- Interest Rate (p.a.)
7.90% - 12.50%
- Loan Tenure
2 - 5 years
- Approval Duration
- Min. monthly income
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 approval within 30 minutes
|Min. financing amount||RM5,000|
|Max.financing amount|| Up to 8x annual salary or RM120,000|
|Min. loan tenure||2 years|
|Max. loan tenure||5 years|
|Interest rate||Flat rate of 7.9% – 12.5% per annum|
|Approval duration||30 minutes|
Fees & Charges
|One time set up|
|Stamp duty||0.5% of approved loan amount|
|Disbursement & misc. fee||N/A|
|Early settlement||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.|
|Late payment charges||1% per annum daily charge on past outstanding loan amount|
|Age requirement||Age 21 - 60|
|Employment eligibility||Government servants, employees of private sector organization, and self-employed individuals|
|Min. salary requirement||RM4,000 gross per month|
|Guarantor / Collateral requirement||N/A|
|Need to open linked banked account?||No|
|Need to buy Takaful product?||No|
Product Review by
Citibank Personal Loan FAQ
What is the maximum amount you can borrow?
Borrowable amount of up to eight times your fixed annual gross salary or RM120,000 for a maximum loan tenure of five years.
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, employee of private sector organization, or self-employed with a minimum gross salary of RM4,000 per month.
What will it cost you and how will you be charged?One time set-up fee:
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, Citibank will require one hour before approval or disbursement.
You are required to furnish the following documents for your loan application:
- Copy of NRIC (front and back)
- 2 months (most current) salary slips
- 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.