Apply for a low interest personal loan online and enjoy an APR as low as 6.99%*.

Use a Personal Loan to consolidate high interest credit card debt or give yourself financial flexibility. Applying for a loan online is quick & easy.

Enjoy an unsecured personal loan with no monthly fees and a low APR.

Use your personal loan to pay off a credit card or other high interest loan balance, consolidate debt into one payment, or to finance a major purchase. With our low personal loan rates, you could save money by consolidating expenses into one fixed monthly payment.

Citadel Personal Loans offer:

  • Fixed rates as low as 6.99 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 a $1,000 personal loan with a credit score of 750, borrowed at 6.99% APR.

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

Compare rates & find the best personal loan term that meets your needs.

Get started with a Personal Loan today!

Apply Now

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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 21 years of age to qualify. Incomplete 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 APR 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.


APR = Annual Percentage Rate. Federally Guaranteed Student Loans should not be consolidated because you will lose important federal benefits.


Upon approval, Citadel will open a savings account in your name 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.


All offers are subject to credit approval.