{"id":36326,"date":"2019-10-31T23:47:19","date_gmt":"2019-10-31T15:47:19","guid":{"rendered":"https:\/\/www.comparehero.my\/?p=36326"},"modified":"2026-03-27T15:22:14","modified_gmt":"2026-03-27T07:22:14","slug":"citibank-personal-loan-application-is-now-online","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/money-tips\/citibank-personal-loan-application-is-now-online.html","title":{"rendered":"Citibank Personal Loan Application Is Now Online"},"content":{"rendered":"<p><script src=\"https:\/\/f5e7953c02534f2e9693a1ca1eff2ddb.js.ubembed.com\" async><\/script><\/p>\n<p>Applying for a personal loan with Citibank has never been easier now that you can do it online\u00a0and\u00a0get an instant approval* with only 3 simple steps.<\/p>\n<p>Just this year, Citibank took steps to revolutionise their <a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/banking-finance\/articles\/citibank-online-application-guide\">credit card application system.<\/a> What used to require stacks after stacks of documents and endless queues at the bank, has been simplified to only a few clicks of a button.<\/p>\n<p><strong>See also:<\/strong> <a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/banking-finance\/articles\/citibank-online-application-guide\">Citibank Application is Now 100% Online &#8211; What Does This Mean?<\/a><\/p>\n<p>Today, the same simplified process has been applied for\u00a0<a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/personal-loan\" target=\"_blank\" rel=\"noopener\">personal loans<\/a>. Which means, whether you&#8217;re applying for a\u00a0<a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/personal-loan\/partners\/citibank\" target=\"_blank\" rel=\"noopener\">Citibank Personal Loan<\/a>\u00a0to remodel your new home or to fund higher education, the process is now faster, easier and instant.\u00a0<\/p>\n<h2>Why Citibank Personal Loan?<\/h2>\n<ul>\n<li >\n\t\t\t\t\t\t\t\t\t\tPersonal loan of up to 10x your gross monthly income\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tLoan amount of RM5,000 to RM150,000\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tLow flat interest rates of 5.88% to 9.80% p.a.\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tLoan repayment tenure from 24 to 60 months\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tNo processing fee\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tNo collateral or guarantor required\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<h2>Personal Loan Interest Rates &amp; Charges <\/h2>\n<style type=\"text\/css\">\n.tg  {border-collapse:collapse;border-spacing:0;}\n.tg td{font-family:Arial, sans-serif;font-size:14px;padding:10px 5px;border-style:solid;border-width:1px;overflow:hidden;word-break:normal;border-color:black;}\n.tg th{font-family:Arial, sans-serif;font-size:14px;font-weight:normal;padding:10px 5px;border-style:solid;border-width:1px;overflow:hidden;word-break:normal;border-color:black;}\n.tg .tg-kftd{background-color:#efefef;text-align:left;vertical-align:top}\n.tg .tg-gg7l{background-color:#efefef;text-align:left;vertical-align:middle}\n.tg .tg-0lax{text-align:left;vertical-align:top}\n<\/style>\n<table>\n<tr>\n<th>1-time Stamp Duty<br \/>(Ad Valorem)<\/th>\n<th>0.5% of approved loan amount.<\/th>\n<\/tr>\n<tr>\n<td>Early Settlement Fee<\/td>\n<td>RM200 or 3% of outstanding balance, whichever higher, if loan is settled within first 2 years or before reaching half the tenure, whichever earlier.<\/td>\n<\/tr>\n<tr>\n<td>Late Payment Charge <br \/>(in addition to prescribed rate)<\/td>\n<td>1% p.a. charged daily on past due amount.<\/td>\n<\/tr>\n<\/table>\n<p><em>For more information, read the Citibank Instalment Loan <a href=\"https:\/\/www.citibank.com.my\/global_docs\/pdf\/PL_TandC.pdf\">Terms and Conditions<\/a> and the <a href=\"https:\/\/www.citibank.com.my\/global_docs\/pdf\/PL_PDS.pdf\">Product Disclosure Sheet<\/a>.<\/em><\/p>\n<h2>Who Can Apply? <\/h2>\n<ul>\n<li >\n\t\t\t\t\t\t\t\t\t\tMalaysian citizen\/P.R. and working in Malaysia\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tMinimum age of 21 up to a maximum of 60 years old at the time of the loan maturity\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tMinimum income of RM4,000\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tHolds any bank&#8217;s Credit Card\/Home Loan\/Personal Loan\/Car Loan\/Overdraft for more than 24 months\n\t\t\t\t\t\t\t\t\t<\/li>\n<li >\n\t\t\t\t\t\t\t\t\t\tIncome and documents required:\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<p>\t\t\t\t\t\t\t\t\tSalaried Employee<br \/>\n\t\t\t\t\t\t\t\t\tSelf-Employed<br \/>\n\t\t\t\t\t\t\t\t\tSalaried Employee<\/p>\n<ul>\n<li>Minimum Income: RM48,000 p.a.<\/li>\n<li>Documents Required:\n<ul>\n<li>Photocopy of MyKad (Both sides)\u00a0<\/li>\n<li>Latest EPF statement\u00a0<br \/>or\u00a0<br \/>Latest 2 months&#8217; salary slip\u00a0<br \/>and\/or<\/li>\n<li>Any of the following documents where required:\n<ul>\n<li>Latest BE Form with tax receipt<\/li>\n<li>3 months bank statement\u00a0<\/li>\n<li>Latest EA form (dated within the last 12 months)\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\t\t\t\t\t\t\t\t\tSelf-Employed<\/p>\n<ul>\n<li>Minimum Income: RM48,000 p.a.<\/li>\n<li>Documents Required:\n<ul>\n<li>Photocopy of MyKad (Both sides)\u00a0<\/li>\n<li>Photocopy of Business Registration Form\u00a0<\/li>\n<li>\u00a0Latest Form B with tax receipt<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><em>*Note: For self employed, business must be established for at least 2 years.<\/em><\/p>\n<p>For a loan amount of RM5,000 with 36 months repayment period, the monthly flat interest rate is 5.88% (EIR 10.90%), and the monthly repayment amount is RM163.50 (from total repayment amount of RM5,882).<\/p>\n<h2>How To Apply?<\/h2>\n<p>The loan application process has never been easier. Complete 3 simple steps and get approved* instantly. So easy, you won\u2019t even need any telesales assistance.\u00a0\u00a0<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t<img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"150\" src=\"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads-my\/2019\/10\/Citibank-PL-Steps-2.jpg?resize=640%2C150&#038;ssl=1\" alt=\"\" srcset=\"https:\/\/www.comparehero.my\/wp-content\/uploads-my\/2019\/10\/Citibank-PL-Steps-2.jpg 963w, https:\/\/www.comparehero.my\/wp-content\/uploads-my\/2019\/10\/Citibank-PL-Steps-2-300x70.jpg 300w, https:\/\/www.comparehero.my\/wp-content\/uploads-my\/2019\/10\/Citibank-PL-Steps-2-768x180.jpg 768w\" sizes=\"auto, (max-width: 963px) 100vw, 963px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\tStep 1: Contact details <\/p>\n<p>This is the first step of Citibank\u2019s online application form. You are required to provide your particulars including your name and contact details. Check the box if you\u2019ve read and agreed with the terms and conditions.<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\tStep 2: Personal details <\/p>\n<p>In this stage, you are required to fill in your identity details as well as to upload a photo of your identification card\/MyKad.\u00a0You will also be prompted to fill in your employment details and loan information.<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\tStep 3: In-Principal Approval<\/p>\n<p>Once you have completed those 3 simple steps, you will enter the \u201cIn-Principal Approval\u201d* stage where all those information will be processed and the system will decide if you are eligible for the personal loan almost instantly. If you are rejected at this stage, you will not be able to proceed further.\u00a0<\/p>\n<p><i>* The loan final approval is subject to Citibank&#8217;s credit assessment.\u00a0<\/i><\/p>\n<p>You will then be directed to the last two following steps when the system verifies your eligibility for the personal loan.<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\tStep 4: Product Option<\/p>\n<p>You&#8217;ll be directed to this step if the system approves your loan. Here you will be prompted to choose how you would like to receive your loan as well as your preferred communication method.\u00a0<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\tStep 5: Submit<\/p>\n<p>This step requires you to upload the relevant documents required for the application process.\u00a0<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\tStep 6: Confirmation<\/p>\n<p>Congratulations! You&#8217;ve made it to the last step. You&#8217;ll find the PDF version of your application to review again.\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>It can&#8217;t get any simpler than this.<\/strong> <br \/>Apply for a Citibank Personal Loan today.<\/p>\n<p>\t\t\t<a href=\"https:\/\/www.citibank.com.my\/accope\/index.html#accope?pcode=US400&amp;scode=YKEB0NPL&amp;ecid=AFCHNMYPLAENPL\" role=\"button\"><br \/>\n\t\t\t\t\t\tApply Now<br \/>\n\t\t\t\t\t<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Applying for a personal loan with Citibank has never been easier now that you can do it online\u00a0and\u00a0get an instant approval* with only 3 simple steps. Just this year, Citibank took steps to revolutionise their credit card application system. What used to require stacks after stacks of documents and endless queues at the bank, has&#8230;<\/p>\n","protected":false},"author":268230141,"featured_media":59964,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[425],"tags":[],"class_list":["post-36326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - 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