SPEEDY CASH

Cash on hand in 30 minutes
Plus, exclusive online offer of HK$500 in Cash Coupons

Cash on hand in 30 minutes Plus, exclusive online offer of HK$500 in Cash Coupons

Cash on hand in 30 minutes
Plus, exclusive online offer of HK$500 in Cash Coupons

Cash on hand in 30 minutes
Plus, exclusive online offer of HK$500 in Cash Coupons

Cash on hand in 30 minutes Plus, exclusive online offer of HK$500 in Cash Coupons

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.

Top reasons to get a Speedy Cash

  • Annualized Percentage Rate as low as 2.37%a
  • Loan amount up to 12X your monthly salaryb
  • Repayment term up to 48 monthsc
  • 30 minutes from application to drawdownd
  • Handling fee as low as HK$0e
  • Annualized Percentage Rate as low as 2.37%a
  • Repayment term up to 48 monthsc
  • Loan amount up to 12X of your monthly salaryb
  • Handling fee as low as HK$0e
  • 30 minutes from application to drawdownd

Act Now

Act Now

Apply by phone

(852) 2963 6477f(852) 2963 6477f

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

Act Now

Apply by phone

(852) 2963 6477f(852) 2963 6477f

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

Welcome Offer
Exclusive online offer of HK$500 in Cash Couponsh
Loan Usage Examples

Example1: Wedding

The memories of your wedding day will last a lifetime. Repaying the expenses shouldn't.

Citibank's cash loan services can help you realize the big day of your dreams. We provide you with tailor-made financial services to plan for your wedding expenses, and help you start a new page in your life more easily!

Typical wedding budget
Item Cost (Example)
Betrothal gift HK$38,000
Pre-wedding photos HK$12,000
Invitation cards and cake vouchers HK$6,000
Evening dress, gown and tuxedo HK$20,000
Make-up and hair styling HK$7,000
Wedding bands HK$8,000
Marriage registration fee HK$1,100
Banquet décor and car rental HK$5,000
Banquet HK$130,000
Wedding day photos and video HK$20,000
Tips and miscellaneous expenses HK$2,900
Total expenses HK$250,000

Repayment example of Citibank Speedy Cash of HK$250,000i.

Tenor Monthly repayment amount
12 months HK$21,234
24 months HK$10,817
36 months HK$7,345
48 months HK$5,609
60 months HK$4,567

Example 2: New Home

Finally, you're moving into your dream home. But after taking care of the down payment, there's little left for your other "moving" expenses.

Citibank Speedy Cash offers repayment terms up to 48 months to ease the challenges of first-time property buying. Monthly repayments of a few thousand dollars^ can leave you with a great financial flexibility to sleep well and enjoy your new home.

Item Budget (Example)
Solicitor's fee HK$5,000
Agent's commission HK$15,000
Public utility services deposits HK$5,000
Home refurbishment HK$40,000
Furniture and home appliances HK$30,000
Miscellaneous expense HK$5,000
Total expenses HK$100,000

Repayment example of Citibank Speedy Cash of HK$100,000j.

Tenor Monthly repayment amount
12 months HK$8,534
24 months HK$4,367
36 months HK$2,978
48 months HK$2,284
60 months HK$1,867
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.
  • Maximum annualized percentage rate is 47.73% with a flexible repayment period of 6 to 60 months, and handling fee as low as HK$0.T&C apply.
  • Example: Customer A borrows a 12-month loan of HKD200,000 at a monthly flat rate of 0.19% (APR4.27%), with HK$0 handling fee. Total loan repayment amount: HKD204,564
  • Card Debt Consolidation Loan Clear card debt in one go
  • Citibank Tax Season Loan Annualized Percentage Rate as low as 1.59%

Remarks:Remarks:

a.
Only applicable to selected individual customers. The quoted Annualized Percentage Rate ("APR") 2.37% is calculated based on monthly flat rate 0.11%, 12-month installment period and HK$1,000,000 loan amount, inclusive of HK$500 Online Offer. APR is calculated based on the guidelines as set out in the Code of Banking Practice. For definition of APR, please refer to clause (k). 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 48 months.
d.
Customers are required to apply for the loan online, through the application hotline or in person at a branch, and then submit all required documents to the designated branch after obtaining preliminary approval. Generally, applications will be assessed and, if approved, the loan will be available for drawdown by customers at the branch within 30 minutes from the moment that the branch confirms receipt of all the required documents, subject to the actual situation from time to time.
e.
Only applicable to selected individual customers.
f.
Application hotline service hours: Monday to Friday 9:00am - 7:00pm.
g.
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.
h.
HK$500 Supermarket Cash Coupon ("Cash Coupon") is applicable to customers who successfully submit the Citibank Loan Services Online Application Form and drawdown a Citibank Debt Consolidation / Speedy Cash ("Citibank Personal Loan") with loan amount greater than or equal to HK$70,000 and repayment term 12 months or above during the Promotion Period ("Online Offer Eligible Customers"). Only applicable to customers who currently do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited (“Citibank”).
i.
The illustration assumes a loan amount of HK$250,000 with a monthly flat rate of 0.16%. The Annualized Percentage Rate ("APR") with repayment period of 12 months, 24 months, 36 months, 48 months and 60 months is 3.59%, 3.71%, 3.74%, 3.74% and 3.73% respectively.For definition of APR, please refer to clause (k). Interest is calculated on the basis of 365 days per year. The 0.16% 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.
j.
The illustration assumes a loan amount of HK$100,000 with a monthly flat rate of 0.20%. 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 (k). Interest is calculated on the basis of 365 days per year. The 0.20% 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.
k.
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 Online Welcome Offer ("Online Offer")

  • The promotion period (“Promotion Period”) of Online Offer is from October 1, 2016 – January 31, 2017, both dates inclusive.
  • HK$500 Supermarket Cash Coupon ("Cash Coupon") is applicable to customers who successfully submit the Citibank Loan Services Online Application Form and drawdown a Citibank Debt Consolidation / Speedy Cash ("Citibank Personal Loan") with loan amount greater than or equal to HK$70,000 and repayment term 12 months or above during the Promotion Period ("Online Offer Eligible Customers"). Only applicable to customers who currently do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited (“Citibank”).
  • A Cash Coupon redemption letter will be mailed to the Online Offer Eligible Customer’s correspondence address on or before April 30, 2017.
  • The cash coupons are available while stock lasts. Citibank reserves the right to replace the cash coupons with 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 suppliers are responsible for all obligations and liabilities in relation to such products or services.
  • Online 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 an Online Offer Eligible Customer to participate in this promotion and the Online Offer Eligible Customer shall immediately repay to Citibank the full amount of Online Offer awarded under this promotion.
  • If Online Offer Eligible Customer are found to have made early settlement of/ cancel 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).
  • 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.