initial deposit. This savings account will give you access to a variety of Citadel's products and services.