Citibank Personal Loan

If you are looking to apply for a personal loan, we are introducing to you Citibank Ready Credit PayLite, a product with even more benefits:
  • One-time application process
  • Attractive interest rates
If you are an existing Citibank Instalment Loan customer, please refer below for details on Fees and Charges and Terms & Conditions.
You can now get cash from the overdraft line assigned to your Citibank Ready Credit and repay in monthly instalment with PayLite

Benefits:

  • Competitive Effective Interest Rate varies from 5.9% to 17.9% p.a.
  • Choice of 6, 12, 18, 24, 30, 36 or 48 months tenure

How it works:

  • Decide your preferred cash amount from the Credit Limit assigned (min RM1,000)
  • Choose your repayment tenure (6, 12, 18, 24, 30, 36 or 48 months)
  • Have the cash amount transferred to your current/savings account of your choice
  • Make fixed monthly repayment every month

How to apply?

  • Already a Citibank Ready Credit customer? Just call CitiPhone to apply over the phone
  • Not yet a Citibank Ready Credit customer? Click here to leave your contact and our officer will call you back on the next working day
Rediscover your spending power by consolidating your credit/charge card outstanding balances held with other banks to enjoy greater savings and better management of your finances with Balance Transfer via Instalment Plan
Benefits:
  • Ability to consolidate outstanding balances from up to 3 credit/charge cards from other banks
  • Competitive Effective Interest Rate at 9.9% p.a.
  • Choice of 6, 12, 18, 24, 30, 36 or 48 months tenure
  • Convenience of making a single repayment every month

How it works:

  • Decide the credit/charge cards you want to perform balance transfer from (min RM1,000 per card)
  • Choose your repayment tenure (6, 12, 18, 24, 30, 36, or 48 months)
  • Make fixed monthly repayment every month

How to apply?

  • Already a Citibank Ready Credit customer? Just call CitiPhone to apply over the phone
  • Not yet a Citibank Ready Credit customer? Click here to leave your contact and our officer will call you back on the next working day

Citibank Personal Loan Feature & Charges

Types of ChargesAmount
Stamp Duty (Ad-valorem)0.5% of loan amount, shall be deducted upfront from the loan amount before disbursement of the loan.
Late Payment Fee1% per annum on the instalment amount in arrears calculated on daily basis.
Statement Request Fee (interim)RM5.00 per copy
Early Settlement FeeRM200 or 3% of loan outstanding balance whichever is higher, if the loan is settled before reaching half of the loan tenure, starting from the date of full disbursement of the loan.

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