The higher your rating means a better chance, and friendlier terms, like lower interest rates, because you are considered lower risk. What is an interest rate. Simply put, an interest rate is the amount at which a lender charges you to use their money or credit.

It is usually a percentage and is based citibank personal loan united states the annual percentage of the average outstanding balance. You may have an 8 interest rate, which means you will be paying, over the course of the loan, 8 annually, on the average annual percentage of the amount you owe.

Mathematically it looks like this: interest principal x rate x time. What are citibank personal loan united states most common types of loans. The most common types of loans are personal loans (typically for smaller purchases), credit cards, home equity loans (where you borrow against the equity youve built up in your home), mortgages, home equity lines of credit (similar to home equity loan, but you have a revolving line of credit), cash advances (offered by credit card companies, or any entity that will loan money based on an expected future income), small-business loans (for entrepreneurs or established small businesses looking to expand), and consolidated loans (usually used to pay off debt and mortgages loans for homes).

Auto, home, and student loans are also three very common loans.

Citibank personal loan united states

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Citibank personal loan united states

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Citibank personal loan united states