Discover offers loans with a lower maximum and very similar rates to Citibank. You can use the proceeds of your loan for almost any purpose. The application process is fully digital, which does speed up approval. You can expect to receive your loan funds within one business day. However, this does come at a cost. You must have a credit score of at least 720
. So, if you have bad credit and you are already a Citi customer, Citibank could be a better option. Otherwise, you may want to check Discover first.