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PERSONAL LOAN

Personal Loans

Get up to S$300 RedMart Vouchers*
when you apply for a Citi Personal Loan.

*Terms and Conditions apply.

Get up to S$300 RedMart Vouchers* when you apply for a Citi Personal Loan.

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 a Credit Limit Increase

Enjoy up to S$300 RedMart vouchers when you apply for a personal loan with us. Offer valid till 28 Feb 2019


Loan size/amount Loans booked with Permanent Credit Limit Increase Approved* during the Promotion Period Loans booked with No Permanent Credit Limit Increase Approved* during the Promotion Period
Minimum principal amount of
S$20,000
Get S$100 RedMart vouchers Get S$50 RedMart vouchers
Minimum principal amount of
S$40,000
Get S$300 RedMart vouchers Get S$150 RedMart vouchers


*Please note that should your income documents reflect a lower earned income than what is currently in our record, your current Combined Credit Card Credit Limit and/or Citibank Ready Credit Credit Limit will be reduced accordingly to reflect the prevailing earned income.
"Permanent Credit Limit Increase" refers to an increase in the aggregate overall permanent credit limit of the Eligible Customer's Credit Card and Ready Credit account(s). An Eligible Customer's request for Permanent Credit Limit Increase will require him/her to furnish income documentation for the bank's review and approval. For the avoidance of doubt, merely adjusting the apportionment of the credit limit between the Eligible Customer's Credit Card and Ready Credit account(s) without any overall increase in the aggregate overall permanent credit limit of the Eligible Customer's Credit Card and Ready Credit account(s) will not be considered a Permanent Credit Limit Increase.

To apply for a Credit Limit Review, please click here.

Note : Fulfillment of the RedMart vouchers will take place within 2 months from the end of the Promotion. Customer will receive a SMS and/or EDM by end Apr 19 with details on how to access to his/her RedMart codes.



Personal Loan Calculator


What is your existing relationship with Citibank?

How much do you need?

$1,000

$1000

Citibank Personal Loan

Nominal Interest Rate(p.a.) 0 %

Effective Interest Rate (p.a.) 0 %


Your Monthly repayment S$0

VIEW REPAYMENT SCHEDULE >

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 Program Terms and Conditions