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Loans

Citi Personal Loans

Lending for all your needs

Experience a better way to borrow when you finance the things that matter to you your way (Click HERE for Personal Loan Key Fact Statement)

Meet Your Requirements with a Personal Loan

With a personal loan you can pay off your credit card debt

You can use it to meet an urgent financial requirement

Helps you buy various items, pay for wedding expenses, etc.

A happy Citibank customer interested in Citi Speedy Cash
Loans

Citi Speedy Cash1,2

  • Earn up to HK$8,000 cash coupon
  • Annualized Percentage Rate as low as 1.78%1,2
  • Loan amount up to 12X monthly salary
  • Repayment term up to 60 months
  • No hidden terms and conditions
  • Learn more
    A happy Citibank customer interested in Citi Card Debt Consolidation Loans
    Loans

    Citi Card Debt Consolidation Loans1,3

  • Loan amount up to 21X monthly salary
  • Repayment term up to 72 months
  • No hidden terms and conditions
  • Learn more
    Toy wooden blocks
    Loans

    Citi Handy Cash1,4

  • Accept all types of salary proof
  • Loan amount up to 8x monthly salary
  • Repayment term up to 60 months
  • No hidden terms and conditions
  • Learn more
    A couple using their tablet
    Loans

    Citi Quick Cash

  • Get instant cash disbursed into your bank account via FPS5
  • Enjoy a monthly flat rate as low as 0.16% (APR as low as 3.58%)6,7
  • Repay with plans up to 60 months
  • No documents required and no hidden fees

    Successfully apply via Citi Mobile®App to enjoy up to HK$2,000 Cash Rebate!

  • Apply now

    Learn more
    A daughter trying on her mother’s shoes
    Loans

    Citi FlexiBill

  • Enjoy a monthly flat rate as low as 0.24% (APR as low as 5.40%)7,8
  • Flexible repayment period from 6-48 months
  • Settle part of or your whole statement balance
     

    Successfully apply via Citi Mobile® App to gain a chance to earn up to HK$15,000 Shopping Vouchers

  • Learn more
    A man checking the time
    Loans

    Citi PayLite

  • Enjoy a monthly flat rate as low as 0.18% (APR as low as 4.04%)7,9
  • Flexible repayment period from 3-48 months
     

    Successfully apply via Citi Mobile® App to gain a chance to earn up to HK$15,000 Shopping Vouchers

  • Learn more
    A couple playing with their daughter
    Loans

    Citi PayLite for banking transactions

  • Turn big transactions from your bank account into installments
  • Enjoy a monthly flat rate as low as 0.24% (APR as low as 5.40%)7,8
  • Learn more
    A happy Citibank customer interested in Citi Speedy Cash
    Loans

    Citi Speedy Cash1,2

  • Earn up to HK$8,000 Cash Coupon
  • Annualized Percentage Rate as low as 1.78%1,2
  • Loan amount up to 12X monthly salary
  • Repayment term up to 60 months
  • No hidden terms and conditions
  • Learn more
    Toy wooden blocks
    Loans

    Citi Handy Cash1,4

  • Accept all types of salary proof
  • Loan amount up to 8x monthly salary
  • Repayment term up to 60 months
  • No hidden terms and conditions
  • Learn more
    A couple using their tablet
    Loans

    Citi Quick Cash

  • Get instant cash disbursed into your bank account via FPS5
  • Enjoy a monthly flat rate as low as 0.16% (APR as low as 3.58%)6,7
  • Repay with plans up to 60 months
  • No documents required and no hidden fees


    Successfully apply via Citi Mobile®App to enjoy up to HK$2,000 Cash Rebate!

  • Apply now

    Learn more
    A daughter trying on her mother’s shoes
    Loans

    Citi FlexiBill

  • Enjoy a monthly flat rate as low as 0.24% (APR as low as 5.40%)7,8
  • Flexible repayment period from 6-48 months
  • Settle part of or your whole statement balance

    Successfully apply via Citi Mobile® App to gain a chance to earn up to HK$15,000 Shopping Vouchers

  • Learn more
    A man checking the time
    Loans

    Citi PayLite

  • Enjoy a monthly flat rate as low as 0.18% (APR as low as 4.04%)7,9
  • Flexible repayment period from 3-48 months

    Successfully apply via Citi Mobile® App to gain a chance to earn up to HK$15,000 Shopping Vouchers

  • Learn more
    A couple playing with their daughter
    Loans

    Citi PayLite for banking transactions

  • Turn big transactions from your bank account into installments
  • Enjoy a monthly flat rate as low as 0.24% (APR as low as 5.40%)7,8
  • Learn more
    A happy Citibank customer interested in Citi Card Debt Consolidation Loans
    Loans

    Citi Card Debt Consolidation Loans2,3

  • Loan amount up to 21X monthly salary
  • Repayment term up to 72 months
  • No hidden terms and conditions
  • Learn more

    To borrow or not to borrow?
    Borrow only if you can repay!

    Remarks:

    1. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. 
    2. Citi Speedy Cash: The annualized percentage rate (“APR”) ranges from 1.78% to 35.78%, with repayment period of 6 to 60 months. The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$3,500,000 and repayment tenor of 12 months, and is applicable to Citigold Private Client customers with Citi ULTIMA. The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
    3. Citi Card Debt Consolidation Loans: The annualized percentage rate (“APR”) ranges from 8.64% to 35.78%, with repayment period of 6 to 72 months. The Annualized Percentage Rate ("APR") of as low as 8.64% is calculated based on the monthly flat rate 0.38% with loan amount of HK$1,200,000 and repayment tenor of 12 months. The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
    4. Citi Handy Cash: The annualized percentage rate (“APR”) ranges from 27.55% to 44.72%, with repayment period of 6 to 60 months. The Annualized Percentage Rate ("APR") of as low as 27.55% is calculated based on the monthly flat rate 1.15% with loan amount of HK$100,000 and repayment tenor of 12 months. The Annualized Percentage Rate ("APR") of as low as 44.72% is calculated based on the monthly flat rate 1.79% with loan amount of HK$90,000 and repayment tenor of 12 months.
    5. Only applicable for disbursement to participating banks of Faster Payment System (FPS). The loan payment will be credited to the default receiving bank account registered at the recipient bank. Instant disbursement is subject to Citi’s approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Disbursement via FPS is only available to the latest version of Citi Mobile ® App.
    6. Citi Quick Cash: The Annualized Percentage Rate ("APR") for quoted Monthly Flat Rate ("Monthly Flat Rate") of 0.16% is 3.58%; an APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. APR is calculated based on the guidelines as set out in the Code of Banking Practice and is based on 12-month installment period and HK$200,000 loan amount. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ. Monthly Flat Rate is individualized and subject to Eligible Cardholders' Citi Credit Card account status at the time the request is received.
    7. The installments from the Citi Credit Card “Quick Cash” Installment Program, Citi Credit Card “FlexiBill” Installment Program and Citi Credit Card “PayLite” Installment Program are billed to the Citi Credit Card account monthly similar to a normal retail purchase and are subject to usual finance charge if you pay/ had paid less than the statement balance indicated on your current or previous monthly statements of account on or before the payment due date. For details, please refer to Terms and Conditions for Citi Credit Card "Quick Cash'' Installment Program and Terms and Conditions for Citi Credit Card "FlexiBill" Installment Program and Citi Credit Card "PayLite" Installment Program.
    8. Citi FlexiBill/ Citi PayLite for banking transactions: The Annualized Percentage Rate ("APR") for preferential Monthly Flat Rate ("Monthly Flat Rate") of 0.24% is 5.40%; An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. APR is calculated based on the guidelines as set out in the Code of Banking Practice and is based on 12-month installment period and HK$200,000 loan amount. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ. Monthly Flat Rate is individualized and subject to Eligible Cardholders’ Citi Credit Card account status at the time the request is received. Please call our Application Hotline at 2860 0379 to check for individualized Monthly Flat Rate.
    9. Citi PayLite: The Annualized Percentage Rate ("APR") for preferential Monthly Flat Rate ("Monthly Flat Rate") of 0.18% is 4.04% ; An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. APR is calculated based on the guidelines as set out in the Code of Banking Practice and is based on 12-month installment period and HK$200,000 loan amount. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ. Monthly Flat Rate is individualized and subject to Eligible Cardholders’ Citi Credit Card account status at the time the request is received. Please call our Application Hotline at 2860 0379 to check for individualized Monthly Flat Rate.
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