Citi vs Discover
Citi LOANS charges 9.99% APR with no minimum balance or monthly fees, while Discover LOANS offers a lower 7.99% APR under identical terms. Discover is better for borrowers seeking lower interest costs; both carry $0 minimums and monthly fees with FDIC protection.
How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 8/23/2026.