Get an Instant Decision Now on Your Citi Personal Loan

Alevin Chan

Alevin Chan

Last updated 05 December, 2017

No more playing the waiting game. Eliminate uncertainty with Instant Decision on Citi Ready Credit Paylite personal loans!

By the time you decide to take up a personal loan, chances are you’ve been deliberating for quite a while. Funds are running short, your bills are mounting, and the last thing you want is another delay.

With Citi Ready Credit Paylite, you don’t have to spend any more time waiting on the status of your loan application. Just fill in the application form stating your personal details, follow the on-screen prompt and click through to the end.

And voila! You’ll get a message telling you whether you loan has been pre-approved (or not.)

What’s the catch you ask? None at all! But know that this is only possible when you apply through!


Is Instant Decision the Only Reason to Apply for a Citi Ready Credit Paylite Loan?

Of course not! While we understand that you may need funds in a hurry, we would never recommend taking up a loan just because it promises to save you time.

Here’s the scoop: Citi is offering an exclusive deal on its Ready Credit Paylite loan only for users of

Sign up for at least S$20,000 loan on a 3 year tenure, and get flat interest rate of 4.27% p.a. (8% p.a.). This is a special rate that you won’t get anywhere else.

If you need a smaller loan, or a longer repayment period, the special rate above won’t apply, unfortunately. However, you can refer to the table below for an indication of the interest rates you’re likely to be offered.


Another alternative is our easy-to-use slider on to find the best compromise between loan amount, tenure and interest rate. (As you adjust the loan amount and loan tenure on the left, the flat interest rate on your loan will be shown.)

Are There Any Benefits to Sweeten the Deal?

We thought you’d never ask.

Exclusively for customers, Citi is offering exclusive NTUC FairPrice vouchers if you apply before 31 Dec 2017.

Apply for a loan of S$15,000 and above, and receive S$150 worth of vouchers. Apply for at least S$10,000 in a single loan, and receive S$100 vouchers. All vouchers will be disbursed upon loan approval.

What’s more, Citi will waive processing fees for all new Citi Ready Credit Paylite applicants, saving you more money!


Anything Else I Should Know Before I Sign Up?

To provide our customers with quicker and more seamless access to loans and other financial products, Citi and is the first on the market to offer Instant Decision. (You can also see Instant Decision in action when you apply for Citi credit cards on our platform.)

Instant Decision is designed to help you get a quicker response to your personal loan or credit card application. As you submit your details on, our system communicates with Citi in real time to screen your application for eligibility.

If everything checks out, you will be granted a pre-approval on your application. Thereafter, you may submit the necessary documents for Citi to process your loan or credit card application.

Do note that as there are borrowing limits and other stringent requirements, your application may still be rejected even though pre-approval had been granted. Ultimately the final decision lies with Citi.

However, Instant Decision saves you time by informing you of your application’s eligibility. This way, you can find and apply for the loan or card you are eligible for, instead of waiting days or weeks to be greeted with rejection.

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Alevin ChanBy Alevin Chan

A Certified Financial Planner with a curiosity about what makes people tick, Alevin's mission is to help readers understand the psychology of money. He's also on an ongoing quest to optimize happiness and enjoyment in his life.

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.


Use a personal loan to consolidate your outstanding debt at a lower interest rate!

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