Citibank Personal Loans | Latest Instant Approval Rates and Loan Offers – Apply Now
Updated: 15 Oct 2025
MoneyHero has compiled all of Citibank’s personal loan plans, so you can check the latest loan interest rates and offers. This includes Citi Tax Season Loans, Citi Fast Cash Personal Loans, and Citi Credit Card Balance Transfer Plans, with actual annual interest rates as low as 1.4% and repayment periods of up to 72 months! Apply now to enjoy MoneyHero’s limited-time exclusive offers.
Loan | Monthly Repayment | MoneyHero Reward | Total Interest | APR | ||
|---|---|---|---|---|---|---|
 | Citi Speedy Cash Personal Loan | HK$25,189 | HK$7,700 | HK$2,268 | 1.30 % | |
 | Citi Tax Season Loan | HK$25,189 | HK$57,700 | HK$2,268 | 1.30 % | |
 | Citi Card Debt Consolidation Loan | HK$25,720 | HK$7,700 | HK$8,640 | 5.40 % |
Total Interest
HK$ HK$
2,268Total Repayment
HK$ HK$
302,268APR
1.30 %Handling Fee
HK$ HK$
0For a Citi Speedy Cash Personal Loan of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
You'll also receive the following welcome gift(s) directly from the provider:
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
- Same-day approval and same-day loan disbursement
- The loan amount is up to 12 times of the monthly salary or HK$3,500,000, whichever is lower
- Repayment term up to 60 months, HK$0 handling fee
- No hidden terms and conditions
Eligibility
Minimum Age: 18 years old
Min. Annual Income: $72,000
Required Documents
- Hong Kong Identity Card
- Income proof (for example: latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number))
- Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
- Latest residential address proof (for example: electricity bill or bank statement)
- Any other documents or certificates deemed appropriate.
Key Features
- The annualized percentage rate (“APR”) ranges from 1.30% to 35.78%, with repayment period of 6 to 60 months.
- The Annualized Percentage Rate ("APR") of as low as 1.30% (taking into account HK$2,000 cash rebate) or 1.40% (without any cash rebate) is calculated based on the monthly flat rate 0.063% with loan amount of HK$3,500,000 and repayment tenor of 12 months
- The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HKD3,500,000 with 12 months repayment period, the monthly flat rate is 0.063% (APR 1.40%, excluding any cash rebate) and the total loan repayment amount is HKD3,526,460 (including full handling fee waiver). The above example is for reference only.
Remarks:
- The Annualized Percentage Rate ("APR") of as low 1.30% (taking into account HK$2,000 cash rebate) or 1.40% (without any cash rebate) is calculated based on the monthly flat rate 0.063% with loan amount of HK$3,500,000 and repayment tenor of 12 months, and is applicable to Citigold Private Client customers with Citi ULTIMA. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer's profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate
- Loan amount of Citi Speedy Cash is up to 12x times of your monthly salary or HK$3,500,000, whichever is lower.
- Repayment period of Citi Speedy Cash is of 6 to 60 months.
- Application hotline service hours: Monday to Friday 9:30am – 6:30pm (not applicable to Hong Kong public holiday).
- “Instant Disbursement Upon Loan Approval” is only applicable for disbursement to participating banks of Faster Payment System (FPS), and is subject to Citi’s loan approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Processing time may vary in some cases depending on the actual circumstances of individual applications.
To borrow or not to borrow? Borrow only if you can repay!
Total Interest
HK$ HK$
2,268Total Repayment
HK$ HK$
302,268APR
1.30 %Handling Fee
HK$ HK$
0For a Citi Tax Season Loan of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
You'll also receive the following welcome gift(s) directly from the provider:
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
- Instant disbursement upon loan approval*
- The loan amount is up to 12 times of the monthly salary or HK$3,500,000, whichever is lower
- Repayment term up to 60 months, HK$0 handling fee
- No hidden terms and conditions
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$72,000
Required Documents
1. HK Identity Card
2. Income proof,
e.g. latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)
3. Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
4. Latest residential address proof (e.g. electricity bill or bank statement)
5. Any other documents or certificates deemed appropriate.
Key Features
- The annualized percentage rate (“APR”) ranges from 1.30% to 35.78%, with repayment period of 6 to 60 months.
- The Annualized Percentage Rate ("APR") of as low as 1.30% (taking into account HK$2,000 cash rebate) or 1.40% (without any cash rebate) is calculated based on the monthly flat rate 0.063% with loan amount of HK$3,500,000 and repayment tenor of 12 months.
- The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HKD3,500,000 with 12 months repayment period, the monthly flat rate is 0.063% (APR 1.40%, excluding any cash rebate), and the total loan repayment amount is HKD3,526,460 (including full handling fee waiver). The above example is for reference only.
Remarks:
- The Annualized Percentage Rate ("APR") of as low as 1.30% (taking into account HK$2,000 cash rebate) or 1.40% (without any cash rebate) is calculated based on the monthly flat rate 0.063% with loan with loan amount of HK$3,500,000 and repayment tenor of 12 months, and is applicable to Citigold Private Client customers with Citi ULTIMA. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer's profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate
- Loan amount of Citi Tax Season Loan is up to 12x times of your monthly salary or HK$3,500,000, whichever is lower.
- Repayment period of Citi Tax Season Loan is of 6 to 60 months.
- Same day approval and same day loan disbursement is only applicable to selected customers who successfully submit the required documents together with a filled in application form before 10am of that working day (Monday to Friday). Actual approval and loan disbursement time may differ based on the information provided.
- Application hotline service hours: Monday to Friday 9:30am – 6:30pm (not applicable to Hong Kong public holiday)
- “Instant Disbursement Upon Loan Approval” is only applicable for disbursement to participating banks of Faster Payment System (FPS), and is subject to Citi’s loan approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Processing time may vary in some cases depending on the actual circumstances of individual applications.
To borrow or not to borrow? Borrow only if you can repay!
Total Interest
HK$ HK$
8,640Total Repayment
HK$ HK$
308,640APR
5.40 %Handling Fee
HK$ HK$
0For a Citi Card Debt Consolidation Loan of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
You'll also receive the following welcome gift(s) directly from the provider:
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
- Repayment term up to 72 months, HK$0 handling fee
- Loan amount of Citi Card Debt Consolidation Loans is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower
- No hidden terms and conditions
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$72,000
Required Documents
1. HK Identity Card
2. Income proof,
e.g. latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)
3. Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
4. Latest residential address proof (e.g. electricity bill or bank statement)
5. Any other documents or certificates deemed appropriate.
Key Features
- The annualized percentage rate (“APR”) ranges from 5.40% to 35.78%, with repayment period of 6 to 72 months.
- The Annualized Percentage Rate ("APR") of as low as 5.40% is calculated based on the monthly flat rate 0.24% with loan amount of HK$1,200,000 and repayment tenor of 12 months.
- The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HK$1,200,000 with 12 months repayment period, the monthly flat rate is 0.24% (APR 5.40%), and the total loan repayment amount is HK$1,234,560 (including full handling fee waiver). The above example is for reference only.
Remarks:
- Loan amount of Citi Card Debt Consolidation Loans is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower.
- Repayment period of Citi Card Debt Consolidation Loans is of 6 to 72 months.
- The Card Debts example shown assumes that a minimum payment is made on a monthly basis (minimum payment being defined as [(Statement Balance – Finance Charge and Other Fees & Charges)x 1.5% + Finance Charge and Other Fees & Charges], subject to a minimum of HK$250, the monthly interest rate is 2.67%, the Annualized Percentage Rate ("APR") is 35.52% and the monthly repayment is the average of the first 6 month minimum payment rounded up to nearest dollar . An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. It also assumes that the monthly flat rate for a Citi Card Debt Consolidation Loan is 0.5% and the APR is 11.46% based on a 72 month repayment term. Interest is calculated on the basis of 365 days per year. The above example is an illustration and for reference only. The actual reduction of monthly repayment and total interest is subject to the Terms and Conditions of the customer's current credit card and/or personal loan and final approval of the loan amount and interest rate.
- Application hotline service hours: Monday to Friday 9:30am – 6:30pm (not applicable to Hong Kong public holiday)
To borrow or not to borrow? Borrow only if you can repay!
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