Handy Cash
Your quick solution with minimum documents

Handy Cash Your quick solution with minimum documents

Citi Handy Cash offers a fast and simple personal loan option to both employees and self-employed individuals to meet their quick financial needs with minimum documents. (Click HERE for Personal Loan Key Fact Statement)

Loan Promotion
Accept all types of salary proofa Loan amount
up to
8X monthly salaryb
handling fee
term up to
60 monthsc

Please refer to the Key Facts Statement for Citi Personal Loans for the applicable Annualized Percentage Rate.

How to Apply

To apply for a Handy Cash, you will need to fulfill the following requirements:

  • Hong Kong permanent resident aged 18 or above
  • In full-time employment with present employer for at least 3 months
  • Monthly salary of HK$6,000 or above

Loan Application Hotline: (852)2963 6477d

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The annualized percentage rate (“APR”) ranges from 19.46% to 44.72%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval. For a loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate is 0.83% (APR 19.46%), and the total loan repayment amount is HKD109,968 (including full handling fee waiver). The above example is for reference only.


Citibank reserves the right to accept or reject the relevant proof and the right to approve the loan and determine the applicable interest rates based on the submitted documents at sole discretion.
Loan amount of "Handy Cash"is up to 8 times of your monthly salary or HK$100,000, whichever is lower.
Repayment period of "Handy Cash" is of 6 to 60 months.
Application hotline service hours: Monday to Friday 9:00am - 7:00pm.