Citizens Bank personal loans: Review these 2025 alternatives

Citi is one of the largest banks in the U.S. by assets managed. It offers zero-fee personal loans of up to $30,000 that can be direct-deposited into existing Citi accounts as soon as the same day, or within two business days for non-Citi accounts. Existing Citi members will receive a 0.25 percent interest rate discount, and there is an additional 0.50 percent APR discount for enrolling in automatic payments. On the other hand, Citi’s maximum loan amount is low compared to other lenders, and it does not allow cosigners or co-borrowers. Citi also does not disclose its minimum credit score requirement.

LightStream is a 2025 Bankrate Awards winner for best home improvement personal loan. It offers some of the highest loan amounts in the industry at $100,000, along with terms of up to 84 months. Its annual percentage rates (APRs) start at an unusually low 6.99 percent, including a 0.50 percent automatic payment discount. LightStream does not offer prequalification and will conduct a hard credit check when you apply, which may lower your credit score whether you are approved or not.

TD Bank is a 2025 Bankrate Awards winner for “best personal loan from a bank.” It offers the option of face-to-face customer service at around 1,100 physical branch locations throughout the East Coast. It offers a low maximum APR and does not charge origination fees. Conveniently, TD Bank also allows customers to choose their payment date. However, it requires a high credit score to qualify and its loans max out at a relatively low $50,000. Its range of terms isn’t as broad as some other lenders offer.