• Interest Rate (p.a.)

    15.59% - 17.65%

  • Loan Tenure

    1 - 5 years

  • Approval Duration

    Up to 24 hours

  • Min. monthly income



Apply now and get approved the next day!

Apply for a Citibank Personal Loan and get approved within the next 24 hours.

Loan calculator
Loan amount
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Monthly salaryRM0
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What's so great about Citi Personal Loan?
  • Get approved within 24 hours!
  • Have a standby credit line of up to P2,000,000.
  • Loan tenor from 12 to 60 months.

Product Features

Min. financing amount₱20,000
Max.financing amount Up to ₱2,000,000
Min. loan tenure12 months
Max. loan tenure5 years
Interest rateFixed rate of 26.9% to 37.9% per annum (Effective Interest Rate)
Approval durationUp to 24 hours
Debt consolidationNo

Fees & Charges

One time set up
Processing feeN/A
Stamp duty₱1.00 for every ₱200,00 of the installment loan approved that passed the criteria for determining the applicability of DST based on local laws and regulations
Disbursement & misc. fee₱1,750.00 for each disbursement
Annual feeA payment of ₱200.00 or amount equivalent to the credit balance, whichever is lower will be charged for an inactive account every month, in case of any remaining overpayments on inactive or closed Ready Credit accounts
Other feesReturned Check Fee - ₱1,500.00 will be charged for every returned check /bounced post-dated check.
Early settlement4% of the unbilled principal component of each installment loan
Late payment charges₱500.00 or 6% of the Past Due Amount, whichever is higher
Other penaltiesPost Dated Check Deferment - ₱1,000.00 will be charged for every post-dated check (PDC) that you request to defer/delay


Age requirementAge 21 - 65
Employment eligibilityAt least ₱21,000.00 monthly income
Min. salary requirement₱21,000 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?No
Other detailsMethod of Payment - Cash, Online banking , Check or ATM Transfers

Product Review byiMoney

Citibank Personal Loan FAQ

How much can I borrow?

With a Citibank Personal Loan, borrow as much as P2,000,000, subject to approval.

What are the Citibank Personal Loan Requirements?

An applicant must fulfill Citibank’s eligibility criteria for a loan:

  • Must be 25 to 65 years old
  • Must be a Filipino citizen or
  • Local resident foreigner with a valid Philippine billing address
  • Must have a credit card
  • If employed:
    • With minimum annual income of P252,000

Consequently, after filling out an application form, the following documents are necessary:

  • Two (2) valid IDs with photo and signature (ex. passport, driver's license, GSIS e-Card, SSS photo card ID, TIN photo card)
  • ITR or BIR 2316 or latest 3 full months pay slip
  • Photocopy of the front side of any active credit card (must be active for at least 6 months for Citi® Card and at least 1 year for Cards from other banks)

*Additional documents may be required during credit evaluation.

How does the Citibank Personal Loan Calculator work?

The Citibank Personal Loan calculator computes the estimated cost of borrowing and amount of payment per instalment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

If you are looking for personal loans offered by other banks in the Philippines, you may also consider:

Standard Chartered EZ Personal Loan
  • With Standard Chartered EZ Personal Loan, you can quickly address your urgent cash needs for any purpose. Borrow from ₱20,000 to ₱2,000,000 with 14.4% interest rate per annum at the very least. The maximum loan tenure would be up to 4 years, and the minimum monthly income requirement is ₱24,167.

  • Maybank Enable Personal Loan
  • With a low, monthly income requirement of just ₱18,000, Maybank Enable Personal Loan offers one of the more attractive options in the market today. You can borrow any amount from ₱50,000 to ₱1,000,000 and enjoy one of the lowest interest rates at 13.2% per annum. The maximum tenure is 3 years.

  • HSBC Personal Loan
  • You can enjoy payment flexibility and fast approval time with HSBC Personal Loan. Get to choose flexible payment terms from 6 to 36 months and borrow from ₱30,000 up to ₱500,000 with minimum interest rate of 14.52% per year. Get approved easily with a low minimum income requirement of just ₱14,000 per month.

  • If you're still looking for other options, you can view the full list of Cash Loan available on our website and compare which one matches your need.