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Personal Loans

Get extra cash at 4.55% p.a. (EIR 8.5% p.a.) with
Citi Personal Loan

*based on 36 months tenor

Apply for Citibank personal loan right now!

Planning a wedding or a home renovation? Faced with an emergency or investing in a business opportunity? It’s at these times that you could use some extra cash without having to wait long for the processing of your loan application.

Convert your credit line on the Citibank Ready Credit account, or your credit limit on your Citibank Credit Card into an easy instalment loan. Enjoy flexible repayment options ranging from 12 to 60 months at attractive rates.

Personal Loan Calculator

What is your existing relationship with Citibank?

How much do you need?



Citibank Personal Loan

Nominal Interest Rate(p.a.) 0 %

Effective Interest Rate (p.a.) 0 %

Your Monthly repayment S$0


What you need to know about this loan.

Fill In Your Details

You are applying for: Citibank Personal Loan

Our Citibank banking officer will give you a call by the next business day to complete the application. The products and services mentioned in this application are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey. This application is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products or services mentioned herein to such individuals.

* Mandatory fields

Existing Citibank Customer?*

Yes No

* I confirm that I:

  1. am applying for the Citibank Personal Loan
  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.
Personal Loan Interest Rates and Fees for New Citibank Customer

For new Citi Credit Card or Ready Credit holder:

Tenure (months) 12 24 36 48 60
Nominal Interest Rates (per annum) 4.94% 4.82% 4.55% 5.72% 5.79%
Effective Interest Rates (per annum) 9.00% 9.00% 8.50% 10.50% 10.50%

Note: Loans with 0% interest rate with upfront service fee option are available.

Upon approval, the funds will be deposited within the next working day into your Citibank account or up to 5 working days for non-Citibank account.

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

Personal Loan Eligibility and Documents Required

For new customers:

Singaporean/PR Foreigner

Minimum annual income of S$30,000

Minimum annual income of S$42,000

For Salaried Employees:

  • A photocopy of the front and back of your NRIC
  • Past 12 month's CPF statement submitted via CPF web-link
    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
  • A photocopy of the front and back of your Passport/Employment Pass
  • Latest Income Tax Notice of Assessment and latest original computerised payslip

Please email your supporting document to sgcardsales1@citi.com

Citibank Quick Cash (Credit Card) and Citibank Ready Credit Paylite (Ready Credit) Program Terms & Conditions (until 27th Jan 2019)

Citibank Quick Cash Program Terms & Conditions (effective 28th Jan 2019)