Since Citibank only offers loans to existing customers, it will use your bank account information as a factor when making a loan approval decision. Citibank may assess your transactions and your income to determine affordability in addition to checking your credit score and debt to income ratio. So, it is likely that you will need an account in fair or good standing to qualify. If you can't meet the minimum requirements, you can compare personal loan companies or check out some great alternatives to personal loans.