Citibank offers the following packages: 1. One downside to Earnest are the shorter terms -- you’ll need to look elsewhere if you want a term longer than a few years. To qualify at Prosper, you must have a 640 credit score, a debt-to-income ratio under 50% and at least some state income. earn ThankYou® Points on their loan payments, Best Loans for Borrowers with Good Credit, 7.99% - 17.99% with discounts (rate may be higher), Online (up to $30,000 loan for existing customers only), by phone or in person, Existing Citibank customers, especially those with premier accounts or high deposit balances, Borrowers who can get a lower rate elsewhere, A Citibank deposit account balance of $500 or more (line of credit only), At least 3 months of tenure on a Citibank deposit account, a linked Citibank mortgage or a Citi credit card (line of credit only), At least 30 days tenure on a Citibank deposit account to apply for more than $12,500 (personal loan only), $2,000 - $12,500 for non-Citibank customers, $2,000 - $30,000 for customers who apply online, $2,000 - $50,000 for customers who apply by phone or in person, Annual fee: $50 (waived for customers who make at least one transaction per year and Citigold and Citi Priority customers). Forums. Live. Citibank's deposit products work a little differently than other banks. Citibank Prestige. Best for current Citibank customers looking to earn extra ThankYou Rewards Points each month. Compare other options. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice. Citi Instalment Plan is defined in the Unsecured Credit Terms and Conditions as a Fixed Payment Option. While Citibank doesn’t have very high rates, its lowest rates aren’t particularly competitive. You`ll earn 2X points at supermarkets and gas stations for the first $6,000 per year. did not previously have a Citibank Credit Card account that was terminated/closed (whether by the individual or by Citibank) in the last twelve (12) months immediately prior to the commencement of the Application Period; and. While Prosper has a lower range of rates than Citibank, its loans have shorter terms and lower loan amounts. Key benefit: 1 night refunded for 4-night hotel stays New customer: Apple Watch Series 3 Existing customer: $30 cash via PayNow Annual fee: $535 (No waiver) Minimum annual income: $120,000. To improve your chances of getting approved at Earnest, we recommend borrowers have good credit history, a demonstrated ability to save, a low debt-to-income ratio (excluding student loan and mortgage debt), a full-time job or job offer, no history of being charged overdraft, NSF or late fees and no recent bankruptcies. You’ll also have the freedom to choose your own repayments, although monthly minimums apply. Existing Customers - Citibank Australia Take control of your cash flow with Citibank Ready Credit and have funds available when you need them, be it everyday spending to one-off expenses. The catch is the offer is only for the new customers . Pay off other balances at a great low rate. An alternative to personal loans, credit cards and overdrafts Choose your own repayments each month, over the minimum monthly repayment Only pay interest on the amount you’ve borrowed, not on your entire credit limit Exclusive offer for existing Citi customers 4.9% p.a. Additionally, borrowers with a Citigold Account, Citi Priority Account or Citibank Account Package and clients of Citi Private Bank with a linked checking account can enroll in ThankYou® Rewards and earn ThankYou® Points on their loan payments if they make them through the eligible account. Learn about new Citibank promotions, bonuses, and offers here. Table of Contents [ hide] From now till 22 Nov 2020, Suitesmile is partnering with SingSaver and Citibank for an exclusive promotion offering Apple Watch SE for new customers or anyone who have not held a Citibank credit card in the past 12 … Affordable Access Banking: This basic package is for consumers who don't write checks. Upgrade to Citigold to earn up to HK$2,000 Cash Rebate. Some online lenders, such as SoFi, Earnest, LightStream and Best Egg, have APRs at or lower than 7%. The company has rates starting a full two percentage points lower than Citibank, and while you can’t borrow as much with Marcus, the application is completed online and you can receive funds within a few days. Like most banks, Citibank offers an APR discount called "Auto Deduct" to customers who enroll in automatic repayment of their loan through a qualifying deposit account. Qualifying applicants from 23 - 30 November 2020 will receive Apple AirPods PRO (worth $379) instead. Prosper works directly with medical and dental practices across the country to provide financing for a variety of procedures, such as cosmetic dentistry, bariatric surgery, fertility treatment and cosmetic and plastic surgery, and you may be able to apply directly at your doctor’s and dentist’s office.