Lower Your Monthly Payments

Consolidate with a Personal Loan and enjoy rates as low as 5.99% APR*!

With Citadel's special low interest rates, now is a great time to get the cash you need.

Use your loan to pay off higher rate credit card or other loan balances. Pay unexpected bills or finance a major purchase. With Annual Percentage Rates as low as 5.99% APR*, you will save money compared to other, higher-rate loans.

Citadel Personal Loans offer:

  • Fixed rates as low as 5.99 APR%*
  • A fixed monthly payment
  • No annual fee
  • No prepayment fee
  • Control your monthly payment with flexible loan terms 36 months to 7 years
  • Cash deposited directly into your Citadel account

An estimated example of monthly payments on $1,000 borrowed at a 5.99% APR:

Term by Months Monthly Payment 
 36 $31
 48 $24
 60 $20

Consolidate with a Personal Loan Today!

Apply Now

So Many Great Reasons to Consolidate with Citadel

  • paymentImproved Cash Flow
  • flexibilityFlexibility
  • clipboard check, featureFast Approval
  • peace of mindPeace of Mind

Find an ATM or Branch Near You

*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 11.99% - 17.99%. The maximum term available for the 11.99% 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.