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Compare the Best Citibank Personal Loans Interest Rates and Offers 2025

Compare Citibank personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! Read More
300,000 personal loan Paid over 24 months
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We found 3 Citibank Personal Loans for you!
Recommended
Citi Speedy Cash

Monthly Payment

HK$12,710

MoneySmart Exclusive

Citi Speedy Cash

APR*
1.4%
Total Amount Payable
HK$305,040
Total Interest Payable
HK$5,040
Monthly Payment
HK$12,710

【🎊Brand new Gadgets Await !】Apply to get up to HK$20,998 Rewards! 
New customers who successfully apply for the Citi Speedy Cash / Citi Card Debt Consolidation Loan on or before 30 June 2025 and successfully draw down on or before 31 July 2025 would be eligible for MoneySmart exclusive gift up to an 🍎 iPhone 16 Plus 512GB (valued: HK$10,199) /  HK$10,000 Apple Store Gift Card / PARKnSHOP supermarket vouchers. New gift selections including newly launched Dyson Supersonic r™ hair dryer and LG aircleaner!
📣 APR as low as 1.4% with  up to HK$8,000 Reward and 48 months repayment period —to better arrange personal cash flow!
　
🤑 Boosting up the reward － Earn HK$1,000 instantly upon application !
From 9 June to 30 June, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$1,000 cash (automatically converted by 10,000 SmartPoints) directly deposited into your FPS account -  regardless of approval!

Valid until 30 Jun 2025 - See more details below
Citi Card Debt Consolidation Loans

Monthly Payment

HK$13,760

MoneySmart Exclusive

Citi Card Debt Consolidation Loans

APR*
5.16%
Total Amount Payable
HK$330,240
Total Interest Payable
HK$30,240
Monthly Payment
HK$13,760

【🎊Brand new Gadgets Await !】Apply to get up to HK$20,998 Rewards! 
New customers who successfully apply for the Citi Speedy Cash / Citi Card Debt Consolidation Loan on or before 30 June 2025 and successfully draw down on or before 31 July 2025 would be eligible for MoneySmart exclusive gift up to an 🍎 iPhone 16 Plus 512GB (valued: HK$10,199) /  HK$10,000 Apple Store Gift Card / PARKnSHOP supermarket vouchers. New gift selections including newly launched Dyson Supersonic r™ hair dryer and LG aircleaner!
📣 Bank welcome offer up to HK$8,000 Reward and 48 months repayment period —to better arrange personal cash flow!
　
🤑 Boosting up the reward － Earn HK$1,000 instantly upon application !
From 9 June to 30 June, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$1,000 cash (automatically converted by 10,000 SmartPoints) directly deposited into your FPS account -  regardless of approval!

Valid until 30 Jun 2025 - See more details below
Citi Tax Season Loan

Monthly Payment

HK$12,710

Citi Tax Season Loan

APR*
1.56%
Total Amount Payable
HK$305,040
Total Interest Payable
HK$5,040
Monthly Payment
HK$12,710

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Citibank Personal Loans in Hong Kong

As a globally-recognised bank, Citibank is one of the go-to banks in Hong Kong for those looking to borrow money from a legitimate source. Citibank offers a range of personal loans to suit diverse needs, including a tax loan and a debt consolidation loan.

Best Citibank Personal Loans

Citibank LoansLoan FeaturesAPR/ Loan Amount
Citi Speedy CashSame-day approval available, with loan disbursement via FPS, cash, check, or direct bank deposit - ideal for those who need immediate cashAs low as 1.78/ Up to 12X your monthly basic salary or HK$3,500,000
Citibank Card Debt Consolidation LoansPay off credit card debt in one go, directly settling outstanding card balances or loans from other financial institutionsAs low as 9.57%/ Up to 21X your monthly basic salary or HK$1,200,000
Citi Tax Season LoanNo hidden terms with flexible repayment period up to 60 months, minimum monthly salary requirement of HK$6,000 to applyAs low as 1.78%/ Up to 12X your monthly basic salary or HK$3,500,000

How to Apply for Citibank Personal Loan?

Choose Your Loan Product

Find a suitable Citibank loan product that best fits your financial needs. Make sure you read the fine print and understand the loan structure. Once selected, fill in the application form and submit all the required documents.

Wait for Your Loan Approval Result

Citibank Loan Specialist will then contact you within 1-2 working days to finalize the terms of the loan. If the loan is eventually approved, you will be required to visit a designated branch to go through the loan disbursement process.

Disbursement of Your Loan

If you are applying for Card Debt Consolidation Loans, you will be required to sign the drawdown letter so that Citibank can settle your card debt with other financial institutions. For other loan types, your loan will be disbursed instantly via cash, cheque or credit into your designated bank account.

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Citibank Loan Offers & Promotions

Like every other bank or money lender, Citibank sometimes offers seasonal promotions for their personal loan products, such as low APR rates, cash coupons, even gifts such as tablets. These sweeteners are no doubt appealing, but as a consumer, you should protect yourself by paying special attention to the fine print of these offers. Loan promotions that advertise low APR rates tend to be limited to specific loan amounts and repayment periods, and they may be modelled based on a different interest rate structure than what you're actually getting. Check that the promotional loan repayment structure is something you would be comfortable committing to first. Welcome gifts such as cash coupons are sometimes given with no strings attached, but in other cases, banks are able to "claw back" the gift if you do not fulfil certain requirements set out in the terms & conditions. Warning: You have to repay your loans. Don't pay any intermediaries.

Citibank Loan Application Supporting Documents

In addition to the eligibility criteria defined above, you're required to submit the following important documents before Citibank can approve your loan:

Proof of income

Citibank accepts several documents to prove your income. It's best to furnish official payroll slips (complete with company stamp/letterhead), but if this is not available, you can also submit your bank statement or account passbook showing your salary deposit record for at least the past three months.

Residential proof

This is any official letter or bill that proves that you are a real resident of the address you provided. It must clearly state both your name and residential address. You may submit your utility bill, mobile phone bill, bank statement, or letter from the government.

Citibank Loan Fees & Charges

APR (interest rate) may be the most prominent cost component of your personal loan, but it is by no means the only one! You should also be aware of the following fees that Citibank may charge in various scenarios.

Handling Fee

Citibank advertises a 0% handling fee for their personal loans, but it is possible that this fee is simply absorbed into the APR. Do compare personal loans across banks to make sure you have the best rate.

Early Repayment Fee

Kudos to you for clearing your personal loan early, but there will be a fee for doing so. This is typically 1.5% of the principal loan amount but it varies a little depending on when exactly you make early repayment.

Change of Repayment Date

It is possible to extend your repayment date, but you will be charged a Daily Extension Fee at the same interest rate of your personal loan. The maximum extension Citibank will grant you is 45 days.

Citibank Loan Customer Service Hotline

Need to speak to someone at Citibank urgently regarding your loan? For loan-related inquiries and to follow up on your loan application, you can call Citibank's hotline at (852) 2963 6477. The hotline operates from Mondays to Fridays from 9am to 8pm, and on Saturdays from 9am to 6pm.

Frequently Asked Questions

How is interest rate calculated for Citibank personal loans?

Take note that Citibank's advertised interest rate may not be exactly the same as the actual APR you are charged. This is because Citibank can choose to charge a higher or lower rate depending on the loan applicant's background and work status.

How long does Citibank take to approve a loan?

For Citibank Speedy Cash, it is possible to get same-day approval, provided you successfully submit all required documents together with a complete application form before noon on a working day. With other Citibank loan types, it may take longer for the bank to verify all your documents.

Can I get a loan for my Citibank credit card?

If you're facing trouble paying off a Citibank credit card, Citibank also has loan services specific to their cards. For example, certain cards are eligible for a flexi-instalment programme, which allows you to repay your credit card balance in manageable instalments.

Does Citibank have an automatic repayment function for their personal loans?

Yes, a good way to avoid being hit by late repayment fees and the like is to set up an AutoPay instruction to settle your monthly instalments. Citibank's All-In-One AutoPay can be used to repay loans (as well as other recurring charges like utility and phone bills). The monthly repayments are automatically debited from your bank account whenever they are due.