Your browser does not support JavaScript! Pls enable JavaScript and try again.

With effect from 1 November 2022, Citibank Berhad [Registration No. 199401011410 (297089-M)] has transferred ownership of its consumer banking business to United Overseas Bank (Malaysia) Bhd [Registration No. 199301017069 (271809-K)] (“UOB”).
UOB is the provider of “Citi” branded consumer banking products in Malaysia and Citibank Berhad is providing certain services in respect of those products.
The trademarks “Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trademarks and derivations thereof are used temporarily under license by UOB from Citigroup Inc and related group entities.

Any expenses made managable

Enjoy affordable interest rates
Enjoy affordable interest rate

From as low as 5.33% p.a. (Flat Interest Rate)
Make simple monthly payments
Make simple monthly payments

We’ve made it easy – choose your preferred monthly repayment plan from 24 to 60 months
For any plans from small to big
For any plans, big or small

We've got you covered with loans of up to RM150,000

What you can do with Citi Personal Loans?

Home improvement

Home improvement

Decorate your dream home with the funds you need
Invest in your future

Make plans for the future

Pursue a higher education or a course of your choice
Manage the Unexpected

Manage the unexpected

Leverage on the support when the unexpected happens

Calculate your monthly instalments

How much would you like to apply for?
RM 5,000
5000
RM5,000
RM150,000
Repayment plans available
Est. RM 240 /month for 24 months
Est. RM 171 /month for 36 months
Est. RM 137 /month for 48 months
Est. RM 117 /month for 60 months
*The calculations above are illustrations based on an effective interest rate of 13.9% p.a. Interest rate and tenure are subjected to individual’s eligibility.

 

What do I get from this product?

Principal Loan Amount

  • The minimum principal loan amount is RM5,000. New-to-bank customers are entitled to a loan amount of up to RM120,000. Existing customers meanwhile are entitled to a loan amount of up to RM150,000.

Loan repayment tenure options

  • 24, 36, 48 or 60 months.

Prescribed Rates (New-to-Bank)

  • Prescribed rates for a New-to-Bank customer will be at an effective interest rate range of 9.90% - 16.90% per annum. For your ease of comparison, the equivalent flat interest rate is approximately 5.33% - 9.80% per annum.

Annual Income Requirement

  • Minimum income requirement is RM60,000 p.a. For existing Citi credit cardmember, the min income requirement is RM48,000 p.a. Application is subject to approval.

 

Any Fee and Charges?

1-time Stamp Duty (Ad Valorem)0.5% of approved loan amount.
Early Settlement FeeRM200 or 3% of outstanding balance whichever higher, if loan is settled within first 2 years or before reaching half the tenure, whichever earlier.
Late Payment Charge (in addition to prescribed rate)1% p.a. charged daily on past due amount.

Application Criteria:

1. Minimum age of 21, up to a maximum of 60 years old at the time of loan maturity

2. Malaysian citizen or P.R. working in Malaysia.

3. Holding any bank's Credit Card/Home Loan/Personal Loan/Car Loan/Overdraft for more than 24 months.

4. Income and documents required:
Applicant Type SALARIED EMPLOYEES SELF-EMPLOYED
Minimum annual income RM60,000 p.a
For existing Citi credit cardmember, min requirement: RM48,000 p.a
Application is subject to approval		 RM60,000 p.a
For existing Citi credit cardmember, min requirement: RM48,000 p.a
Application is subject to approval
Documents required Photocopy of MyKad (both sides) Photocopy of MyKad (both sides)
Latest EPF Statement

OR

Latest 2 months' salary slip

AND/OR

Any of the following documents where required:

Latest BE Form with tax receipt

Latest 3 months' bank statement

Latest EA Form (dated within the last 12 months)		 Photocopy of Business Registration Form

AND

Latest Form B with tax receipt

 

Note: For self-employed, business must have been established for at least 2 years.
Applicant Type
Minimum annual income
SALARIED EMPLOYEES
RM60,000 p.a
For existing Citi credit cardmember, min requirement: RM48,000 p.a
Application is subject to approval
SELF-EMPLOYED
RM60,000 p.a
For existing Citi credit cardmember, min requirement: RM48,000 p.a
Application is subject to approval
Applicant Type
Documents required
SALARIED EMPLOYEES
Photocopy of MyKad (both sides)
SELF-EMPLOYED
Photocopy of MyKad (both sides)
Applicant Type
Latest EPF Statement

OR

Latest 2 months' salary slip

AND/OR

Any of the following documents where required:

Latest BE Form with tax receipt

Latest 3 months' bank statement

Latest EA Form (dated within the last 12 months)
SALARIED EMPLOYEES
Photocopy of Business Registration Form

AND

Latest Form B with tax receipt

Terms & Conditions and Product Disclosure Sheet

  • Loan of up to 10x your gross monthly income.
  • New-to-bank customers are entitled to loan amounts of up to RM120,000. Existing customers holding an active Citi Credit Card for more than 24 months are entitled to loan amounts of up to RM150,000.
  • No processing fee.
  • No collateral / guarantor required.
  • Low interest rate, starting from effective interest rate of 9.90% per annum, which is equivalent to flat interest rate of approximately 5.33% per annum.
  • Final loan approval, amount and rate are subject to Citibank's assessment and review.
  • Click here for Citibank Instalment Loans Terms and Conditions.
  • Click here for Citibank Personal Loans Product Disclosure Sheet.
Show more