Apply for a Low-Interest Personal Loan Online and Enjoy an APR as Low as 11.99%*

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

Enjoy a Personal Loan with No Monthly Fees and a Low APR

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

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. Apply now.

Citadel Personal Loans offer:

  • Fixed rates as low as 11.99% APR*
  • A fixed monthly payment
  • No annual fee
  • No prepayment fee
  • Control your monthly payment with flexible loan terms 36 months to 84 months
  • Cash deposited directly into your Citadel account

See How Much You Can Save:

  Citadel Personal Loan  High-Interest Rate Credit Card**
Loan Amount  $15,000  $15,000
Rate  11.99% 19.99%
Term  36 Months 43 Months
Payment  $498 $498
Interest Paid  $2,932 $5,997
Potential Interest Saved  $3,065  

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

Get started with a Personal Loan today!

Apply Now

Why Choose Citadel?

forbes best-in-state credit union

Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.

Here’s why you should join us:

single checkmark Better rates & low (or no!) fees
single checkmark No tricks or hidden selling tactics
single checkmark Personalized banking experiences, online & in-person
single checkmark Open to anyone who lives or spends time in Southeast PA
single checkmark All you need to do is open a $5 savings account to join

Learn More

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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 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.