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
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

Take Control of Your Dream. Get Financing up to RM150,000 with Citibank Personal Loan.

Free Philips Portable Speaker upon loan disbursement

Apply online now for Citibank Personal Loan

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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
Processing Fee
Stamp Duty
0.5% of the whole amount
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


Are you eligible for this personal loan?

Minimum annual income
Minimum age
21 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Permanent Residents
  • Salaried employee
  • Self-employed

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


  • 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 outstanding 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. 

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