citibank personal loan

Citibank Personal Loan

Minimum loan amount

P 100,000

Minimum annual income

P 250,000

Add-on interest


Special Promotions

Free B Coffee Gift Set + Win ₱75,000 Abenson GCs!

Revamp your home or purchase your first property with a Citi Personal Loan! Apply and get approved through Moneymax and get a free B Coffee Co Gift Set worth ₱4,999 and a chance to win ₱75,000 worth of Abenson GCs! 

Promo runs until December 31, 2021. Per DTI Fair Trade No. FTEB-128263. Series of 2021. See full T&Cs here.

Product Summary

citibank personal loan

Citibank Personal Loan

Bring your plans to life when you apply for a Citi Personal Loan. With a high loan amount of up to ₱2 million and flexible repayment terms, you can fund your dream business or home improvement projects. Apply now and get approved in as fast as 24 hours!

    • Fast approval time in as fast as 24 hours
    • High loan amount of up to ₱2 million
    • Flexible payment terms of up to five (5) years
    • No collateral or guarantor needed
    • Ideal for: home renovation, opening a new business, or funding vacations
    Age21 to 65 years old
    Minimum Annual IncomeP250,000
    Credit CardRequired
    Landline NumberRequired
    Late payment Fee P500

    Is this the right product for you?

    Checkout the other personal loan listing.

    Citibank Personal Loan Review

    Part of the financial planning process is to consider applying for a personal loan. After all, you can only stretch your budget so much. If you’re looking for financial aid, Citibank is one of the best banks out there with its fast approval time, high loan amounts, and low interest rates.

    Where Can I Use a Citi Personal Loan?

    You can use your Citibank Personal Loan to fund huge expenses that usually take years to save up for. Because of Citibank’s high loan amount, you can use your loan to make life-changing decisions. Here are just some of the most common loan purposes in the Philippines:

    • Business Expansion - Use your personal loan to start a new business or expand your current one. You can also use it to fund other business-related expenses.
    • Home Renovation - Want to renovate your home? Fund quick major repairs with your Citi Personal Loan. You can also use it to expand your real estate property.
    • Planned Vacations - If you’re looking to explore the world with the people you love or by yourself, you can use your Citi Personal Loan to fund your dream vacation.
    • Dream Wedding - Marry the love of your life in the dream wedding you’ve always wanted. Don’t have a budget for it? Apply for a Citi Personal Loan online and make it happen.
    • School Expenses - Got any unpaid tuition or other school expenses? Whether it’s for you or your children’s education, don’t miss a school year with a Citi Personal Loan.
    • Debt Payment - Stressed by unpaid debts? As long as you’re in good standing with your previous loan provider, you can also use your Citi Personal Loan to settle your debts.

    Who Can Get a Citi Personal Loan?

    To start your journey, you need to meet the following Citi Personal Loan eligibility criteria:

    • At least 21 to 65 years old
    • Filipino resident or a local resident foreigner with a valid Philippine billing address
    • Minimum gross annual income of ₱250,000.
    • Must have a Citi credit card for at least six months or other credit cards for at least one year
    • Must have a tax identification number (TIN)

    Citi Personal Loan Requirements for Filipinos

    • Completed Citi personal loan application form
    • Valid government-issued ID with photo and signature
    • For employed borrowers: Payslip for the past three months/latest income tax return (ITR) or BIR Form 2316
    • For self-employed borrowers: Latest ITR or BIR Form 1701 and audited financial statements with independent auditor’s report and balance sheets and tax receipt

    Citi Personal Loan Requirements for Foreigners

    • Alien Certificate of Registration (ACR) or valid passport
    • Any proof of residency in the Philippines:
      • Immigrant Certificate of Residency (ICR)
      • Visa and work permit or Alien Employment Permit (AEP) with a validity of more than one year
      • ACR I-Card with a permanent visa status or validity of more than one year
      • Special Resident Retirement Visa (SRRV)
      • Special Resident Investors Visa (SRIV)
    • For expats employed in top 2,000 companies: Employment contract or letter from the company HR printed on company letterhead with name, job title/position, and confirmation of term

    Loan Rates and Sample Computation

    To get a sample computation of your Citibank Personal Loan, head down to the Citibank Loan website and use its Citibank Loan Calculator. You can enter the loan amount you want and you’ll instantly get monthly payment estimates based on the loan term. Here are some sample computations for the most common loan amounts:

    Citi Personal Loan Rates

    • Loan terms: 1 to 5 years
    • Monthly interest rate: 2.42%
    • Average annual contractual rate: 26.9%
    • Effective annual interest rate: 32.05% for a loan worth ₱200,000 at 36 monthly repayments (inclusive of monthly interest charge, disbursement fee, and DST)

    Sample Computation

    Loan Amount

    12 months

    24 months

    36 months

    48 months

    60 months


    How to Get a Citi Personal Loan via Moneymax

    1. Applying for a Citibank Personal Loan is easy when done online. Make it more convenient when you apply for a loan via Moneymax. Just follow these simple steps:
    2. Scroll back to the top of this page and click Apply Now.
    3. Enter your employment status, loan amount, monthly income, and other required information before clicking Next.
    4. Enter your name, email address, and phone number on the pop-up form. Tick the terms and conditions and marketing consent boxes before clicking Next.
    5. From there, our team will assess your application to check if you’re eligible for a loan. Citibank will contact you if you’re qualified to apply.


    You can loan a minimum of PHP 20,000 and a maximum of PHP 2 million.

    No, you cannot. To prevent identity fraud, loan proceeds will only be released by Citibank solely to the applicant.

    This is the process upon receiving approval for your Citibank Loan.
    1. Choose a method of disbursement:
      1. Credit to your bank account
      2. Delivery of a manager’s check to your address
    2. Sign the Loan Disclosure Agreement (LDS).
    3. Prepare post-dated checks as scheduled in the LDS.
    4. Loan proceeds will be released after sending the post-dated checks.

    A Citi Personal Loan application can be processed in as fast as 24 hours. Just make sure that your documents are complete when you submit these.

    You will receive a call from Citibank to arrange your loan disbursement. To follow up on your application, call their hotline at 8995 9999.

    You can head to the Citi Personal Loan website and use the online loan calculator to check your estimated monthly payments.


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