1 year ago In Personal Loans
Estimates below are based on a S$10k loan with 3-year tenure. Customise your rates by clicking on "Get My Rate".
4.55% (EIR 8.50%)
Total Amount Payable
Total Interest Payable
21-65 years old
Salaried Employee, Variable/Commission-based Employees or Self Employed
Minimum Annual Income
MoneySmart Exclusive: Get $100 Redmart Vouchers when you apply via MoneySmart
Applicable to new and existing Citi Credit Cardholders and Citi Ready Credit account holders
Valid with min. $10k approved loan amount applied via MoneySmart during promo period and when you maintain the loan within 1 month upon approval
Promo valid till 31 Dec 2018. T&Cs apply
Exclusive Offer - 4.55% p.a. (EIR 8.5% p.a.) for 36 month loan tenure
S$1,000 minimum loan amount at a 36 month loan tenure to enjoy 4.55% p.a. (EIR: 8.5% p.a.) Eligible for new Citibank customers who apply for Citibank Ready Credit
One hour loan approval
No processing fees
Welcome offer - 4.55% p.a. (EIR 8.5% p.a.) on 36 loan tenure (min. loan S$1k)
Fees & Charges
Late Payment Fee
If payment is overdue by 2 months, the loan will be terminated and any outstanding loan amount will be charged.
Partial Repayment Penalty
No partial repayment allowed
Full Repayment Penalty
3% of outstanding unbilled principal amount or S$100, whichever is higher
What is EIR?
The Effective Interest Rate (EIR) of a loan takes into account the compounding effect of interest, as well as processing fees associated with the loan. Generally, the loan amount, loan tenure, frequency of repayments, and processing fees may affect the EIR of a loan. Please view each personal loan product in detail for a full breakdown of the interest rate chargeable, minimum and maximum loan tenure, as well as processing fees (if applicable).