No dreams are too big.
Realise them with Citi Personal Loans, now from 5.88% p.a.^
Apply online for instant approval*!
^Equivalent to Effective Interest Rate of 10.9% p.a.
*T&C apply.
referred you!

Benefits of Citi Personal Loans


Up to 10x your gross
monthly income
or up to RM150,000

Low Interest Rates

Low Interest Rates

No Processing Fee

No Processing Fee


Up to 8x your gross
monthly income
or up to RM150,000

Low Interest Rates

Low Interest Rates

No Processing Fee

No Processing Fee

Apply now

Instalment calculator

Find out your monthly instalment quickly with our handy personal loan calculator.
Just fill in the form below to calculate your loan instalment amount.


Calculations are based on an Effective Interest Rate of 10.90%
(equivalent to Flat Interest Rate of 5.88% per annum)
Calculations are for illustrative purposes only.

Benefits at a glance

  • Personal loan of up to 10x your gross monthly income (for applicants earning RM4,000 or more)
  • Low flat interest rates of 5.88% - 9.80% per annum
  • Loan of up to RM150,000
  • No processing fee
  • No collateral / guarantor required

What do I get from this product?

Principal Loan Amount
Minimum of RM5,000; 'New-to-Bank' customers entitled to loan amount of up to RM120,000 and 'Existing Customers' are entitled to loan amount of up to RM150,000. (Please refer to the below foot note for definitions of 'New-to-Bank' & 'Existing Customers').

Loan Repayment Tenure Options
24, 36, 48 or 60 months.

Prescribed Rates (New-to-Bank)
Prescribed rates for New-to-Bank customer will be at an Effective Interest Rate range of 10.9% - 16.9% per annum. For your ease of comparison, the equivalent Flat Interest Rate is approximately 5.88% - 9.80% per annum.



  1. 'Existing Customer’ are individuals who hold an existing active Citibank Credit Card and/or existing active Citibank Ready Credit and/or existing active Citibank Home Loan.
  2. 'New-to-Bank’ are individuals who do not fall under 'Existing Customer’.

Personal Loan Interest Rates and Charges

1-time Stamp Duty
(Ad Valorem) #
0.5% of approved loan amount.
Early Settlement Fee # RM200 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.

Criteria For Application

  1. Minimum age of 21 up to a maximum of 60 years old at the time of the 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:
Minimum Annual Income RM48,000 p.a. RM48,000 p.a.
Documents Required Photocopy of MyKad (both sides) Photocopy of MyKad (both sides)
Latest EPF Statement


Latest 2 months' Salary Slip


Any of the following documents where required.

Latest BE form with Tax Receipt

3 months' Bank Statements

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


Latest Form B with Tax Receipt


6 months' Bank Statements
*Note: For self employed, business must be established for at least 2 years.
Click here for new Citibank Instalment Loans Terms and Conditions.
Click here for Citibank Personal Loans Product Disclosure Sheet.