Citibank

Citibank Personal Loan

Need cash quickly? Apply for Citibank Personal Loan and get fast approval with no processing fee, no guarantor required and low interest.

    • Financing up to RM150k
    • Up to 5 years tenure
    • Unsecured Loan
    • 24 hours approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

Loan up to 8x Your Gross Monthly Income with Citibank Personal Loan

Get a Free Bayers Stand Mixer upon Disbursement

Apply online now for Citibank Personal Loan

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Citibank Personal Loan

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Citibank website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Not the personal loan you're looking for? Did you know you can compare all the personal loan in Malaysia?

Interest Rates

How much the bank charges you based on your loan amount & loan period

You BorrowLoan PeriodYour IncomeInterest Rate
RM5000 - RM15000024 to 60 monthsmin. RM480007.9% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
As low as 7.9% p.a., depending on loan amount and period
Early Termination Fee
RM200 or 3% of remaining amount, if loan is settled within first 2 years or before reaching half its tenure
Late Penalty Fee
1% from current outstanding amount

Requirements

Are you eligible for this personal loan?

Minimum annual income
RM48000
Minimum age
21 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Permanent Residents

Frequently Asked Questions about Citibank Personal Loan

Things you might want to know

What do I need to know about the Citibank Personal Loan?

Citibank's Personal Loan is a plain, no frills unsecured loan charging a flat rate of interest. There are no processing fees and you won't need a guarantor or any collateral.

How much money can I borrow?

The Citibank Personal Loan offers borrowing between RM5,000 and RM150,000. So, depending on the outcome of your credit check, you can get a loan of up to 8x your monthly income - applicable for those earning RM5,000 and above each month.

What do I need to apply for this Citibank loan?

This personal loan requires you to be a member of Citibank's credit card, personal loan, home loan or hire purchase for at least 2 years upon application. In order to process your application you will be asked to provide some supporting documentation. To qualify for this personal loan, salaried employees and folks who are self-employed need to earn at least RM48,000 per year. If you're self-employed, your business must be established for more than 2 years.

Salaried Employee

  • Copy of MyKad (front and back)
  • Last two months' payment slips and EPF or 3 months' bank statements

Self-Employed

  • Copy of MyKad (front and back)
  • Business Registration Certificate or Operating License
  • Last 6 month’s bank statements

How do I pay the money back?

Loan repayments begin on the first day of the month following the date you received the money you’ve borrowed. Payments need to be made every month until the total amount of the loan is repaid.

How about if I make a late payment?

You will be charged 1% p.a. on the oustanding amount for the month, on top of the prescribed loan interest rate!

Can I pay this Personal Loan off early?

Of course you can. If you find you have extra cash and want to clear your loan before it is due, you can finish before time by paying the full outstanding amount. You'll pay RM200 or 3% of the outstanding balance (whichever is greater) as an early payment fee if you settle within the first 2 years, or before half of the repayment tenure is over. 

Read More