What is your relationship with Citi?

  • New to Citi clients
  • Existing Citi Credit Card or Ready Credit clients

New to Citi clients

Enjoy low interest rates and affordable monthly repayments

Competitive rates

As low as 3.45% p.a.
(E.I.R 6.5% p.a.)

Get big things done in an instant

Get your cash within the next working day*

Cash on your terms

Get it anytime with flexible repayment options from 12 to 60 months

Up to 4x your monthly income

Personal loan up to 4x your monthly income



Apply for your loan here


The promotions, products and services mentioned in this application are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This application is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the [products and services] mentioned herein to such individuals.

All fields are mandatory

  • Am applying for Citi Credit Card or Citibank Ready Credit;
  • Have provided accurate and complete details about myself in this form;
  • Agree to the terms of Customer Declarations & Confirmation;
    and
  • Consent to the Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone.

    Consent to the Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone. You can find more information about Privacy here >>

  • Agree to opt for Electronic Statements.

    (To receive paper statement, please call Citiphone at 6225-5225.)

Citi Quick Cash Calculator

Get a quote

I need
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for my
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from
$494.00 /month
The monthly repayment amount is an estimation and may differ based on the interest rates offered to you based on your customer's profile.
Citi Quick Cash Interest Rates and Fees for New to Citi Customers

For new to Citi customers:

Tenure (months) 12 24 36 48 60
Nominal Interest Rates (per annum) 3.56% 3.46% 3.45% 3.46% 3.48%
Processing Fee (%) 0.00% 0.00% 0.00% 0.00% 0.00%
Effective Interest Rates (per annum) 6.50% 6.50% 6.50% 6.50% 6.50%

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.


Maximum Effective Interest Rate (E.I.R) Per Annum across all tenors is 6.5%


Cancellation fee: $100 or 3% of the outstanding loan amount, whichever is higher.

Citi Quick Cash Eligibility and Documents Required

The promotions, products and services mentioned in this application are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This application is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the [products and services] mentioned herein to such individuals.


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

Enjoy interest rates from as low as 3.45% p.a today (EIR 6.5% p.a.)

Applicable to new Citi Credit Card or Citibank Ready Credit account holders only.
Apply Now

How others are using Citi Quick Cash

Citi Quick Cash - Covers your Medical bills
Medical expenses
Citi Quick Cash covers your medical bills so you can focus on your recovery with ease.
Citi Quick Cash - Finance your renovation costs
Home Renovation
Citi Quick Cash finances your renovation costs so you can build your ideal home.
Citi Quick Cash - Fund your Further Studies
Education
Citi Quick Cash funds your education so you can further your studies anywhere.

Frequently Asked Questions

What is Citi Quick Cash?

Citi Quick Cash allows you to convert your Citi Credit Card / Citi Ready Credit available credit limit into cash, payable in monthly instalments along with your monthly payment.

What can I use for Citi Quick Cash for?

Right from big ticket purchases to home renovations, you can avail a Citi Quick Cash for any type of expenses. On the other hand, you can also apply for a Citi Quick Cash to pay for urgent expenses such as medical bills, business expenses, unexpected repairs and much more. With Citi Quick Cash, the possibilities are endless.

Where can I check the interest rates and repayment amount of the Citi Quick Cash loan?

You can check the interest rates and repayment amount of Citi Quick Cash during your loan booking application.

Does Citi offer flexible repayment options?

You can select repayment plans options ranging from 12 to 60 months at attractive rates.

What is the minimum income required to apply for a personal loan?

Minimal annual income for main applicant to qualify for personal loans:

  • S$30,000 for Singaporeans and PRs
  • S$42,000 for foreigners

What are the documents required to apply for Citi Quick Cash?

Existing Citi Credit Card / Citibank Ready Credit customers

Existing Citi Credit Card/ Citibank Ready Credit customers need not furnish any documents to apply for Citi Quick Cash.

For new customers

For salaried employees:

  • A photocopy of the front and back of your NRIC
  • Past 12 month's CPF statement submitted via CPF website
    OR latest Income Tax Notice of Assessment and latest original computerized 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

For foreigners:

  • A photocopy of the front and back of your Passport/Employment Pass
  • Latest Income Tax Notice of Assessment and latest computerized payslip

How to apply?

Existing Citi Credit Card/ Citibank Ready Credit customers

Existing Citi Credit Card/ Citibank Ready Credit customers can apply for the Citi Quick Cash by logging onto Citi Mobile® App or Citibank Online.

Click here to apply now.

For new customers

Citi Quick Cash will require you to have a Citibank Ready Credit or Citi Credit Card to grant the loan.

If you wish to have Citi Quick Cash on a Ready Credit Account, you can start your application by clicking here. To find out more about Citibank Ready Credit account, click here

If you wish to have Citi Quick Cash on a Credit Card instead, you will need to apply for a Credit Card first and contact us to book Citi Quick Cash on the card. To find out more about the type of credit cards you can apply, click here.

I am having issues applying online. Who can I look for?

For any enquiries on your applications online, you can reach out to our Citiphone officers at +65 6225 5225.

How will my repayment behavior (for this Program and outstanding balances from my previous monthly statements) incur additional finance charges to my Citi Credit Card / Citibank Ready Credit account?

The instalments from this Program are billed to the Citi Credit Card (CC)/Citibank Ready Credit (RC) account monthly similar to a normal retail purchase.

If you pay or had paid less than the total amount due indicated on your credit card current or previous monthly statements of account on or before the payment due date OR did not pay the full minimum payment amount within 30 days from the relevant payment due date indicated on the Citi Ready Credit account, the instalments will be subject to the usual finance charges (fees or APR interest).

Please note that this Program will take more than the scheduled term to pay off in full if only minimum amount due is paid on your CC and less than minimum amount is paid on your RC

Terms & Conditions

Click here to view Citi Quick Cash Terms and Conditions

Click here to view Citi Quick Cash Terms and Conditions (Revision from 08 July 2021)

*For existing Citi Credit Card and Citibank Ready Credit customer. Cash is disbursed instantly for Citi Deposit Accounts displayed during the disbursement option. For disbursement to other bank accounts, it will take up to 5 working days.