CitiFinancial is the consumer finance division of CitiGroup, a financial services chain with over 2,100 offices in the U.S. and Canada. CitiFinancial offers personal loans to qualified borrowers for home improvement, debt consolidation, mortgages, vacations and unexpected expenses to be repaid with interest. CitiFinancial also offers a financial hardship program to find solutions if a customer can not repay their loan or are at risk of missing a payment.