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          SAY YES to your big day.

          Pay for your engagement, wedding or honeymoon with a Citizens Bank Personal Loan.
          Loans from $5,000-$50,000. No collateral needed. No fees ever.

          Benefits of a Citizens Bank Personal Loan

          No fees ever

          No application fees. No annual fees. No late fees. No fees at all.

          No collateral

          You don’t have to use your home or any other assets to qualify.

          Access to funds

          Have the funds in your account right away, often within 2 business days.

           

          What to Know About Getting a Personal Loan

          • How does the Citizens Bank Personal Loan impact my credit?
            A key ingredient of your credit score is having a good track record of making on-time payments.  By making on-time monthly payments on your Personal Loan, you may be able to help your credit score, while paying down potentially higher-interest rate debt.  Keep in mind that failing to make on-time payments could harm your credit.  Use Rate Quote to check your rate using a soft pull that will not affect your credit score. Submitting a full Application after Rate Quote will result in an inquiry on your credit report.
          • What are the interest rates offered?
            Check out our rate & repayment1 examples for current interest rates.
          • What interest rate discounts are available?
            Two great discounts can save you up to 0.50 percentage points on your rate. Take 0.25 percentage points off with our Loyalty Discount and 0.25 percentage points with our Automatic Payment Benefit.2
          • What's the difference between interest rate and APR?
            The interest rate is the amount charged to borrow money. The APR (Annual Percentage Rate), combines the interest rate and any other fees associated with the loan, to show the true cost of borrowing as an annual rate for each year of the loan term.
          • Are there fees for the Citizens Bank Personal Loan?
            The Citizens Bank Personal Loan has no fees.
          • What is a rate quote?
            A rate quote allows applicants to request an interest rate estimate without completing a full personal loan application. Your final interest rates and loan terms will be based on the verified information entered in your loan application.
          • How does the Citizens Bank Personal Loan impact my credit?
            A key ingredient of your credit score is having a good track record of making on-time payments.  By making on-time monthly payments on your Personal Loan, you may be able to help your credit score, while paying down potentially higher-interest rate debt.  Keep in mind that failing to make on-time payments could harm your credit.  Use Rate Quote to check your rate using a soft pull that will not affect your credit score. Submitting a full Application after Rate Quote will result in an inquiry on your credit report.
          • What are the interest rates offered?
            Check out our rate & repayment1 examples for current interest rates.
          • What interest rate discounts are available?
            Two great discounts can save you up to 0.50 percentage points on your rate. Take 0.25 percentage points off with our Loyalty Discount and 0.25 percentage points with our Automatic Payment Benefit.2
          • What's the difference between interest rate and APR?
            The interest rate is the amount charged to borrow money. The APR (Annual Percentage Rate), combines the interest rate and any other fees associated with the loan, to show the true cost of borrowing as an annual rate for each year of the loan term.
          • Are there fees for the Citizens Bank Personal Loan?
            The Citizens Bank Personal Loan has no fees.
          • What kind of credit is required?
            We will need to see a reasonably strong credit history.
          • What is the minimum income required for a Citizens Bank Personal Loan?
            The minimum income required for a Citizens Bank Personal Loan is $24,000.
          • Will this loan application impact my credit score?
            The Citizens Bank Personal Loan is a credit-based loan which will be seen as an inquiry on your credit report.
          • How will I receive the loan funds?
            Approved borrowers will need to provide us with a U.S. domicile bank account, in their name, and routing information. The loan proceeds will be disbursed directly to the bank account provided.
          • What is a rate quote?
            A rate quote allows applicants to request an interest rate estimate without completing a full personal loan application. Your final interest rates and loan terms will be based on the verified information entered in your loan application.
          • How do I request a rate quote?
            You can request a rate quote by accessing our rate quote tool. It takes as little as 2 minutes. Once you review your personalized interest rate quote, you may continue on to complete the online application.
          • Will a rate quote have an impact on my credit score?
            A rate quote only uses a soft credit pull, which does not affect your credit score. A full application results in an inquiry on your credit report.
          • What information will I need to request a rate quote?

            You will need the following personal information in order to request a rate quote:

            • Name
            • Social Security Number
            • Date of Birth
            • Address
            • Email Address
            • Phone Number
            • Loan Amount

          • How long are the rates offered in the rate quote available to me?
            The interest rates offered in the rate quote are what you will receive if you continue and apply for a Citizens Bank Personal Loan in session by selecting 'Apply Now' from the rate quote results page. If you come back at a later time, the initial rate quote offer may no longer be available to you. You may return at any time to request a new rate quote.
          • Can a co-applicant request a rate quote?
            Yes. The primary borrower and co-applicant can each request a rate quote. When you submit a Citizens Bank Personal Loan application, the final interest rates and loan terms offered will be based on the higher of the two FICO scores.
          • Who can apply for the Citizens Bank Personal Loan?
            Anyone that has reached the age of majority in their state of residence (the age of majority is 18 years old. In Alabama, the age of majority is 19 and in Puerto Rico, it is 21.), is a U.S. Citizen or permanent resident, and has a valid social security number may apply. To be approved for the loan, all applicants need a good credit history and current income sufficient to repay the debt.2
          • How much may I finance?
            The Citizens Bank Personal Loan is available in loan amounts ranging from a minimum of $5,000.00 to a maximum of $50,000.00.
          • How many personal loans can a borrower have at one time?
            The Citizens Bank Personal Loan program is limited to one open and active loan per borrower.
          • How can I check the status of my loan application?
            Applicants and co-applicants may check their loan application status by logging into our website with their username and password. Also, applicants who include a cell phone number in their application may choose to receive updates and messages from the Citizens Bank Personal Loan Application Assistant.3
          Call 1-888-333-0104

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