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Citi Personal Loan

CITI PERSONAL LOAN

Bring your plans to life with
Citi Personal Loan

Get approved in as fast as 24 hours

Apply Now

Citi Personal Loan features

PL_approval

Approval in as fast as 24 hours

PL_loan

High loan amount of up to P2 million without any collateral or guarantor

PL_flexible

Flexible repayment terms of 1 to 5 years

Enjoy maximum benefits
with a Citi Personal Loan

Business Expansion

Get extra cash fast for your business needs with Citi Personal Loan’s 24-hour approval.

Home Renovation

Spruce up your home with extra funds with a Citi Personal Loan for your home improvement needs.

Personal growth

Fund your expenses whether for school admission or debt payment with a Citi Personal Loan.

Personal Loan Repayment Calculator

Financial planning is crucial to ensure that you face no monetary challenges while paying your loan EMI each month. If you want to apply for a personal loan, then before doing so, you can use our personal loan repayment calculator to estimate your monthly repayments.

I need
P 100,000
100000
P100,000
P2,000,000
Available repayment plans
P3,047.67/month for 60 months
ACR 26.9%
These are estimated amortizations based on average Annual Contractual Rate (ACR) of 26.9%. Know more about ACR on our Fees and Charges page. Your actual amortizations will be reflected in the loan disclosure statement. A disbursement fee of P1,750 shall apply. Documentary stamp tax at P1.50 per P200 of your loan amount may also apply.

Example: If you borrow a loan of P50,000, payable in 12 monthly installments, at an applicable annual contractual rate of 26.9%, with the disbursement fee of P1,750 and documentary stamp tax of P0, the total loan repayment amount will be P59,331.17.

Eligibility and Required Documents
  • You are at least 21 to 65 years old.

  • You are a Filipino resident or a local resident foreigner with a valid Philippine billing address.

  • You have a Tax Payer's Identification Number (TIN).

  • You are a principal credit cardholder.

  • Have a minimum gross annual income of Php 250,000.

Please submit the following:

One (1) valid government-issued ID with photo and signature.

For employed: Latest 1 month full pay slip

For self-employed: Latest Income Tax Return (BIR Form 1701); and Audited Financial Statements (AFS) of the business with independent auditor's report and balance sheets and tax receipt

Duly accomplished application form Fill out online, Download Form.

Foreign Nationals:

Please submit a photocopy of either of the following:

  1. Valid passport or ACR, AND

  2. Any of the following proofs of local residency:

    • a. Immigrant Certificate of Residency (ICR)

    • b. ACR I-Card with Visa status "Permanent", otherwise, should be valid for more than 1 year

    • c. Visa and Work Permit/Alien Employment Permit (AEP) with validity of more than 1 year

    • d. Special Resident Investors (SRIV)

    • e. Special Resident Retirement Visa (SRRV)

    • f. For Top 2000 companies, employment contract or letter from Company HR printed on company letterhead with name, position, and confirmation of term.

You may send your documents via:

Email to loans.ph@citi.com

Terms and Conditions

Click  here  to view terms and conditions

For any concerns, you may call us at (632) 8995-9999 or send us a message through www.citibank.com.ph.

Citibank, N.A. Philippine Branch is regulated by Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.