What should I consider before applying for a loan?

Some of the things that you must consider before applying for a loan are as follows: The interest rate Features of the loan such as repayment tenor, loan size Credit Services Loan terms and conditions Ease of Application process Approval turnaround time Available application channels

What is the minimum application requirement for a Citibank Personal Loan?

Applicants must be Hong Kong permanent residents Should be of age 18 or above, Must hold a full-time employment with their present employer for at least 3 months Should have a monthly income of HK$6,000 or above.

What are the steps to apply for a loan?

Step 1:Choose your loan product Step 2Fill in the application form and submit it together with the required documents. We will evaluate your financial position and assess your repayment ability accordingly Step 3:Our Loan Specialist will contact you regarding the loan application within 1 to 2 working days upon receipt of all required documents. If a loan is approved, we will invite you to visit a designated branch to go through the loan disbursement process. Step 4:After signing the drawdown letter, we will arrange direct payments to settle your credit card outstanding balances and loans from other financial institutions (only applicable to Card Debt Consolidation Loan) and/or disburse your approved loan amount by cash, check or credit into your designated bank account. Step 5:To make repayment easier and avoid any charges caused by late repayment, we will help you set up a direct debit authorization; your loan repayments will be debited directly from your designated bank account on a monthly basis.

What documents are required for a loan application?

You should provide the following documents to support your loan application: Hong Kong Permanent Resident Identity Card Income proof, e.g. latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number) Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number) Latest residential address proof (e.g. electricity bill or bank statement) Any other documents or certificates deemed appropriate.

Who should I contact for further enquiries?

You are welcome to contact us on our Application Hotline 2963 6477, by visiting any Citibank branch or by browsing our website.

Citi Loans

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Loan amount up to 12X monthly salary

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Accept all types of salary proof

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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$3,000 in shopping vouchers

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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 enjoy up to 2% rewards

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Loans

Citi PayLite

Enjoy a monthly flat rate as low as 0.15% (APR as low as 3.36%)^7,9

Flexible repayment period from 3-48 months

Successfully apply via Citi Mobile^® App to enjoy up to 2% rewards

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Enjoy a monthly flat rate as low as 0.24% (APR as low as 5.40%)^7,8

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Citi Loans

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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)

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Citi Speedy Cash1,2

Citi Handy Cash1,4

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Citi FlexiBill

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