Personal Loans Starting as Low as 12.24% APR*

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

Personal Loan

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

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 12.24% 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  12.24% 19.99%
Term  36 Months 43 Months
Payment  $500 $498
Interest Paid  $2,995 $5,997
Potential Interest Saved  $3,002  

Personal Loan Rates

Apply Now

When to Get a Personal Loan

When to Get a Personal Loan

Could a personal loan be right for you? Learn more and determine if one makes sense for your financial needs.

What Is Debt Consolidation and Do I Need to Do It?

What Is Debt Consolidation and Do I Need to Do It?

If you're trying to pay off multiple debts, you may want to consider debt consolidation. A loan could be a option for you--but be sure it fits your financial lifestyle.

Home Renovations: HELOCs vs. Home Equity Loans

Home Renovations: HELOCs vs. Home Equity Loans

Unlock the power of your home's equity and get the funds you need for home improvements by tapping into a HELOC.

What You Need to Know:

Hear From Our Members

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 12.24% - 17.99%. The maximum term available for the 12.24% 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 $498 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.