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Citibank Citi Quick Cash
Flexible loan option with interest rates as low as 3.45% p.a. and loan tenure up to 60 months. Enjoy zero processing fees and fast approval.
Citi Quick Cash Personal Loan is a popular loan offer for those in need of fast cash with minimal fuss. With exclusive interest rates as low as 3.45% p.a. for new customers (EIR 6.5% p.a.), this product stands out for its affordability. Applicants may borrow up to four times their monthly income—or even eight times, if their annual income is S$120,000 or more. Approval is subject to eligibility requirements, with immediate funds for existing Citibank account holders.
How to Apply for Citi Quick Cash
- Log in to your Citi Mobile app or Citibank online.
- Select the Quick Cash option.
- Choose your loan amount and repayment tenure (12–60 months).
- Submit your application; existing customers need no extra documents.
- If you’re new, provide NRIC (or passport) and proof of income.
- Await approval and receive funds—often within a working day for Citi accounts.
Key Strengths
The interest rates are very competitive, especially for new-to-bank customers, plus there are absolutely no processing or administrative fees. Flexible repayment plans ranging up to 60 months make budgeting more manageable for most applicants.
Instant approval is possible for Citibank account holders, and the ease of applying without submitting documents for existing customers is a big draw. Funds are credited quickly, aiding users in tight situations.
Considerations
This offer is mainly beneficial for new Citibank credit card or Ready Credit customers. Approved loan amounts depend on income and Citibank’s internal assessment, which could limit some borrowers.
There are cancellation fees and the usual finance charges if minimum monthly payments are not kept up. Those who do not already bank with Citibank may face up to a five-day wait for funds.
Nosso veredicto
As an independent reviewer, I find Citi Quick Cash to be a solid contender for personal loans in Singapore. Its competitive rates, lack of admin fees, and speedy disbursement stand out. This is an attractive choice for those who qualify—especially if quick cash or flexible terms are what you need.
