Best Citibank Personal Loan Rates and Offers Comparison
Citi Speedy Cash Loan (For Tax Season)
- 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
* The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
- Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
* Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
* A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
* Each eligible customer can enjoy the Reward once during the promotion period
* "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
* The Annualised Percentage Rate ("APR") of 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months. The actual APR applicable may differ. 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.
* To borrow or not to borrow? Borrow only if you can repay!
Citi Tax Season Loan
+ 9 other gift options
Valid until
02 April 2024
+ 2 other gift options
Valid until
02 April 2024
+ 15 other gift options
Valid until
02 April 2024
- 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
[MoneyHero Exclusive Offer]
From 7 March 2024 12 noon to 2 April 2024 6 p.m., successfully apply for Citi Tax Season Loan or Citi Card Debt Consolidation Loan on MoneyHero , choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHeron exclusive offer
Gift Options
Loan amount HK$2,000,000 or above + repayment period at least 12 months
Loan amount from HK$800,000 to HK$1,999,999 + repayment period at least 12 months
Loan amount from HK$300,000 to HK$799,999 + repayment period at least 12 months
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Gift Options
[MoneyHero Exclusive Offer] Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR $1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 26 March 2024 12 noon to 2 April 2024 6 p.m., apply for the Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero as a new customer
- For more details about the promotion, please see Terms and Conditions
- Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 January 2024 to 2 April 2024 and drawdown the loan on or before 14 April 2024 will be entitled to the following welcome offer
Gift Options
Repayment period at least 25 months + loan amount HK$1,500,000 or above
Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999
Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999
Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above
Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999
Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999
- The application of Citi Tax Season Loan or Citi Debt Consolidation Loan must be successfully applied on or before 2 April 2024.
The application date is subject to Citibank’s system records
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
For more details about the promotion, please see Terms and Conditions
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
- Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
- Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
- A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
- Each eligible customer can enjoy the Reward once during the promotion period
- "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
- The Annualised Percentage Rate ("APR") of 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$3,500,000 and repayment tenor of 12 months. The actual APR applicable may differ. 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.
- To borrow or not to borrow? Borrow only if you can repay!
Citi Card Debt Consolidation Loan
+ 9 other gift options
Valid until
02 April 2024
+ 2 other gift options
Valid until
02 April 2024
+ 15 other gift options
Valid until
02 April 2024
- Same-day approval and same-day loan disbursement
- 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
[MoneyHero Exclusive Offer]
From 7 March 2024 12 noon to 2 April 2024 6 p.m., successfully apply for Citi Tax Season Loan or Citi Card Debt Consolidation Loan on MoneyHero , choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHeron exclusive offer
Gift Options
Loan amount HK$2,000,000 or above + repayment period at least 12 months
Loan amount from HK$800,000 to HK$1,999,999 + repayment period at least 12 months
Loan amount from HK$300,000 to HK$799,999 + repayment period at least 12 months
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Gift Options
[MoneyHero Exclusive Offer] Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR $1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 26 March 2024 12 noon to 2 April 2024 6 p.m., apply for the Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero as a new customer
- For more details about the promotion, please see Terms and Conditions
- Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 January 2024 to 2 April 2024 and drawdown the loan on or before 14 April 2024 will be entitled to the following welcome offer
Gift Options
Repayment period at least 25 months + loan amount HK$1,500,000 or above
Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999
Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999
Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above
Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999
Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999
- The application of Citi Tax Season Loan or Citi Debt Consolidation Loan must be successfully applied on or before 2 April 2024.
The application date is subject to Citibank’s system records
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
For more details about the promotion, please see Terms and Conditions
- Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
- Each eligible customer can enjoy the Reward once during the promotion period
- The annualized percentage rate (“APR”) ranges from 8.64% to 35.78%, with repayment period of 6 to 72 months.
- The Annualized Percentage Rate ("APR") of as low as 8.64% is calculated based on the monthly flat rate 0.38% 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$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
- 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$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
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
1. Hong Kong Permanent Resident 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.
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.
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.
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.
Citibank Personal Loan FAQ
How long is the repayment period for Citibank's personal loan programs?
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?
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?
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?
- Click on MoneyHero’s “Apply Now” button, enter your email to get started on your reward journey and go through to the Citibank website
- Click on "Apply Now" and provide your personal information, including your name, mobile phone number, and email address
- Select the loan amount and repayment period
- Submit the required supporting documents
- 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).