This loan allows you to be ready for anything, anytime. With Citi Personal Loan, you can easily access cash through installment loan.

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Interest rate 15.16% - 16.5%
Loan tenure from 12 to 60 months
Approval duration Up to 24 hours
Min. monthly income ₱21000

The history of Citibank in the Philippines began in July 1902. Then the International Banking Corporation, the predecessor of Citibank, opened its first branch in Manila. 

Today, Citibank is considered the largest foreign commercial bank in the Philippines. This organization provides corporate, transactional, treasury and consumer banking services. Citibank is a recognized leader in financial services for the public sector, multinational corporations and leading Philippine companies. Citibank offers innovative solutions for managing currency, securities and other financial instruments.

This organization is also active in the field of consumer banking. Citibank offers deposit and lending services that significantly improve the quality of life for citizens of the Philippines. Citibank also provides a wide range of investment and insurance products.

How to get a loan in the company

One of the most popular services of Citibank is consumer lending. Potential borrowers can count on approval of the application within 24 hours after filing all the necessary documents. Citibank personal loan is also popular due to its flexible repayment period, which can be up to five years. To take advantage of such benefits and draw up a loan in this company, you must meet a number of requirements:

  • age: from 21 to 65 years;
  • citizenship: Filipinos or foreigners with valid Philippine billing address;
  • minimum gross annual income: 250 thousand Philippine pesos.

To get a loan, you also need to have a Citibank credit card issued at least 6 months ago. You can also make a loan with another bank's credit card. But in this case, the card must be issued at least one year ago.

After that, the borrower needs to determine the size of the monthly payment, which will be consistent with the existing budget. It is also necessary to prepare a number of mandatory documents:

  • completed application form (the form can be downloaded on the Citibank website);
  • valid identification number;
  • last monthly pay slip (for employees);
  • latest declaration on income tax (for borrowers who are self-employed).

Foreign borrowers must additionally provide a photocopy of a valid passport or registration certificate, as well as an immigration certificate, visa, work permit or any other document confirming the legality of living in the Philippines.

After that, it remains only to submit an application and wait for its approval. The client will find out about the decision of the financial institution through a telephone call from the Citibank manager, who will additionally clarify the details of the credit account and inform about the approximate time of the transfer of money to the borrower's card.

The advantages of service

  • Confirmation of the application within 24 hours.
  • Flexible loan repayment terms - from 1 to 5 years.
  • The possibility of processing a loan without collateral or guarantee.
  • Possibility of processing a loan of up to two million Philippine pesos.

Why you should choose Citibank

Citibank services allow you to forget about any financial problems once and for all. The loan programs of this company provide the opportunity to arrange a luxury holiday, perform a long-awaited repair or finance your dream wedding. At the same time, there are no special requirements for the borrower.

Five steps to get a loan

  1. Verification of compliance with the requirements of Citibank to potential borrowers.
  2. Determination of the optimal monthly payment.
  3. Preparation of all necessary documents.
  4. Applying for a loan.
  5. Getting a loan.

How to return a loan

Citibank customers can use several methods to repay a loan. First, borrowers can pay off debt in one of the official representative offices of Citibank. Second, you can return the money on the loan at any bank in the Philippines. Third, terminals installed in shopping centers, supermarkets, bus stops and other public facilities are also available for a return of the money.

All Citibank customers should remember the importance of timely debt repayment. In this case, the borrower will be able to avoid penalties. Late repayment of the loan will result in a penalty of 6% of the overdue amount.

Offline Citibank offices

City Address
Cebu Office Center G/F Ayala Life-FGU, corner of Mindanao Avenue, Biliran Road, Cebu Business Park
Makati G/F Citibank Center, corner of Paseo de Rojas, Villar Street
San Juan G/F 22 Office Center, Ester Building, Missouri Street


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3 months ago

This Make my dream comes true.

It was quick, easy and seamless for existing CitiBank customers. I liked the discount on rates that you get for already having an account. The money came in extremely fast. The big downside (like most loans) is that it was sold to third party loan servicer so it doesn't stay under the Citizens umbrella

3 months ago

This is one of the best bank i have account in.

i am a 22 years young boy who actually want to start my own business. but most of the banks did not allow me to apply for the loan but this bank helps me a lot . now i have a good a stable business all thanks to CITIBANK.

3 months ago

CitiBank Is A Great Company

This it has really very good services of loans and it have great response time and also it provides me the facility of financial growth for my business and also it is good for the peoples like me who want to start a business and also provide great packages of loan. i really love it.

9 months ago

I guess Citi doesn't want my business

I opened Citi checking and savings accounts online and used EFT to transfer $15,000 from my local bank. Then a few days after the EFT cleared Citi sent the funds back to my local bank and sent me a letter saying I need to send the funds in a check by mail to their processing center, which I did. They also sent me a debit card and PIN and a welcome letter. Then they closed the account and I can't get anyone in customer service to tell me why. I'm employed and quite wealthy, a homeowner many years at the same address, with a FICO score of 830. I opened the accounts to get the $400 bonus, and intended to satisfy their requirements. I've wasted hours dealing with clueless customer service and equally unhelpful 'personal banker' representatives. Very frustrating. I guess Citi doesn't want my business, and from now on they won't get it.

9 months ago

I will never fall for the "invitations" from Citibank again

I received an invitation to open a checking account and a savings account and receive $400 opening bonus. Since there is no branch in my area, I opened them online and received confirmation that the opening balances have been received ($100 in C, $1000 in S) then I wired additional $14,000 to savings. Today (2/11) they can only find $100 in checking. After talking to many "specialists" I still have no idea where the funds are. I am going to forget the bonus and close the accounts. I will never fall for the "invitations" from Citibank again!!!

9 months ago

Citibank refused to refund my dispute charge $350 since 3 month ago

Citibank refused to refund my dispute charge $350 since 3 month ago. On Nov. 15th, 2018, I saw there is a unrecognized transaction ($350) on day of 10/26/2018 in my credit card ($350). I disputed the charge immediately and Citibank promised me that they will refund that credit to my account within 3-5 business days. However, 3 month later, They are still convincing to wait 3-5 days. I will sue them for $350 and the time and spirit I spent on it.

9 months ago

There is always a problem with Citibank's stupid website

There is always a problem with Citibank's stupid website. This week, the bank is conducting maintenance and as a result, I cannot see any of my checks online. An online representative told me that they can send me the image of the check I want to see in 24 to 48 hours but that I can open their e-mail with yet another stupid password. How absurd; 48 hours later I still have not gotten anything. If it was not such a hassle, I would've switched all my banking to Bank of America, which has a superb website.

9 months ago

BBB Complaint Filed

BBB Complaint Filed: End of November (for those still following at home). Last response: Feb 13. Okay so after another useless phonemail from Jessica today from some Executive office, she has wasted MY TIME AGAIN to state that they are not changing their decision on their faulty bullcrap addition of Payment Safeguard on MY ACCOUNT with NO PERMISSION despite my OTHER CARD BEING REFUNDED from the last lawsuit. Telling me I opted into this during a card activation is complete garbage. And then you tell me you tried to communicate about it twice years later? BULL.

9 months ago

My husband and I have had an account here for more than 13 years

My husband and I have had an account here for more than 13 years. We added a savings account but since I wasn’t with my husband my name wasn’t added. I went into the Elmhurst NY branch to see what I needed to do to get onto the savings and the person I talked to said, "Just bring your husband and yourself and your banking cards." Went in today with everything we needed and waited 2 hours, gave all the information and then got told that they couldn’t do it cause we needed proof of address even though I told them that we never moved. I only have a passport cause I don’t drive so I didn’t bring a utility bill with me. The lady said, "Anything with your name and address," so I showed her my online student loan that had my address and name. And she told me, "No, that isn’t good enough. It has to be government issued or utility." But she was willing to take my cellphone bill.

9 months ago

I contacted Citi the LiveChat

I contacted Citi the LiveChat (which they notify you is being recorded, aha) on their website. I asked the representative whether Citi would refund the Global Entry fee on the Citi credit card I have. He said yes and I re-asked couple times to be sure. He re-assured me they would refund the fee, I just have to call Citi. So I went ahead and made the purchase, contacted Citi after the transaction posted, they told me I have to wait for the monthly statement. Contacted them again after the transaction made it to the monthly statement. This time they told me they won't refund it. I let them know a Citi representative I chatted with told me they will and they said they'll open a case/claim with some Citi department that does have access to the chat history.

9 months ago

Do not get a checking account with Citibank

Do not get a checking account with Citibank! If you do you will regret it. You have been warned. As of right now there is a "block" on my checking account. I discovered this as I was trying to order food over the weekend. They left me with no access to my funds, no money, no food and no way to pay my bills. When I called they told me that I had to speak to a particular department and they are conveniently closed on the weekend. I was told that my account was restricted because I have another checking account. I was told to have two separate online banking accounts by Citibank. My goal was to have two separate debit cards so that I could use one for spending and my other account for bills. So they have essentially screwed me over because of something one of their representatives told me to do.