How To Apply For Citi Personal Loan In Just 24 Hours

Money may not buy happiness, but it sure helps and the Citi Personal Loan can help you get a piece of that happiness. “Wealth is the ability to fully experience life,” said philosopher Henry David Thoreau and if you’ve got some experiencing to do we’ve got some help.

Money acts as the enabler of dreams and the solver of most problems. And the worst thing about money is that many of us do not have enough. However, personal can supplement your efforts when you fall short on resources.

From financing foreign trips to clearing urgent debts consolidation, personal can cover it all. While taking out a loan helps achieve the dreams sooner, getting a loan can take too long. In order to tackle this problem, Citi Personal Loan follows a 24-hour approval plan.

How To Apply For A Citi Personal Loan In Just 24 Hours

What Are The Features Of The Citi Personal Loan?


Citibank loan approval duration is up to 24 hours. This is much lesser than the average 5 working days period of other competitive banks. The bank also starts the process of funds transfer within twelve days of loan approval.


This personal loan allows you to tailor your monthly installments according to your financial standing. You can borrow from PHP 20,000 to as much as PHP 2000,000 (subject to approval by the bank). Also, the repayment tenure is quite flexible and stretches from 12 months to 5 years.


You do not have to pledge security as collateral while applying for the loan. The bank also does not charge any processing fee for the Citi loan. The processing fee is the amount the borrower pays to the lender to cover the lender’s cost of the loan process.

Am I Eligible For The Citi Personal Loan?

It is imperative to meet certain financial standards before you can apply for a personal loan. To secure a personal loan from Citibank, you have to fulfill the following criteria.

  • Applicants must be between 21 to 65 years old.
  • One must be a permanent resident of the Philippines or a local foreign resident with a valid Philippines billing address
  • The candidate must have a Tax Payer’s ID Number (TIN).
  • An individual must be the principal cardholder of the bank.
  • Minimum gross income of PHP 250,000 per year.

What Are The Fees Of The Citi Personal Loan?

Citi Personal Loan has a fixed rate of interest. They range from 17% to 30.9% per annum. The disbursement fee for every time you receive an amount from your total loan is PHP 1,750. Stamp duty is PHP 1.5 for even PHP 200 of the amount.

How To Apply For A Citi Personal Loan In Just 24 Hours

How to Apply For The Citi Personal Loan?

The process of applying for a Citi loan is simple and fast. All you have to do is follow these easy steps. Your application will then be examined and a bank representative will get back at you.

Step 1- Fill the Application form for the Citi Personal Loan

Fill in all the details in the application form. You can fill the form online or download the form and mail it to the bank. Features in the application form include personal information, the purpose for acquiring the loan, work/ details, card information and sources of funds.

Step 2 – Furnish the bank with documents

You should then furnish the bank with the following documents. You can mail the bank via

  • One valid government-issued identity card which should have the applicant’s latest photo and signature.
  • For employed: Latest Income Tax Return (BIR Form 2316) or the latest one-month full payslip.
  • For self-employed: Latest Income Tax Return (BIR Form 1701); and Audited Financial Statements (AFS) of the with independent auditor’s report and balance sheets and receipt
  • Accomplished application form.

Step 3 – Wait for loan approval

Your loan will be assessed within 24 hours. Once your loan gets approved, you will receive a call from the bank. You will start receiving your disbursement amount once you choose your disbursement method.

How To Contact Citibank Philippines


(632) 8995-9999 or (632) 8708-7087


Citibank NA. Philippines’ head office

34th Street, Bonifacio Global City,

Taguig, 1634

Live Chat

You can send the bank a message through their website’s live chat portal. You can chat with Customer Service officials from 9 AM to 8 PM.

Note – There are risks involved when applying for a loan. Consult the bank’s terms and conditions page for more information.