Citibank Personal Loan

Apply Citibank Personal Loan to enjoy low interest rate, higher financing limit and instant approval at zero processing fee.

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

Get a FREE
Cashback Giveaway Up To
worth RM1500
when you apply through RinggitPlus *

Cashback Giveaway Up To

Loan calculator

Interest rates

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

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 first 2 years or before reaching half its tenure
Late Penalty Fee
 1%  from current outstanding amount


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

More Information

Citibank Personal Loan Campaign FAQs:

For a limited time only, approved applicants of Citibank personal loan will receive a free sign-up gift of either a Shopee E-Voucher or Cashback via DuitNow that is tiered based on the approved loan disbursed amount like the following:

Disbursed AmountSign Up Gift
RM49,999 and belowRM30 Shopee E-Voucher (Guaranteed)
RM50,000 and aboveRM500 Cashback via DuitNow
RM100,000 and aboveRM1,000 Cashback via DuitNow
RM150,000 and aboveRM1,500 Cashback via DuitNow

This campaign runs from 23 April 2022 to 31 July 2022, subject to campaign's terms and conditions.

Who is qualified for this promotion?

This campaign is open to new customers aged 21 years old and above who holds a Malaysian identification card (IC) that apply online via only. Those that are not eligible to participate in this campaign include:

  • Existing Citibank Instalment Loan account holder
  • Permanent and/or contract employees of Citibank (including its subsidiaries and related companies)
  • Non-residents
  • Any person below 21 years old and above 60 years old
  • Holder(s) of any Citibank account including Citi card(s) whose in default of any facilities granted by the Bank at any time during the campaign period

Which personal loan can I apply for?

You can apply for:

  • Citibank Personal Loan

Where can I reach out to you for more information?

For any questions, please get in touch with us via email at [email protected]

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 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 on a flat interest rate with flexible repayment terms and a higher financing limit. 

Plus, you don't need a guarantor or to 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 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 with 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 cards account 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 Debt Consolidation:

  • Simplify cash flow management from only one debt consolidation account
  • Competitive interest rate of 6.40% - 7.20% per annum
  • High borrowing amount up to RM150,000 or 10x your gross monthly income
  • Loan repayment tenure option of 24, 36, 48 and 60 months
  • Easy application process with minimal documentations required - only 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 are 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 subjected to Citibank's credit assessment.

Who can apply for this personal loan?

To access a higher financing limit of RM150,000 from this personal, you need to be Citibank's holder of credit card, personal loan, home loan or hire purchase for at least 2 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 as well as self-employed, whose business must be established for more than 2 years.

What are the required documents for Citibank personal loan application?

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

Salaried Employee:

  • Copy of MyKad (front and back)
  • Latest EPF Statement; OR
  • Latest 2-months salary slip; AND/OR

Any of the following documents:

  • Latest BE form with tax payment receipt
  • 3-months bank statements
  • Latest EA Form (dated within the last 12 months)


  • Copy of MyKad (front and back)
  • Copy of Business Registration Form; AND
  • Latest B Form with tax payment 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 of action 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.

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