Don't have a Citi Credit Card or Citibank Ready Credit account for your Personal Loan?

Readily available cash from your
Citi Credit Card
or Citibank Ready Credit Account

Get big things done in an instant

Convert your unutilised credit limit to cash in your Citi Deposit Account in 60 seconds*.

Cash on your terms

Get it anytime on your mobile phone and repay with plans up to 60 months.

Simple and Hassle-free

No documents required and no hidden fees.

*Instant disbursement is available only for Citi Deposit Accounts displayed during the funds disbursement option.

Get a Citi Quick Cash quote

I need
over
for my
=
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.
  • Application via Citi Mobile® App
  • Application via Non Citi Mobile® App

Application via Citi Mobile® App

How it works on the Citi Mobile® App

How it works on the Citi Mobile® App - Step 1
1

Login to the Citi Mobile® App

How it works on the Citi Mobile® App - Step 2
2

Select Credit Card Account

How it works on the Citi Mobile® App - Step 3
3

Swipe left to go to Quick Cash, then tap "Get Started" and key in the amount of cash you need before tapping "Next"

How it works on the Citi Mobile® App - Step 4
4

Select Repayment Plan and tap "Next"

How it works on the Citi Mobile® App - Step 5
5

Select your Citi account to receive your loan proceeds instantly, or if you prefer another bank of your choice, key in the details and tap "Confirm"

How it works on the Citi Mobile® App - Step 6
6

Your funds will be credited into your Citi account. For non-Citi account holders, it will take 5 working days to get your funds

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 -Achieve the Wedding of your Dreams
Wedding
Citi Quick Cash helps you achieve the wedding of your dreams.
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.

Download Citi Mobile® App to get Citi Quick Cash

Download on the App Store GET IT ON Google Play

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 you applications online, you can reach out to our Citiphone officers at +65 6225 5225.

Terms & Conditions

Click here to view Citi Quick Cash Terms and Conditions

Personal Loans Interest Rates and Fees

For new Citibank Credit Card or Ready Credit holder (≥ SGD 20,000 loan amount):

Tenure (months) 12 24 36 48 60
Nominal Interest Rates (per annum) 4.11% 4.00% 3.99% 4.01% 4.05%
Effective Interest Rates (per annum) 7.50% 7.50% 7.50% 7.50% 7.50%

For new Citibank Credit Card or Ready Credit holder (< SGD 20,000 loan amount):

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.

Get Quick Cash now

1. Citi Quick Cash loan is drawn on your available credit limit in respect of your Citibank Ready Credit or Credit Card account. Accordingly, you are required to have a Citibank Ready Credit or Citi Credit Card account to be offered a Citi Quick Cash loan.

2. By clicking on “Apply Now’, you will be applying for a Citibank Ready Credit account and for a Citi Quick Cash loan on such account.

3. To find out more about Citibank Ready Credit account and its related fees and charges, please click here

4. If you wish to have Citi Quick Cash on a Credit Card account 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.

Apply now