• Interest Rate (p.a.)

    7.90% - 12.50%

  • Loan Tenure

    2 - 5 years

  • Approval Duration

    Instant Approval

  • Min. monthly income

    RM4,000

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What's so great about Citibank Personal Loan?
  • Approved loan amount of up to RM150,000
  • Flat interest rate starting at 7.90% per annum
  • Loan up to 8x of your monthly salary

Product Features

Min. financing amountRM5,000
Max.financing amount Up to 8x monthly salary or RM150,000
Min. loan tenure2 years
Max. loan tenure5 years
Islamic/ConventionalConventional
Interest rateFlat rate of 7.9% – 12.5% per annum
Approval durationInstant Approval
Debt consolidationYes at 7.5% per annum

Fees & Charges

One time set up
Processing feeN/A
Stamp duty0.5% of approved loan amount
Disbursement & misc. feeN/A
Penalties
Early settlementRM200 or 3% outstanding loan amount, whichever is higher; if loan is settled within 2 years or before reaching half the tenure, whichever is earlier.
Late payment charges1% per annum daily charge on past outstanding loan amount

Eligibility

Age requirementAge 21 - 60
Employment eligibilityGovernment servants and employees of private sector organization
Min. salary requirementRM4,000 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?No
Need to buy Takaful product?No

Product Review byiMoney

Citibank Personal Loan FAQ

What is the maximum amount you can borrow?

Borrowable amount of up to eight times your monthly gross salary or RM150,000 for a maximum loan tenure of five years.

The catch?

Applicant must be between the age 21 to 60 above to qualify.

Applicant must be a Malaysian citizen or permanent resident employed as a Government servant or employee of private sector organization with a minimum gross salary of RM4,000 per month.

Applicant would be able to know his/her loan approval status within the same day.

What will it cost you and how will you be charged?

One time set-up fee:
  • 0.5% of approved loan amount.
    • Recurring payments:
  • Monthly repayment comprising principal amount and interest charge via cash deposit, cheque deposit, Interbank GIRO (IBG), or MEPS Shared ATM fund transfer.
  • Interest charge will be at an effective interest rate of 14.5% per annum (7.90% - 12.5% flat interest rate per annum).
  • Debt consolidation is also offered as low as 7.5% flat interest rate per annum.
    • Penalties:
  • Late payment charges of 1% per annum daily charge on past outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
  • Early settlement fee of RM200 or 3% outstanding loan amount, whichever is higher; if loan is settled within 2 years or before reaching half the tenure, whichever is earlier.

    • Calculate the cost of taking up this loan using our calculator.

    How long will the application take and what documentations are required?

    Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.

    Thereafter, customer will be able to know his/her loan approval status within the same day.

    You are required to furnish the following documents for your loan application with Citibank:

    • Copy of NRIC (front and back)
    • 2 months (most current) salary slips
    • 6 month EPF or bank statement (most current)

    Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?

    No, you are required to settle all outstanding debts before applying.


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  • Standard Chartered CashOne has a flat interest rate starting from 8.5% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM3,000.
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    •