PAYLITE INSTALMENT LOAN

The One Hour Loan Promise.

Call 6238 8888 or visit any Citibank branch.

For New Customers APPLY NOW

The one hour loan promise.

Citibank Ready Credit PayLite

  • Get your loan approved in an hour. Call 6238 8888 or visit any Citibank branch.
  • Preferential interest rates.
  • Choice of flexible instalments up to 60 months.

For Existing Customers LOGIN & APPLY

How to Apply
Call us at 6238 8888 or Visit any Citibank branch Online - Click-for-Cash

Get your loan approved in an hour.

Steps to apply:

Step 1: Login to Citibank Online

Step 2: Go to Menu -> Services
Under Cards Services -> Click-for-Cash

Step 3: Input loan amount and tenure

Step 4: Submit online!

For Salaried employee:

  • A photocopy of the front and back of your NRIC.
  • Past 12 months' CPF statement submitted via www.citibank.com.sg/cpf
    OR
    Latest Income Tax Notice of Assessment and latest original computerised payslip.

For Self-Employed:

  • A photocopy of the front and back of your NRIC.
  • Last 2 years' Income Tax Notice of Assessment and last 3 months' bank statements.


Click here for a list of Citibank Branch locations.
Rates

PayLite Interest Rates and Tenures

No interest rate with upfront service fee*

Tenure 6 months 12 months 18 months
Effective Interest Rate 14.82% 15.20% 13.63%
Upfront Service Fee 3.00% 6.60% 9.00%

Preferential interest rate with no service fee

Tenure 12 months 24 months 36 months 48 months 60 months
Effective Interest Rate 15.80% 14.25% 13.50% 14.00% 14.00%
Nominal Interest Rate 8.76% 7.76% 7.39% 7.79% 7.92%

* No interest rate with upfront service fee, offer is not available for online application.

PayLite Interest Rates and Tenures (for SmartCash customers only)

No interest rate with upfront service fee*

Tenure 6 months
Effective Interest Rate 19.95%
Upfront Service Fee 4.00%
Tenure 12 months 24 months 36 months
Effective Interest Rate 17.97% 19.02% 19.57%
Nominal Interest Rate 10.00% 10.50% 11.00%

As a Citigold client, you will enjoy preferential interest rates. Click here to find out more.


Cancellation fee

3% of outstanding unbilled principal amount or S$100 whichever is higher.

The loan amount will be deposited into the bank account of your choice within 3-5 days of approval.

Tools & Resources
Choice of credit made easy.
Eligibility
  • Citibank Ready Credit PayLite is valid for customers within minimum annual income of S$30,000.

Citibank Ready Credit PayLite Programme Terms and Conditions:

You are applying for: Citibank Ready Credit PayLite

Our Citibank banking officer will give you a call by the next business day to complete the application.

 

* Mandatory fields

* Mandatory fields

Existing Citibank Customer?*:

Yes No

Name*:

NRIC/Passport No./FIN*:

Mailing Address*:

Email*:

Mobile Number*:

Annual Income*:

* I confirm that I:

  1. am applying for the Citibank Ready Credit PayLite
  2. have provided accurate and complete details about myself in this form;
  3. agree to the terms of Customer Declarations & Confirmation; and
  4. consent to Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone.