Citi Handy Cash

Your quick solution with minimum documents

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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)

Accept all types of salary proof
Accept all types of salary proofa
Loan amount up to 8x monthly salary
Loan amount up to 8x monthly salaryb
Repayment term up to 60 months
Repayment term up to 60 monthsc
No hidden terms and conditions
No hidden terms and conditions
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

The annualized percentage rate (“APR”) ranges from 19.46% to 44.72%, with repayment period of 6 to 60 months.
The Annualized Percentage Rate ("APR") of as low as 19.46% is calculated based on the monthly flat rate 0.83% with loan amount of HK$100,000 and repayment tenor of 12 months.
The Annualized Percentage Rate ("APR") of as low as 44.72% is calculated based on the monthly flat rate 1.79% with loan amount of HK$90,000 and repayment tenor of 12 months.
APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR.
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.

Remarks:

  1. 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.
  2. Loan amount of "Handy Cash"is up to 8 times of your monthly salary or HK$100,000, whichever is lower.
  3. Repayment period of "Handy Cash" is of 6 to 60 months.
  4. Application hotline service hours: Monday to Friday 9:00am - 7:00pm.