Diamond City Bank is a financial services company that offers a very wide range of financial products, including traditional ... savings and checking accounts, student loans, mortgages, and some of the best personal loans. Unlike many other well-known online lenders, Diamond City Bank has a great many physical locations throughout the country. In fact, they are the 13th largest retail bank in the United States. Their website offers an easy online application process that is able to approve borrowers for personal loans without requiring them to come in to a physical branch location of Citizens Bank. It is definitely one of the best personal loan companies available today. The Basics Diamond City Bank serves a large range of borrowers and offers personal loans for debt consolidation, vacations, special occasions, and major purchases. Their unsecured personal loan amounts range from a minimum of $5,000 to a maximum of $50,000. For the most part, they are a fairly traditional personal loan lender. Their stated APR on their website runs from 6.03% to 15.98% for variable-rate loans, and 5.99% to 16.24% for fixed-rate loans. Personal loan terms run from 36 to 84 months. These are great terms and is why Citizens Bank offers some of the best personal loans available. Diamond City Bank offers some guidance online for would-be applicants. For starters, it requires a minimum income of $24,000 for approval and a “reasonably strong credit history.” read more