CitiAssist Undergraduate Loans

Apply Now for a Loan

CitiAssist ® Undergraduate Loans can fill the financial aid gap between the financial aid received and what is really needed to cover the cost of education. CitiAssist offers competitive interest rates, no payments while in-school, flexible repayment options and generous discounts.

Eligibility
Loan Limits
Great Rates
Repayment Terms
Postponement of Repayment
How to Apply

Eligibility:

Be enrolled or planning to attend an undergraduate program at least part-time at an accredited, approved college or university in the U.S.
If the loan you are requesting is for a previous academic period , the loan period must have ended less than 12 months in the past.
Students do not need to be making satisfactory academic progress in order to be eligible.
Your co-signer, if applicable, must be a U.S. citizen or permanent resident with a mailing address based in the U.S. and have a valid Social Security Number .
Unless you are applying under a special program, international students must be at least 18 years of age and must have a co-signer who is a U.S. citizen or permanent resident with a valid Social Security Number.

Loan Limits:

There are no annual loan limits. You can borrow up to the cost of education less any financial aid you have received. Your school will be asked to certify the amount for which you are eligible, so the final approved loan amount could be less than the amount that you request.

There is no minimum loan amount and high lifetime borrowing limits.

Great Rates:

As low as % (% APR)¹ (APR Examples)

CitiAssist Loans have flexible credit guidelines that can help you get approved at the best possible rates. Credit histories for you and any co-signer may be used as a factor in determining your eligibility for a loan. The interest rate charged is a reflection of the credit score of the applicant and a co-signer, if any. Apply Online to get a credit response in 3 minutes or less and see the interest rate for which you qualify.

Loan Fees as low as 0.00%
CitiAssist® Loans have flexible credit guidelines that can help you get approved at the best possible rate. On private loans the interest rate and fees charged are a reflection of the credit score of the applicant or co-signer. Our loan fees range from 0.00% to 5.00%² (APR Examples). Adding a creditworthy co-signer to your application can help you qualify for a no origination fee loan.

Repayment Terms:

Tip: Avoid late fees by submitting your payments in advance so they are posted to your account on or before the scheduled due date.

No Payments While In-School:

CitiAssist Loans do not require payments while you're in school or during the six month grace period . If interest is not paid while you are in school, it will be capitalized when the loan enters into repayment. You can choose to pay interest in order to lower monthly payments after you complete school. There are no pre-payment penalties.

Flexible Repayment Terms:

Undergraduate students have up to 20 years to repay their CitiAssist Loans plus any periods of deferment or forbearance.

Postponement of Repayment:

There is an interest only repayment option that is available for 24 or 48 month period. Or should you experience financial difficulty, just give us a call and we'll work with you.

How to Apply:

There are two ways to apply for a CitiAssist ® Loan:

When you apply online you can get a credit response in 3 minutes or less and see the interest rate for which you qualify before you sign.³

If you have a mailing address in the U.S. regardless of citizenship, you may be able to apply online. If you are an international student and do not have a valid Social Security Number, a customer ID will be assigned to you upon completion and approval of the online application. When you apply online, you may also electronically sign your application for the fastest processing.

Complete and submit a Paper CitiAssist Loan Application
If you prefer the traditional paper method or do not have a mailing address in the U.S., you can submit a paper application. To obtain an application, you may Download the PDF application (Adobe Acrobat Reader is required) or you may have an application mailed to you.

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