The Citi is a personal loan from Citi. Application typically pulls a credit report from Equifax. The ongoing APR is 10.24% - 18.49% fixed (rates as of 9-29-2026, includes 0.25% autopay discount at low end). Typical credit limit: $2,000 - $30,000 (new-to-Citi); up to $50,000 for existing Citi card / eligible deposit customers. Loan terms: 12-60 months. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.