Citi Quick Cash offers personal loans designed for flexibility and affordability. With promotional rates as low as 3.45% p.a. for new customers and an effective interest rate of 6.5% p.a., it stands out among Singapore’s personal loan options. You can choose loan tenures ranging from 12 to 60 months, and borrow up to 4x your monthly income, or up to 8x if you earn at least S$120,000 annually. Importantly, there are no processing fees, and instant approval with disbursement is available for Citi account holders.

How to Apply for Citi Quick Cash

Applying for Citi Quick Cash is quick and simple. Existing Citi Credit Card or Ready Credit customers can apply directly via the Citi Mobile app or website, with no extra documents needed. New clients need to submit proof of income and identification. The loan amount is typically credited within a day for Citi account holders and up to five working days for others.

Pros of Citi Quick Cash

Citi Quick Cash’s main advantages are its low interest rates and the absence of processing fees, making it an affordable personal financing solution. Instant approval for Citi customers adds major convenience, and the flexible loan amounts accommodate a wide range of borrowing needs, including medical expenses, renovation, or education.

Cons of Citi Quick Cash

One drawback is the eligibility criteria—S$30,000 minimum annual income for residents (S$42,000 for foreigners). Non-Citi account holders may also experience slower fund disbursement. Additionally, only new Citi credit card or Ready Credit customers receive the promotional rate, so existing customers may get a higher rate.

Final Verdict

Citi Quick Cash is a top choice for those seeking a reliable personal loan in Singapore. The incredibly low promotional interest rate, absence of hidden charges, and seamless application process through the Citi Mobile app provides an excellent overall loan experience. However, it pays to check the exact terms offered based on your customer profile.