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Good Day Loans

Citi Personal Loan

Best for: borrowers who want a capped apr and no fees

APRs from 9.99% to 17.49% with no origination fees, no late fees and no prepayment penalty.

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

At a glance

APR
9.99–17.49%
Amount
$2K–$30K
Terms
1 year – 5 years
Min. score
Not published

Example: borrowing $2,500 over 3 years with good credit would cost about $84 a month and $526 in interest and fees.

Strengths and trade-offs

Strengths

  • APR tops out at 17.49%
  • No origination fees, late fees or prepayment penalty
  • Funds as soon as the same business day when deposited to a Citi account

Trade-offs

  • Loans are $2,000 to $30,000 for most borrowers
  • Terms are 12 to 60 months
  • Minimum credit score is not published

How it compares

The starting APR is 1.25 percentage points above the median of the 12 personal loans we track (8.74%). Bars below share one scale.

5% APR40% APR

Rates, fees and terms

APR range
9.99% – 17.49%
Loan amount
$2,000 – $30,000
Terms
1 year – 5 years
Origination fee
None
Minimum credit score
Not published by the lender
Time to funding
As soon as the same day
Prepayment penalty
None
Collateral
Unsecured
Lender type
Bank
  • The 9.99% starting APR includes a 0.5% discount for enrolling in automatic payments.
  • Existing Citi customers with an eligible checking or savings account, or a Citi credit card, may be eligible for up to $50,000.
  • Funds arrive within 2 business days when deposited to a non-Citi bank account.

Figures read from citi.com on Sep 28, 2026. Terms change without notice, so confirm with the lender.

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