SPEEDY CASH

Citibank Personal Loans
With Annualized Percentage
Rate as low as 2.23%
and $0 handling fee

Citibank Personal Loans With Annualized Percentage Rate as low as 2.23% and $0 handling fee

For the special times when you need to increase financial flexibility at a moment’s notice, turn to Citibank Speedy Cash. You’ll receive greater cash flow quickly and also enjoy an ultra-low interest rate on repayments.

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Top reasons to get Speedy Cash

  • Annualized Percentage Rate as low as 2.23%a
  • Loan amount up to 12X your monthly salaryb
  • Repayment term up to 60 monthsc
  • HK$0 handling fee
  • Flexible loan disbursement
    by Cash or Check or Credit to any of your bank account
  • Annualized Percentage Rate as low as 2.23%a
  • Repayment term up to 60 monthsc
  • Loan amount up to 12X of your monthly salaryb
  • HK$0 handling fee
  • Flexible loan disbursement
    by Cash or Check or Credit to any of your bank account

Act Now

Act Now

Loan Application Hotline

(852) 2963 6477d(852) 2963 6477d

1 minute approval for a personalized loan amount & interest ratee
(Only applicable to HKID Cardholders)

Top up your existing Citibank Personal Loans now with HK$500 in cash coupons!

Act Now

Loan Application Hotline

Mobile button(852) 2963 6477d

1 minute approval for a personalized loan amount & interest ratee
(Only applicable to HKID Cardholders)

APPLY NOW

Top up your existing Citibank Personal Loans now with HK$500 in cash coupons!

Welcome Offer
Citibank Personal Loans. Now with up to HK$1,888 in cash coupons
How To Apply

To apply for a Speedy 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 2.07% to 42.50%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval.
  • For a loan amount of HKD200,000 with 12 months repayment period, the monthly flat rate is 0.2% (APR 4.49%), and the total loan repayment amount is HKD204,804 (including full handling fee waiver). The above example is for reference only.
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  • Citibank Personal Loans. Now with up to $1,888 in cash coupons
To borrow or not to borrow? Borrow only if you can repay!

Remarks:Remarks:

a.
Only applicable to selected individual customers. The quoted Annualized Percentage Rate ("APR") 2.23% is calculated based on monthly flat rate 0.10%, 12-month installment period and HK$1,000,000 loan amount. APR is calculated based on the guidelines as set out in the Code of Banking Practice. For definition of APR, please refer to clause (g). Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ.
b.
Loan amount of "Speedy Cash" is up to 12x times of your monthly salary or HK$2,000,000, whichever is lower.
c.
Repayment period of "Speedy Cash" is of 6 to 60 months.
d.
Application hotline service hours: Monday to Friday 9:00am - 7:00pm.
e.
Instant approval result is applicable to selected applications via our website during 8am to 1am on Monday to Friday, 9am to 1am on Saturday and noon to 1am on Sunday & Public Holidays. Citibank reserves the right of final approval decision.
f.
The illustration assumes a loan amount of HK$100,000 with a monthly flat rate of 0.28%. The Annualized Percentage Rate ("APR") with repayment period of 12 months, 24 months, 36 months, 48 months and 60 months is 4.51%, 4.65%, 4.67%, 4.68% and 4.66% respectively. For definition of APR, please refer to clause (g). Interest is calculated on the basis of 365 days per year. The 0.28% monthly flat rate is applicable for selected new customers only. The above example is for reference only. Citibank's final approval of loan amount, repayment term and interest rate are subject to change in accordance with the circumstances of individual cases. Please contact Citibank for details.
g.
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.

Terms and Conditions:Terms and Conditions:

Terms and Conditions of Up To HK$1,888 Summer Offer ("Summer Offer")

  • The Summer Offer promotion period ("Promotion Period") is from July 4, 2017 to Aug 31, 2017, both dates inclusive.
  • The Summer Offer is only applicable to customers (“Eligible Customers”) who successfully apply and draw down a Citibank Personal Loan with specific loan amount and repayment terms of 12 months or above during the Promotion Period. Customers who hold any Personal Loan account offered by Citibank (Hong Kong) Limited (“Citibank”) at the time of application are not eligible.
    Citibank Personal Loan Amount (HK$) Cash Coupon (HK$)
    >=$500,000 $1,888*
    $150,000 - <$500,000 $1,288#

    If customers apply and drawdown a Citibank Personal Loan in which the Balance Transfer Amount including the drawdown amount of the balance transfer of other loans or credit card or revolving credit facilities, is equal to or more than HK$200,000, customers can enjoy $1,888*.

    *Customers will receive a HK$12 bonus on top of the HK$1,888 Summer Reward because the value of the supermarket cash coupons totals HK$1,900.
    #Customers will receive a HK$12 bonus on top of the HK$1,288 Summer Reward because the value of the supermarket cash coupons totals HK$1,300.
  • A Cash Coupon redemption letter will be mailed to the Summer Offer Eligible Customer's correspondence address on or before December 31, 2017.
  • The cash coupons are available while stock lasts. Citibank reserves the right to replace the cash coupons with an alternative gift without prior notice. The cash coupons offered cannot be converted to cash and are not replaceable in the event of any loss or damage. Citibank accepts no liability in respect of the quality of the products or services provided by the cash coupons supplier involved in this promotion. Cash coupons are subject to relevant terms and conditions printed therein. The respective cash coupons suppliers are responsible for all obligations and liabilities in relation to such products or services.
  • Summer Offer Eligible Customers' Citibank Personal Loan accounts must be valid and in good condition without late payment or early payment, otherwise Citibank reserves the right to forfeit the eligibility of a Summer Offer Eligible Customer to participate in this promotion and the Summer Offer Eligible Customer shall immediately repay to Citibank the full amount of the Summer Offer awarded under this promotion.
  • If the Summer Offer Eligible Customer is found to have made early settlement of/ canceled the Citibank Personal Loan, Citibank reserves the right to debit:
    • the full amount of the Cash Coupons; AND
    • an early repayment fee for his/ her Personal Loan (which is based on a rate on the entire principal amount of the Personal Loan as set out in the drawdown letter)
  • The Summer Offer cannot be used in conjunction with any other promotional offers.
  • Citibank reserves the right to amend these Terms and Conditions at any time without prior notice.
  • In case of disputes, the decision of Citibank shall be final and conclusive.
  • In the event of discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the English version shall prevail.

Terms and Conditions of Top up Offer ("Top up Offer")

  1. The promotion period ("Promotion Period") of the Top up Offer is from May 1 to Aug 31, 2017, both dates inclusive.
  2. The HK$500 Supermarket Cash Coupon ("Cash Coupon") is only applicable to customers ("Eligible Customers") who fulfill all of the following conditions:
    • who hold a valid personal loan account with Citibank (Hong Kong) Limited (“Citibank”) at the time of application
    • successfully apply within Promotion Period and
    • redraw a Citibank Personal Loan with an amount greater or equal to HK$250,000 and repayment term 12 months or above by July 31, 2017
  3. A Cash Coupon redemption letter will be mailed to the Eligible Customer's correspondence address on or before December 31, 2017.
  4. The cash coupons are available while stock lasts. Citibank reserves the right to replace the cash coupons with an alternative gift without prior notice. The cash coupons offered cannot be converted to cash and are not replaceable in the event of any loss or damage. Citibank accepts no liability in respect of the quality of the products or services provided by the cash coupons supplier involved in this promotion. Cash coupons are subject to relevant terms and conditions printed therein. The respective cash coupons suppliers are responsible for all obligations and liabilities in relation to such products or services.
  5. Eligible Customers' Citibank Personal Loan accounts must be valid and in good condition without late payment or early payment, otherwise Citibank reserves the right to forfeit the eligibility of an Eligible Customer to participate in this promotion and the Eligible Customer shall immediately repay to Citibank the full amount of reward under this promotion.
  6. If the Eligible Customer is found to have made of early settlement of/ canceled the Citibank Personal Loan, Citibank reserves the right to debit:
    • the full amount of the Cash Coupon; AND
    • an early repayment fee for his/ her Personal Loan (which is based on a rate on the entire principal amount of the Personal Loan as set out in the drawdown letter)
  7. All Citibank staff are not eligible to participate in this promotion.
  8. Citibank reserves the right to amend these Terms and Conditions at any time without prior notice.
  9. In case of disputes, the decision of Citibank shall be final and conclusive.
  10. In the event of discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the English version shall prevail