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This loan allows you to be ready for anything, anytime. With Citi Personal Loan, you can easily access cash through installment loan.
Loan Calculator
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.
| Min. Financing Amount | ₱100,000 |
| Max. Financing Amount | Up to ₱2,000,000 |
| Min. Loan Tenure | 12 months |
| Max. Loan Tenure | 5 years |
| Interest Rate | Annual Contractual Rate (ACR) of 26.9%. |
| Approval Duration | Up to 24 hours |
| One time set up | |
|---|---|
| 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 Fee | N/A |
| Other Fees | Returned Check Fee - ₱1,500.00 will be charged for every returned check /bounced post-dated check. |
| Penalties | |
|---|---|
| Other Fees | Closure Handling Fee of 4% 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 Penalties | Post Dated Check Deferment - ₱1,500.00 will be charged for every post-dated check (PDC) that you request to defer/delay |
| Age requirement | Age 21 - 65 |
| Guarantor / Collateral requirement | No |
| Min. salary requirement | Have a minimum gross annual income of Php 250,000 |
| Employment eligibility | Must be a principal credit cardholder |
| Need to open linked bank account? | No |
| Other details | Method of Payment - Cash, Online banking , Check or ATM Transfers |
Citibank, one of the leading international banks, opened its first branch in Manila back in 1902 under its predecessor, International Banking Corporation. Citibank Philippines, Citibank’s branch in the Philippines is currently the largest foreign commercial bank in the country. Citi Philippines offers a wide range, full-service financial portfolio that caters not only to the public sector but also to multinational companies, top-tier Filipino corporations, and other financial institutions as well. Given the depth of the services they offer and the years of experience under their belt, you are guaranteed to enjoy a high level of financial expertise partnered with quality customer service that can answer to every financial assistance you might need. Their Citi Ready Credit Personal loan offers additional funds using a fast, end-to-end solution for those in need of immediate cash flow. The entire online application process is quick and easy, and you can get your application results right away with a turnaround time of just 24 hours. Borrow loan amounts from as low as ₱20,000 up to ₱2,000,000 which you can pay with flexible terms starting 1 year to a maximum of 5 years. With a fixed rate of 26.9% effective interest rate per annum.
Advantages Of Applying With Citi Ready Credit Personal Loan:
If Citi has always been your trusted financial provider, you can view more details of their personal loan product below.
With a Citibank Personal Loan, borrow as much as ₱2,000,000, subject to approval.
Citibank can approve a loan as fast as 24 hours.
You can proceed with your loan application by applying through iMoney through our application form. After you click on "Apply", you will be sent to the Citi application page where you must continue the application process. An authorized Citi representative will contact you to progress with your application.
You can pay your Citibank personal loan online through various electronic funds transfer apps which additional charges may apply. Interest rate is 26.9% per annum.
An applicant must fulfill Citibank’s eligibility criteria for a loan:
Consequently, after filling out an application form, the following documents are necessary:
*Additional documents may be required during credit evaluation.
The Citibank Personal Loan calculator computes the estimated cost of borrowing and the amount of payment per installment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.
You can check your Citibank personal loan balance by opening the Citi Mobile app.
To check for your Citi personal loan status you can dial 1860 210 2484 for the 24/7 CitiPhone helpline. Next, you will have to quote your Citibank Personal Loan application number or form number. You will now get the status of your personal loan application. You can call this number regularly to track your application thoroughly.
You can receive your loan proceeds by selecting any of the following methods: (1) Branch pick-up - Credit to any of your bank accounts in the Philippines that accepts funds transfer from another bank or (2) Delivery of a Managers Check to your billing address
For security purposes, loan proceeds will only be released to the loan applicant.
You will start payment from the second succeeding month after getting your personal loan proceeds.
You can pay your Citibank personal loan online through NEFT, E-PAY or ACH/ECS.
To be able to pay your Citibank personal loan from BDO, you must first enroll your Citi account as a biller. After that, all you have to do is to login to the BDO website or mobile app, select Pay Bills/Payments, choose Citibank as the biller, select the card type and enter card number and then enter the amount to be paid.
There is a closure charge of 4% of the unbilled principal component of the loan that is prepaid.
Offering one of the longest loan repayment terms in the market at 5 years, Citi Ready Credit Personal Loan will allow you enough time and flexibility of paying back the debt at your convenience. The entire process, from application to approval is also fast, easy, and convenient, which allows you to receive an immediate response regarding your status. If these are the qualities you are looking for, then Citi Personal Loan is the right product suited to your needs.
With CIMB Personal Loan, you can quickly address your urgent cash needs for any purpose. Borrow from ₱30,000 to ₱1,000,000 with a fixed interest rate starting from 13.47% per annum and monthly add-on rate of 1.12% to 1.95%. The loan tenure would be from 1 up to 5 years, and the minimum monthly gross income requirement is ₱15,000. No processing, disbursement, and early settlement fees!
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.
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 a 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 Loans available on our website and compare which one matches your need.