Loading - Citibank Personal Loan Online Application


Instant loan in a minute

Get your personal loan approved and disbursed
instantly via Citi Mobile® App and take home
S$300 RedMart vouchers*.

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.

Double up your rewards
with Citi Mobile App®

Enjoy up to S$300 RedMart vouchers when you apply for a personal loan via Citi Mobile App®

Loan size/amount Loans booked via
Citi Mobile App®*
Loans booked via other Online Channels
Minimum principal amount of S$7,500 Get S$100 RedMart vouchers Get S$50 RedMart vouchers
Minimum principal amount of S$12,500 Get S$300 RedMart vouchers Get S$150 RedMart vouchers

*Citi Mobile App® offer is applicable to existing Citi Credit Card customers who take up a personal loan on their cards.


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) Terms and Conditions |
Citibank 1 Hour Loan Approval Program Terms and Conditions