Your browser does not support JavaScript! Pls enable JavaScript and try again.


Bring your plans to life with
Citi Personal Loan

Get approved in as fast as 24 hours

*Open to existing Citi credit cardholders only

Citi Personal Loan features


Approval in as fast as 24 hours


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


Flexible repayment terms of 1 to 5 years

Enjoy maximum benefits
with a Citi Personal Loan

Major Life Milestone

Get extra cash fast for your big dreams 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
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.

Citi Personal Loan Eligibility, Requirements and FAQs

  • 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 complete 1 month pay slip issued within the last 2 months (Note: If you receive two or more pay slips in a month, please submit all of them); or

    • Certificate of Employment with Salary issued within the last 2 months; or

    • Latest ITR with BIR stamp (Note: ITR that was issued in 2020 will only be accepted until June 30, 2022)

  • For self-employed:

    • Latest income tax return of your business (Form 1701) – all pages; AND

    • Latest Audited Financial Statements of the business with independent auditor’s report and balance sheets and tax receipt with bank stamp – all pages

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

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

Citibank, N.A. Philippine Branch is regulated by Bangko Sentral ng Pilipinas with contact details at