Best Citi Loans in Singapore 2025
Updated: 2 Jul 2025
Citibank personal loans offer quick approval, competitive rates, and flexible repayment options. Enjoy a seamless application process online or through your Citi account, with funds deposited as soon as the next business day. Borrow with confidence and manage your finances effortlessly.
Why Trust SingSaver
Monthly Repayment
S$ 920Annual Interest Rate
S$ 120EIR
6.50 % p.a.Processing Fee
S$ 0For a Citi Quick Cash Program with Ready Credit of S$30,000 over 36 months, you’ll enjoy via Singsaver:
- Flexible line of credit up to 4X your monthly income or up to 8X your monthly income if your annual income is S$120,000 and above. (Subject to Citibank's approval)
- Enjoy an interest rate from as low as 3.45% p.a. (EIR 6.50% p.a.) by converting your available credit limit to a loan with Citi Quick Cash on Ready Credit. Terms and Conditions apply. EIR 6.50% p.a. is applicable to new Citibank Ready Credit customers only.
- No processing fees
- Minimum loan of S$1,000
- Tenure: 1 year to 5 years
- Annual fee: S$120 (First year free) on Citibank Ready Credit
- Late Payment charge: S$120*
- Overlimit fee: S$40*
Fees
Annual Fee: S$120
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000 for Singaporeans and PRs. S$42,000 for foreigners
Required Documents
1. A copy of your NRIC (front & back) or work permit (with minimum 6 months validity)
2. A copy of your utility bill, telephone bill, or bank statement with your name and address
3. Income Tax Notice of Assessment
4. Latest original computerised payslip
Key Features
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
Monthly Repayment
S$ 926EIR
7.00 % p.a.Processing Fee
S$ 0- Only for Existing Citi Credit Card / Citibank Ready Credit customers.
- Receive cash on-the-go via the Citi Mobile app and repay with plans up to 60 months.
- No documents required and no hidden fees.
- *All applications for Citi Quick Cash are subject to approval. Instant disbursement is available only for approved applications and where the designated disbursement account is a Citi Deposit Account.
- Min. income for Singaporeans/PRs: S$30,000 p.a. Min. income for foreigners: S$42,000 p.a.
- Enjoy a quicker application process when you sign up via Singpass Myinfo
- Citi Quick Cash allows you to convert your Citi Credit Card / Citibank Ready Credit available credit limit into cash, payable in monthly instalments along with your monthly payment.
- Existing Citi Credit Card/Citibank Ready Credit customers need not furnish any documents to apply for Citi Quick Cash.
- You can check the interest rates and repayment amount of Citi Quick Cash during your loan booking application.
- Existing Citi Credit Card/ Citibank Ready Credit customers can apply for the Citi Quick Cash by logging onto Citi Mobile® App.
- The information displayed above is for reference only. The actual rates offered to you is subject to the provider’s approval.
- You are required to have a Citi credit card or Citibank Ready Credit account in order to apply for a Citi Quick Cash loan as it draws down from the available credit of a Citibank credit card or Citibank Ready Credit account
- Cancellation fee: 3% of outstanding unbilled principal amount or S$100, whichever is higher
- If min. payment amount is overdue for two consecutive months, the loan will be terminated and the total outstanding amount will be billed.
Key Features
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval.
Compare other Personal Loan deals
All Personal Loans | Debt Consolidation | Credit Lines | Balance Transfer | Personal Loan Guide