Apply Today! Call your local CitiFinancial^® branch office, 800-995-2274

The following section is not intended for review by residents of Arizona, Hawaii, Texas or West Virginia. CitiFinancial offers Home Equity loans through our local branch offices; please call 800-995-2274 to apply today.

Borrow More and Pay Less Interest

Turn the equity you've built up in your home into borrowing power. With a CitiFinancial Home Equity Loan, you can qualify for more money at a lower rate than with most personal loans and credit cards. Some lenders allow you to borrow only 75-80% of your home's value, but CitiFinancial can lend up to 85% loan-to-value*.

CitiFinancial's Home Equity Loans are more affordable, too. Unlike the interest on credit cards, auto loans and other personal loans, the interest you pay on a CitiFinancial Home Equity Loan is usually tax deductible**. Because the loan is secured by your home, you may qualify for a lower rate than with a typical personal loan or credit card. Tax-deductible interest and a lower interest rate can add up to big savings! To apply, call 800-995-2274.

Put Your Home to Work for You!

Whether you're making home improvements, buying a car, paying off bills or saving for college tuition, CitiFinancial's Home Equity Loan is a very smart idea. Borrow more money than with a personal loan, and benefit from terms and payments that fit your budget. What a great way to pay off higher-rate loans and credit cards.

Before you refinance your existing balance to obtain additional money, you should carefully consider the advisability of increasing your debt, your monthly obligations and the term of repayment. The overall cost of refinancing an existing loan balance may be greater than the cost of separate financing, if it is available. Refinancing may increase the aggregate number of monthly payments needed to repay the debt and the aggregate amount you pay over the term of the loan.

*  Texas law limits the loan-to-value to 80%.
** Consult your tax advisor for details.

Who Can Qualify?

CitiFinancial makes home equity loans with a loan-to-value ratio of up to 85%, which means more money from your home than most banks can give you. Our loans are granted on a home you live in (not on rental property), and closing costs and fees are usually included in the loan. Calculating the value of your home and the amount of equity you have in it is the first step. Use the home equity calculator to help determine what your home is worth. We have several types of home equity loans available, including those designed for people who have little or no equity in their homes. Please contact us for details at 800-995-2274 or visit your neighborhood CitiFinancial branch office.

Equal Housing Lender