• Interest rate (p.a.)

    15.16% - 16.50%

  • Loan Tenure

    1 - 5 years

  • Approval Duration

    Up to 24 hours

  • Min. monthly income


Loan calculator
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What's so great about Citi Personal Loan?
  • Get approved in as fast as 24 hours!
  • High loan amount of up to ₱2,000,000 (subject to approval)
  • 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 17% to 30.9% per annum (Effective Interest Rate)
Approval durationUp to 24 hours
Debt consolidationNo

Fees & Charges

One time set up
Processing feeN/A
Stamp duty₱1.50 for every ₱200.00 of the amount, subject to applicable laws and regulations
Disbursement & misc. fee₱1,750.00 for each disbursement
Annual feeN/A
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 the loan that is prepaid.
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 ₱2,000,000, subject to approval.

What are the Citibank Personal Loan Requirements?

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

  • Must be 21 to 65 years old
  • Must be a Filipino citizen or
  • Local resident foreigner with a valid Philippine billing address
  • Must have existing non-Citi credit card for at least 3 months or Citi credit card for at least 6 months
  • If employed:
    • With minimum annual income of ₱250,000

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 3 months 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.