Get back on track with your finances. Consolidate your credit card balances and other debts into a Citi® Personal Loan with low fixed monthly payments.
With a Citi® Personal Loan, enjoy easy payment terms from one (1) to five (5) years.
- Cash of up to P2 Million
- Low monthly installments
- No collateral needed
- Payable in up to 5 years
Calculate your monthly amortizations here:
Your Monthly Installment
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Click here to see sample installment computation.
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Cardholder from other Bank MONTHLY AMORTIZATION TABLE |
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|---|---|---|---|---|---|
| 12 Months | 24 Months | 36 Months | 48 Months | 60 Months | |
| Php50,000 | 4,896.52 | 2,818.86 | 2,147.30 | 1,826.57 | 1,645.42 |
| Php100,000 | 9,793.04 | 5,637.71 | 4,294.60 | 3,653.13 | 3,290.84 |
| Php150,000 | 14,689.55 | 8,456.57 | 6,441.90 | 5,479.70 | 4,936.26 |
| Php200,000 | 19,193.72 | 10,865.91 | 8,154.32 | 6,845.12 | 6,095.12 |
| Php300,000 | 28,790.58 | 16,298.86 | 12,231.48 | 10,267.68 | 9,142.68 |
| Php400,000 | 38,387.45 | 21,731.82 | 16,308.63 | 13,690.24 | 12,190.23 |
| Php500,000 | 47,984.31 | 27,164.77 | 20,385.79 | 17,112.80 | 15,237.79 |
| Php1000,000 | 95,968.62 | 54,329.55 | 40,771.59 | 34,225.61 | 30,475.59 |
| Php2000,000 | 1,91,937.23 | 1,08,659.09 | 81,543.17 | 68,451.22 | 60,951.17 |
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Citibank® Cardholder MONTHLY AMORTIZATION TABLE |
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|---|---|---|---|---|---|
| 12 Months | 24 Months | 36 Months | 48 Months | 60 Months | |
| Php50,000 | 4,871.90 | 2,793.07 | 2,119.84 | 1,797.39 | 1,614.60 |
| Php100,000 | 9,743.79 | 5,586.14 | 4,239.68 | 3,594.79 | 3,229.20 |
| Php150,000 | 14,615.69 | 8,379.20 | 6,239.68 | 5,392.18 | 4,843.80 |
| Php200,000 | 19,193.72 | 10,865.91 | 8,154.32 | 6,845.12 | 6,095.12 |
| Php300,000 | 28,790.58 | 16,298.86 | 12,231.48 | 10,267.68 | 9,142.68 |
| Php400,000 | 38,387.45 | 21,731.82 | 16,308.63 | 13,690.24 | 12,190.23 |
| Php500,000 | 47,984.31 | 27,164.77 | 20,385.79 | 17,112.80 | 15,237.79 |
| Php1000,000 | 95,968.62 | 54,329.55 | 40,771.59 | 34,225.61 | 30,475.59 |
| Php2000,000 | 1,91,937.23 | 1,08,659.09 | 81,543.17 | 68,451.22 | 60,951.17 |
*The Effective Interest Rate (EIR) per annum ranges from 31.5% to 46.4% using a sample loan amount of P250,000 at a 24 month loan period (exact EIR is indicated in the Disclosure Statement). The EIR computation includes Loan Processing Fee, Loan Disbursement Fee and DST.
EIR is computed as: (Total Interest + Loan Processing Fee + Loan Disbursement Fee + DST) / (Total Outstanding Balance/12)
The computation of the installment loan amortization shall be on diminishing balance basis, under which the allocation of payments to principal and interest components of the monthly installment amounts due over the loan period is not equal. The first monthly installment amount due may be different than the succeeding monthly installment amounts due since the interest component of the first monthly installment amount due is pro-rated based on the number of days from the approval of the installment loan to the day before the next statement date of the Citi® Ready Credit account. Interest is compounded monthly.
These are estimated amortizations. Rates are subject to change. Your actual amortizations will be reflected in the loan disclosure statement.
A processing fee of Php1,500 and disbursement fee of Php250 shall apply.
Below are the requirements to apply for a Citi® Personal Loan:
| Citi® Personal Loan | |
|---|---|
| Age | 21-65 years old |
| Citizenship |
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| Minimum Annual Income | P250,000 |
| Others | Must have a credit card (may be from other banks) |
Please submit the following:
- Signed application form
- Two (2) valid IDs with photo and signature (ex. passport, driver's license, GSIS e-Card, SSS photo card ID, TIN photo card)
- ITR or BIR 2316 or latest 3 full months payslip
- Photocopy of the front side of any active credit card (must be active for at least 6 months for Citi® Card and at least 1 year for Cards from other banks)
Citi® Personal Loan
Please expect your application to be processed in 5 days*.
* Dependent on the mode of disbursement chosen.
Once approved, you will receive a call from Citi® to arrange your mode of disbursement. You may also contact our 24-Hour CitiPhone® hotline for the status of your application.
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Choose your preferred mode of disbursement:
- Branch pick-up
- Credit to any of your bank accounts in the Philippines that accepts funds transfer from another bank or
- Delivery of a Managers Check to your billing address.
- Review and sign the Loan Disclosure statement. Loan proceeds will only be released upon receiving a signed copy of the Loan.
For your security, loan proceeds will only be released to the loan applicant.