Citizens Personal Loans
Personal loans from $5,000 to $50,000 with no origination fees. Autopay discount. Existing Citizens customers may get reduced rates.
Last checked on May 16, 2026. We may earn a commission when you click through.
Citizens Personal Loans offer flexible borrowing options without origination fees, making them an attractive choice for many borrowers.
Citizens Personal Loans
Updated 17 hours agoAt a Glance
Representative APR
7.49–22.44%
Loan Amount
$5,000–$50,000
Term
36–84 mo
Decision
—
About this loan
Citizens Personal Loans offer a flexible borrowing range with competitive rates and no origination fees. However, borrowers should weigh the potential downsides before applying.
Our Verdict
Citizens Personal Loans offer flexible borrowing options without origination fees, making them an attractive choice for many borrowers.
Best For
These loans are best for existing Citizens customers who may qualify for reduced rates and those seeking amounts between $5,000 and $50,000.
Watch Out
New borrowers should be aware of the relatively high APR range of 7.49% to 22.44%, especially if they have lower credit scores.
What Customers Say
Feedback from borrowers indicates a mix of satisfaction with loan terms but concerns about customer service responsiveness.
Expert Analysis
If you're looking for a personal loan without origination fees, Citizens could be a solid option. They provide loan amounts ranging from $5,000 to $50,000 and terms between 36 to 84 months. Existing customers may enjoy even lower rates, which adds value for loyal clients.
The APR for these loans starts at 7.49% and goes up to 22.44%, which may not be the most competitive in the market. For example, SoFi offers starting rates at 6.99% for borrowers with good credit. It's essential to assess your credit score, as the minimum requirement is 660.
We noticed that while Citizens has straightforward terms, their customer service reputation can be hit or miss. Some borrowers report delays in responses, which could be a concern if you're in a hurry. Additionally, be mindful of potential hidden fees that might arise during the loan process.
In summary, Citizens Personal Loans cater well to existing customers and those looking for no origination fees, but new borrowers should compare rates to ensure they get the best deal available.
You'll be redirected to citizensbank.com
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
You might also like
APR
19.9–35.95%
Amount
$300–$10k
Term
12–48mo
No minimum credit score required
US resident in eligible state
LightStream Personal Loan
PersonalAPR
6.49–24.89%
Amount
$5k–$100k
Term
24–240mo
No specific requirements listed
Best Egg Personal Loans
PersonalAPR
6.99–35.99%
Amount
$2k–$50k
Term
36–60mo
No specific requirements listed
Alliant Credit Union Personal Loans
PersonalAPR
6.75–16.0%
Amount
$1k–$50k
Term
12–60mo
No specific requirements listed
Upgrade Personal Loans
PersonalAPR
7.74–35.99%
Amount
$1k–$50k
Term
24–84mo
Minimum credit score 600
US citizen or permanent resident
Payoff Credit Card Payoff Loan
PersonalAPR
7.95–35.99%
Amount
$5k–$40k
Term
24–60mo
No specific requirements listed
Related Articles
American Express Business Line of Credit: Flexible but Costly
Discover if American Express' line of credit is the perfect fit for your business needs. Is the fee model worth it?
Smart Car Finance: Top Picks for Every Need This April
Looking to finance your next car? Explore our top auto loan picks, from budget-friendly options to premium choices.
Top Student Loan Picks for April: Best Rates and Fast Approvals
Explore the best student loan options this April, balancing low rates and quick approvals. Discover which loans suit your needs and budget.
Top Personal Loans for April: Best Rates and Quick Approvals
Discover the best personal loans available this April, tailored for different needs. From low APRs to fast approvals, find your perfect match.
Unlocking the Best Car Finance Deals for April: What You Need to Know
Discover top car finance options this April that cater to diverse needs and budgets. From budget-friendly picks to premium choices, here's how to navigate the market.
Student Loan Options for 2026: Best Picks for Every Need
Explore the top student loan choices for April 2026, from budget picks to refinancing options tailored for fair credit. Find the right fit for your education financing needs.