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Citibank personal loans for february 2024

Get a personal loan at Citibank. On 22.02.2024 there are 1 options available to you. Increase your chances of getting a loan — fill out an application with a free credit rating check.
Offers: 1
Personal Loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
₱100,000 - ₱2,000,000

Effective interest rate on the product

26.9% per year

Loan term for the financial product

1 - 5 years
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Get the money you need online

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Your ideal cash loan with a free credit check in the Philippines is just a few clicks away.

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Loan amount

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100000 ₱
2000000 ₱
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Annual Contractual Rate

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26.9 %
26.9 %
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No comment yet coz im not yet approved in my application
very fast
Please address my concerns regarding my loan application and its processing...
Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates...
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0...
Citibank personal loans for february 2024

A personal loan from Citibank may cover any personal emergency. The highest loanable amount is ₱2 million, with a minimum loanable sum of ₱100,000. The shortest loan term is 12 months, while the longest is five years. Apart from that, the Citibank personal loans are charged based on the annual contractual rate that starts at 26.9%.

How to apply for a Citibank personal loan?

Users can easily apply for a loan online. To apply for a personal loan, follow the steps below:

  1. Visit the official Citibank website.
  2. On the top, you will see the list of services. Click on Loans.
  3. On the next page, click on Apply now.
  4. Read all the terms and conditions along with the prerequisites to apply for this personal loan.
  5. Below, you will see a question that starts with “Do you have a credit card,” click on either Yes or No, depending on your situation.
  6. If you press no, you will not be able to apply for a personal loan. You will be redirected to a new page if you already have a credit card under your name.
  7. Enter all your details like your name, DOB, and identification number (select any ID type from the given options based on availability).
  8. After that, check all the boxes after reading the related terms and conditions, and then click on Begin application.
  9. On the next page, provide additional details like your nationality, civil status, and ZIP code. Then you have to add details about your employment, like your work sector, nature of business, job title, employer’s name, and gross annual income. Then click on Confirm details.
  10. You will see a confirmation message that your application has been submitted.



    To be qualified for a personal loan from Citibank, candidates must fulfill the following eligibility status:

    • Be between the age group of 21 to 65.

    • Have a legitimate Philippine billing address.

    • Either be a Filipino resident or a foreign resident of a country that Citibank accepts.

    • Have a taxpayer identification number (TIN) available.

    • Have a primary credit card under their name.

    • Have a minimum annual gross income of ₱250,000 or more.

    • Provide one photo and signature ID from a legitimate government agency.

    • Any of the following documents that serve as their proof of residence (only for visitors from abroad): alien registration certificate, immigrant registration certificate, or a passport photo.

    Documents requirements

    For employees

    • The recent 1-month payslip that was issued within the previous two months (if you receive multiple payslips in a month, submit all of them).

    • At least 2-month-old certificate of employment with salary.

    • Newest ITR bearing a BIR stamp (ITR issued in 2020 will not be accepted).

    For self-employed

    • All pages of your company's most recent Form 1701 from the income tax return.

    • Current year's audited financial statements for the company, including balance sheets, tax receipts with bank stamps, and an independent auditor's report.

    • Correctly fill up the application Download and complete the form online.

    For international residents

    A photocopy of one of the documents is below.

    • ACR or a valid passport.

    • Any of the following documents demonstrating local residency:

      • Certificate of residence for immigrants.

      • ACR I-Card with the Visa status "Permanent" should have a more extended validity period than a year.

      • Visa and work permit with a validity period longer than a year.

      • Investors who are special residents have to provide a special retiree resident VISA.

      Pros and cons


      • Offers low-interest rate. Citibank offers one of the lowest rates for personal loans in the Philippines. When the interest rate is down, you pay less interest on your Citi personal loan. You will save money doing this throughout your loan.

      • Offers collateral-free loans. The Citi personal loan does not demand any security or guarantors to provide access to funds.


      • Requires a credit card. A Citi personal loan may not be available to all borrowers due to a few conditions, such as credit card ownership.

      • Requires repayment via ADA. An auto-debit arrangement will be used to pay the loan, due to which the bank will have access to your account.

      How to repay Citibank personal loans?

      Citibank provides the following payment options for personal loans:

      • You can repay by using mandates like ACH or ADA. You must give Citibank a signed mandate before transferring any money from your account to another bank.

      • Using the Citibank Personal Loan EMI payment option, you can create a standing order to pay your EMI dues.

      • You can also pay the dues through direct payment transfers like NEFT.

      • You can also pay your EMI online with E-pay. The money is credited into your account within two working days (excluding Saturdays and Sundays).


      What if I fail to make my Citibank personal loan monthly payment?

      For each month an account is past due, a penalty equal to 8% of the outstanding balance or ₱500, whichever is greater, will be assessed.

      Can I pay my Citibank personal loan in advance?

      Yes, you can pay off your debt early. However, there will be an early payment processing fee equal to 8% of the outstanding principal balance or ₱500, whichever is higher.