9 Best Citizens Bank Loan for International Students: (Instant Funding)

International students often face financial challenges while pursuing their academic dreams in the U.S.

Citizens Bank is one of the top lenders offering student loans designed to meet the unique needs of international students.

This guide highlights the 9 best Citizens Bank loans for international students and other competitive alternatives, like College Ave and Prodigy Finance, that provide funding solutions for your studies.

Best Citizens Bank Loan for International Students

Loan Provider	Loan Amount	Co-signer Requirement	Interest Rates	Loan Terms	Eligibility Requirements
1. Citizens Bank Student Loan	Up to $150,000	Yes	5.47% – 12.04%	Up to 15 years	U.S.-based co-signer required.
2. Sallie Mae Student Loan	Up to $200,000	Optional	4.62% – 13.83%	Up to 15 years	Enrollment in a U.S. institution required.
3. Discover Student Loans	Up to $200,000	Yes	5.49% – 12.39%	Up to 15 years	U.S.-based co-signer with strong credit required.
4. Wells Fargo Private Loan	Up to $120,000	Yes	5.94% – 11.75%	Up to 15 years	Co-signer required for international students.
5. Ascent Private Loan	Up to $200,000	No (for select borrowers)	4.48% – 13.01%	Up to 15 years	Partnered school enrollment required.
6. College Ave Student Loan	Up to $100,000	Yes	5.99% – 13.74%	5 to 15 years	Co-signer and valid visa required.
7. MPOWER Financing	Up to $100,000	No	7.49% – 14.98%	Up to 10 years	Enrollment in partner schools only.
8. Prodigy Finance Loan	Up to $100,000	No	8.00% – 12.50%	Up to 20 years	Enrollment in partner graduate programs required.
9. Earnest Student Loan	Up to $250,000	Yes	4.45% – 12.78%	5 to 20 years	Co-signer with a valid SSN required.

1. Citizens Bank Student Loan

Citizens Bank offers private student loans tailored to cover undergraduate and graduate expenses.

Their loans are a popular choice for international students due to competitive rates and flexible repayment options.

• Loan Amount: Up to $150,000.
• Interest Rates: 5.47% to 12.04%, depending on the credit profile of the borrower or co-signer.
• Loan Terms: Up to 15 years, with deferred and interest-only repayment plans available.
• Eligibility Requirements: Requires a U.S.-based co-signer with a strong credit history. Students must be enrolled at least half-time in an eligible program.

2. Sallie Mae Student Loan

Sallie Mae is renowned for its flexible loans that cover undergraduate, graduate, and career training programs.

• Loan Amount: Up to $200,000, depending on the degree program.
• Interest Rates: 4.62% to 13.83%, available as fixed or variable rates.
• Loan Terms: Up to 15 years, with deferred, fixed, and interest-only repayment options.
• Eligibility Requirements: Optional co-signer for international students; must be enrolled in a U.S. institution.

3. Discover Student Loans

Discover provides private loans with zero fees, making it an attractive option for international students.

• Loan Amount: Up to $200,000, based on cost of attendance.
• Interest Rates: 5.49% to 12.39%, determined by the co-signer’s creditworthiness.
• Loan Terms: Up to 15 years, with in-school and deferred repayment options.
• Eligibility Requirements: Requires a U.S.-based co-signer with a strong credit profile.

4. Wells Fargo Private Loan

Wells Fargo offers education loans with competitive interest rates and no application or origination fees.

• Loan Amount: Up to $120,000 for undergraduate degrees.
• Interest Rates: 5.94% to 11.75%, available in both fixed and variable options.
• Loan Terms: Up to 15 years, with various repayment options.
• Eligibility Requirements: Requires a U.S.-based co-signer and enrollment in an accredited U.S. program.

5. Ascent Private Loan

Ascent provides flexible private loans with options for students with or without a co-signer.

• Loan Amount: Up to $200,000.
• Interest Rates: 4.48% to 13.01%, with fixed and variable options.
• Loan Terms: Up to 15 years.
• Eligibility Requirements: International students need to be enrolled in a partner school. Some cases require a co-signer.

6. College Ave Student Loan

College Ave offers straightforward student loans with competitive terms and easy online management.

• Loan Amount: Up to $100,000.
• Interest Rates: 5.99% to 13.74%, based on credit and co-signer history.
• Loan Terms: 5 to 15 years, with repayment flexibility.
• Eligibility Requirements: Requires a co-signer, proof of enrollment, and a valid visa.

7. MPOWER Financing

MPOWER Financing specializes in loans for international students without requiring a co-signer.

• Loan Amount: Up to $100,000.
• Interest Rates: 7.49% to 14.98%, depending on program and repayment plan.
• Loan Terms: Up to 10 years.
• Eligibility Requirements: Enrollment in a partner university or college is required.

8. Prodigy Finance Loan

Prodigy Finance offers loans exclusively for international graduate students.

• Loan Amount: Up to $100,000, covering tuition and living expenses.
• Interest Rates: 8.00% to 12.50%, with no co-signer needed.
• Loan Terms: Flexible repayment terms of up to 20 years.
• Eligibility Requirements: Must be enrolled in an eligible graduate program at a partner institution.

9. Earnest Student Loan

Earnest provides loans with customizable repayment terms and no fees.

• Loan Amount: Up to $250,000.
• Interest Rates: 4.45% to 12.78%, with fixed and variable options.
• Loan Terms: 5 to 20 years.
• Eligibility Requirements: Requires a co-signer with a valid Social Security Number (SSN).

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Conclusion

For international students in need of financial assistance, Citizens Bank offers some of the most reliable and accessible student loans.

With competitive rates and flexible repayment terms, they are an excellent option for funding your education.

Alongside other providers like College Ave and Prodigy Finance, this list of the 9 best Citizens Bank loans for international students ensures you have a variety of options to choose from.

Always compare rates, terms, and eligibility requirements before finalizing your decision.