SPEEDY CASH

  • Citibank Speedy Cash Now with up to HK$1,888 in cash coupons

    Citibank Speedy Cash
    Now with up to HK$1,888
    in cash coupons


  • 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.

Top reasons to get a Speedy Cash

Loan amount up to HK$2 million or
12x your monthly salary

APR as low as 2.23%a

Monthly interest as low as HK$280 per
HK$100,000 loan amountf

No handling fee

Summer Offer

Apply Speedy Cash to get

up to HK$1,888

in Cash Coupons

Loan Application Hotline

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Loan Calculator

Please enter below info to calculate your loan result:

Loan Amount

HK$

Monthly Flat Rate(%)

Rate

Tenor

Months

Handing Fee

HK$

Annualized Percentage Rate

0%

Monthly Repayment Amount

HK$0

The information is for reference only.
Annualized Percentage Rate (APR) is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up to the nearest two decimal places. APR is a reference rate which includes the monthly flat rate and other fees and charges expressed as an annualized rate. Monthly installment amount is rounded up to the nearest integer.

  • Am I eligible?

    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.
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    • 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 Personal Loans. Now with $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 0.20%. 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 (g). 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.
    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$1,288 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.