SPEEDY CASH

For those special times when you need to increase financial flexibility at a moment’s notice, turn to a Citi Speedy Cash. You will receive greater cash flow quickly and also enjoy an ultra-low interest rate on repayments. (Click HERE for Personal Loan Key Fact Statement)

Successfully apply to enjoy up to HK$3,800 Cash Coupon
Successfully apply to enjoy up to HK$3,800 Cash Coupon
Loan Promotion
Annualized
Percentage Rate
as low as 2.01%a
Repayment term
up to
60 monthsc
Loan amount
up to 12X of your
monthly salaryd
HK$0
handling fee
Annualized
Percentage Rate
as low as 2.01%a
Repayment term
up to
60 monthsc
Loan amount
up to 12X of your
monthly salaryd
HK$0
handling fee
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.
MONTHLY REPAYMENT AMOUNT

Use these online loan repayment calculators to assess your annualized percentage rate and monthly repayment amount.

Please enter below info to calculate your loan result:

Loan Amount (HK$)

Monthly Flat Rate (%)

Tenor

Handing Fee (HK$)

Annualized Percentage Rate

0%

Monthly Repayment Amount

HK$0

The above information is for reference only. The personal loan is subject to Citibank’s final approval. For further details of terms and conditions applying to any personal loan plans, please contact Citibank.
*The Total Interest Expense is calculated based on the daily interest and a 365 day basis full year period.

Loan Application Hotline: (852)2963 6477e

Loan Application Hotline:
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Loan Amount (HK$)

Preferential Interest Rate for Citigold Private Client/ Citigold customers

Loan Amount (HK$) $1,500,000 or above
Monthly Flat Rate
per month as low as
0.09%
Tenor Annual Percentage Rate
(APR) as low as
Monthly repayment
amount (HK$) for every
HK$10,000 loan amount
as low as
6 months 1.86% $1676
12 months 2.01% $843
18 months 2.06% $565
24 months 2.08% $426
36 months 2.10% $287
48 months 2.11% $218
60 months 2.11% $176

Interest Rate for other customers

Loan Amount (HK$)
Monthly Flat Rate
per month as low as
Tenor Annual Percentage Rate
(APR) as low as
Monthly repayment
amount (HK$) for every
HK$10,000 loan amount
as low as
6 months
12 months
18 months
24 months
36 months
48 months
60 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. 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 monthly repayment amount above is calculated based on 6, 12, 18, 24, 36, 48 or 60 months repayment period and loan amount of every HK$10,000. The monthly repayment amount is rounded up to the nearest integer. Please note that the actual monthly repayment amount may differ, customers can refer to the Personal Loan Application Confirmation Letter for actual related information.

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Remarks:Remarks:

a.
The Annualized Percentage Rate ("APR") of as low as 2.01% is calculated based on the monthly flat rate 0.09% with loan amount of HK$1,000,000 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.
b.
Same day approval is only applicable to selected customers who successfully submit the required documents together with a filled in application form before noon of that working day . Actual approval time may differ based on the information provided.
c.
Repayment period of "Speedy Cash" is of 6 to 60 months.
d.
Loan amount of "Speedy Cash" is up to 12x times of your monthly salary or HK$2,000,000, whichever is lower.
e.
Application hotline service hours: Monday to Friday 9:00am - 7:00pm.

Terms and Conditions:Terms and Conditions:

Terms and Conditions of Up to HK$3,800 Welcome Offer (“Welcome Offer”)

  • The Welcome Offer promotion period ("Promotion Period") is from July 1, 2019 to September 30, 2019, both dates inclusive.
  • Customers who successfully apply for Citi Speedy Cash within the Promotion Period and drawn down on or before October 15, 2019 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Welcome Offer. Only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited (“The Bank”) at the time of application.
  • Customers who successfully apply for Citi Speedy Cash via Citibank website’s specified link within the Promotion Period and drawn down on or before October 15, 2019 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Online Exclusive Offer (“Online Offer”).
  • Welcome Offer

    Loan Amount (HK$)

    Mass Offer (HK$)

    Online Exclusive Offer (HK$)

    HK$600,000 or above

    HK$1,300 cash coupon

    $2,500 cash coupon

    HK$400,000 to HK$599,999

    HK$800 cash coupon

    $1,800 cash coupon

    HK$200,000 to HK$399,999

    HK$400 cash coupon

    $900 cash coupon

  • A cash coupon redemption letter (if applicable) will be mailed to the Eligible Customers’ correspondence address according to The Bank’s record on or before November 30, 2019.
  • Cash coupon reward is subject to availability. The Bank reserves the right to offer an alternative gift or benefit in substitution of the cash coupon reward without prior notice. Cash coupon reward cannot be converted to cash and are not replaceable in the event of any loss or damage. The use of the cash coupon reward is bounded by the relevant terms and conditions printed therein and The Bank accepts no liability in respect of the quality of the products and services provided by the supplier involved in this promotion. The respective suppliers are responsible for all obligations and liabilities in relation to such products or services.
  • Each Eligible Customer can enjoy the Welcome Offer once during the Promotion Period.
  • Eligible Customers’ Citi Personal Loan account must be valid and in good condition without any late payment or early repayment, otherwise The Bank reserves the right to forfeit the eligibility of an Eligible Customer to participate in this promotion and the Eligible Customer shall immediately repay to The Bank full amount of the reward under this promotion.
  • If Eligible Customer are found to have made early settlement of/ cancel Citi Personal Loan, the Bank reserves the right to debit:
    • the full amount of the cash coupons reward (if applicable); AND
    • the early repayment fee for his/ her Citi 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 Welcome Offer cannot be used in conjunction with any other promotional offers.
  • Citi Speedy Cash is the product of Citi Personal Loan and is subject to the "Terms and Conditions for Citibank Personal Loan".
  • The Bank reserves the right to amend these Terms and Conditions at anytime without prior notice.
  • In case of disputes, the decision of The Bank 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.

The annualized percentage rate (“APR”) ranges from 2.01% to 44.72%, with repayment period of 6 to 72 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 0.35% (APR 7.94%), and the total loan repayment amount is HKD208,404 (including full handling fee waiver). The above example is for reference only.