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Best Citibank Personal Loan Rates and Offers Comparison

Compare Citi personal loans with MoneyHero, including Citi Tax Season Loan, Citi Speedy Cash, and Citi Card Debt Consolidation Loan. To save the hassle of sifting through extensive terms and conditions, we provide comparisons of Citibank personal loans’ interest rates, loan amounts, repayment terms, application rewards and offers, as well as MoneyHero exclusive offers. Explore a world of possibilities with Citibank personal loans, brought to you by MoneyHero.
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Citi Bank Loan Amount HK$200,000 to be repaid in 24 months
HK$
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Exclusive offer Best Price Guarantee Application incentive Small size loan

Citi Speedy Cash Loan (For Tax Season)

Citi Speedy Cash Loan (For Tax Season)
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$
Exclusive offer Best Price Guarantee High Reward Application incentive

Citi Tax Season Loan

Citi Tax Season Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$
Exclusive offer Large size loan Application incentive Loan amount up to 21x monthly salary

Citi Card Debt Consolidation Loan

Citi Card Debt Consolidation Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

Citi Bank Personal Loan Features

Annualized Percentage Rate (APR) as low as 1.78%

  • Citibank Tax Season Loan
  • Citibank Speedy Cash Loan

Quick Facts for Citi Personal Loans:

Citibank Tax Season Loan

The tax loan offered by Citibank in 2024 features an Annualized Percentage Rate (APR) as low as 1.78%, without any hidden terms and conditions or handling fee. You can access the funds you need without delay thanks to potential same-day approval and loan disbursement, providing relief from your financial burden during the tax season. 

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Citibank Speedy Cash Loan

With Citi Speedy Cash, you can potentially obtain an approval, receive cash or have the loan deposited into your designated Citibank account as quickly as the very same day. It offers an APR as low as 1.78%, and a maximum loan of HK$3.5 million or 12 times your monthly salary. There are no handling fees for loan application, and you can enjoy a repayment period of up to 60 months. Residents of Hong Kong aged 18 or above are eligible to apply.

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Citibank Card Debt Consolidation Loan

Citi Card Debt Consolidation Loan allows customers to consolidate and settle all their debts in one go by borrowing up to a maximum of HK$1.2 million or 21 times their monthly salary. The loan amount will be directly used to settle borrowers’ outstanding credit card balances or loans from other financial institutions. Any remaining balance will be deposited into their designated bank account. Borrowers of Citi Card Debt Consolidation Loan enjoy an APR as low as 8.64%, with a repayment period of up to 72 months.

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Citibank Personal Loan FAQ

How long is the repayment period for Citibank's personal loan programs?

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The repayment period for Citi Speedy Cash ranges from 6 to 60 months, while Citi Card Debt Consolidation Loan provides a choice between 6 to 72 months.

Will Citibank check TU records or credit scores?

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Yes, applying for a Citi personal loan involves a review of applicants’ credit records, including information about their credit accounts, overdue accounts, credit inquiry records, past repayment details, etc.

What is the Citibank loan hotline?

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You can call the Citibank loan hotline at (852) 2963 6477 to apply for a loan from Monday to Friday, between 9:00 a.m. and 7:00 p.m. Applying through MoneyHero will net you more rewards versus applying through phone.

Interest rates of Citibank’s loans

Citi Tax Season Loan boasts a competitive APR as low as 1.78%. This rate stands out as one of the lowest among bank loans, significantly lower than Standard Chartered's personal loan at 1.85%, HSBC's Personal Instalment Loan at 2.25%, and Bank of East Asia's Tax Season Loan at 5.63%.

Citi Card Debt Consolidation Loan is available at APRs starting from 8.64%, which is higher than most other debt consolidation loans offered in the market. For instance, this rate is higher than Hang Seng Bank's Debt Consolidation Instalment Loan at 4.65% and Bank of China's Express Cash Instalment Loan Balance Transfer at 5.93%, but lower than the 7.19% offered by China CITIC Bank International’s $mart Plus Personal Instalment Loan.

Approval time for Citibank’s personal loans

Upon submission of the required documents for a loan application, whether it is done online, through the loan hotline, or in person at Citibank, customers can expect a dedicated loan officer to follow up on their application within 1 to 3 business days. This will be regardless of the application’s outcome. The loan officer will then initiate a telephone confirmation process and assist with the loan disbursement procedures.

For applications and document submissions completed before 10:00 a.m. on a business day (Monday to Friday), it is possible to get same-day approval and disbursement of loan.

Use of Citi’s loans

There are no restrictions on how to use the personal loans offered by Citibank. Customers can consider Citi Speedy Cash for those who require cash flow for marriage, investments, car purchase, home renovations, further education, medical expenses, and more. For consolidating debts and settling credit card balances, Citi Card Debt Consolidation Loan is a suitable option. While customers can choose the Citibank loan programs based on their individual needs, it should be noted that the monthly flat rate and APR may vary depending on individual financial circumstances.

How to apply for Citibank personal loan?

  1. Click on MoneyHero’s “Apply Now” button, enter your email to get started on your reward journey and go through to the Citibank website
  2. Click on "Apply Now" and provide your personal information, including your name, mobile phone number, and email address
  3. Select the loan amount and repayment period
  4. Submit the required supporting documents
  5. After submitting the application, the loan can be approved and disbursed as quickly as the same day.

Application requirements and documents needed for Citibank’s loan application

Citibank personal loans have relatively little application requirements. Applicants only need to be permanent residents of Hong Kong aged 18 or above, employed for a minimum of 3 months in their current job, and have a monthly salary of HK$6,000 or above to qualify for the loans.

To complete the application for a Citibank loan, applicants are required to provide the following documents: Hong Kong permanent identity card, proof of address, income proof such as the most recent month's pay slip or the past 3 months' bank statements. Additionally, for the Citi Tax Season Loan, tax demand notes will also need to be submitted.

Citibank loan fees

Handling fee

Applying for a Citibank personal loan incurs no handling fees, and there are no hidden terms or conditions.

Early repayment fee

If a customer opts for an early repayment, a fee of typically 1.5% (depending on the remaining repayment period) will be charged based on the loan amount and the early repayment date.

Extension fee

If a customer wishes to change the loan's due date or extend the repayment term, an extension fee will be charged. If the request for an extension is made before the loan is disbursed, the fee will be calculated based on the number of days, loan interest, and the outstanding loan amount. The extension period cannot exceed 45 days. As for a request made after the loan has been disbursed, the customer will be charged the aforementioned "extension fee" as well as an additional HK$100 (in the event the desired new due date is more than 1 month away from the original date).