Citibank Personal Loan

Apply Citibank Personal Loan to enjoy low-interest rates, higher financing limit and instant approval at zero processing fee. This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.

Citibank Personal LoanFinance Up to 10x Monthly Income
Interest Rate
From 5.33% p.a.
up to RM150k
up to 5 years
Loan Type
Unsecured Loan
Min. Income

Loan calculator

Interest rates

Based on your loan amount & loan period, the interest rates are as low as the following

You borrowLoan periodYour IncomeInterest rate
RM5,000 - RM150,00024 to 60 monthsmin. RM48,0005.33% p.a. - 9.8% p.a.

Fees & Charges

Interest Rate / APR
As low as 5.33% p.a.,depending on loan amount and period
Processing Fee
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
RM200 or 3%  of remaining amount, if loan is settled within the first two years or before reaching half its tenure.
Late Penalty Fee
 1%  from current outstanding amount, per annum, and charged daily on past due amount.


Minimum Annual Income
Minimum Age
  • 21 to 60 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed

More Information

What is Citibank Personal Loan?

Citibank Personal Loan is a product by one of the largest banks in Malaysia, Citibank.

What purpose can Citibank Personal Loan be used for?

You may want to remodel or renovate your home, purchase a financial asset for investment or advance your current qualification to a higher academic echelon; whatever personal reasons you may have in mind and heart, as long as it is a reasonable expense for Citibank to stamp "Approved". 

Citibank Personal Loan offers an unsecured personal loan with a flat interest rate flexible repayment terms and a higher financing limit. 

Plus, you don't need a guarantor or pledge collateral to back this personal loan up. 

How much money can I borrow from Citibank?

The minimum amount you can borrow from this personal loan is RM5,000, with a maximum limit of financing capped at RM150,000. 

You can access a higher financing amount of up to 10x your monthly income, if you earn above RM5,000 every month, also subject to Citibank's approval.

Borrow any amount indicated in the financing bracket, enjoy a low flat interest rate of 5.33% - 9.80% p.a. throughout the tenure and stretch your repayment period up to 5 years.

What is my monthly commitment for this Citibank personal loan?

Your monthly repayment begins on the first day of the month following the date you have made full disbursement of your personal loan. 

You must commit to repaying your personal loan every month until the total outstanding amount of the loan is fully repaid.

If you have extra cash in hand and want to clear your loan, partially or fully, before it is due, you can make an early settlement. 

However, you should do so after the lock-in period of 2 years as you will be charged RM200 or 3% of the outstanding balance (whichever is greater) as a penalty.

What if I'm servicing multiple personal loans and credit cards with other banks?

It can be overwhelming managing repayments for multiple personal loans and credit card accounts you have with various banks. 

Not to mention, the different interest rates charged meant different repayment amounts for multiple banks to remember!

Great news! There is an option for you to simplify repayment of up to 5 credit cards and/or personal loan accounts you currently have into ONE debt consolidation account.

It is an unsecured loan with a fixed rate that can help you to refinance your current personal loan or credit card debts from other banks.

What are the benefits of Citibank's Debt Consolidation:

  • Simplify cash flow management from only one debt consolidation account
  • Competitive interest rates of 6.40% - 7.20% per annum
  • High borrowing amount up to RM150,000 or 10x your gross monthly income
  • Loan repayment tenure options of 24, 36, 48 and 60 months
  • Easy application process with minimal documentation required - only the latest redemption statement or closure quotation from the other banks
  • Cash-out option, which will be disbursed to your current or savings account for extra cash in hand

How would repayment work for debt consolidation?

If you did not opt for cash out, the full approved amount which is granted to you for consolidation purposes will be disbursed directly to the respective banks via GIRO transfer.

An example of how debt consolidation works:

Total Consolidated Loan AmountTenureInterest RateMonthly RepaymentTotal Repayment to Citibank
RM50,00060 months6.40%
(Effective rate: 11.90%)

So instead of making repayments to up to 5 different accounts or banks, you will only need to do so for one debt consolidation account ie. Citibank.

Please note that the approval of the loan amount and rate are subject to Citibank's credit assessment.

Who can apply for this personal loan?

To access a higher financing limit of RM150,000 from this personal loan, you need to be Citibank's holder of a credit card, personal loan, home loan or hire purchase for at least two years on application.

Any individuals aged between 21 to 60 years can qualify for this personal loan application. 

Salaried employees must have an annual income of at least RM48,000 and individuals who are self-employed, on the other hand, their business must be established for more than 2 years to be eligible.

What are the required documents for Citibank's personal loan application?

In order to process your Citibank Personal Loan application, you will be asked to provide some supporting documentation:

Salaried employee:

  • A copy of your IC (both sides)
  • Latest 2-months payslips
  • Latest EPF statement or the latest 3-months bank statement


  • A copy of your IC (both sides)
  • A copy of the Business Registration Certificate
  • Latest Form B with an official tax receipt

Am I qualified to apply for Citibank Personal Loan if I'm blacklisted?

Depending on your credit history with other financial institutions because all this information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collects credit information on borrowers, not blacklisting them).

Assuming you have poor credit standing due to irregular payments, the best course would be to break the habit and start making your payments on time to avoid future hurdles.

Citibank is more likely to approve your personal loan application if you can show that you are managing your personal finances, rather than accumulating more debt.

How to apply for Citibank Personal Loan?

The application process is really simple! Kindly follow the steps below:

  • Click on the Apply Now button
  • You will then be directed to our WhatsApp chatbot
  • At the end of the chatbot flow, you will receive a link to further complete your application via Citibank's website
  • Once you're on the website, fill in your details as required and click on "Begin Application" to start
  • Within 3 working days, Citibank will contact you and help you with your loan application
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