Citibank Personal Loan
Citibank, one of the top international banks in UAE, is a one-stop solution for all your financing needs. One of the most availed personal financing products of this bank is personal loans. With competitive interest rates, flexible repayment tenure, quick application process, and high finance ...read more
Personal Loan Starting from 2.63%* Interest rate
Minimum Salary 5000 AED
EMI Tenure up to 48 Months
Lowest Interest Rates
Get personal loan at Lowest Interest Rate
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The bank established its roots in 1971 in the UAE and has been an important part of the UAE banking sector ever since. When it comes to personal finance in the UAE, Citibank has decades’ worth of experience. One of the most availed personal financing products from Citibank is personal loans. The easy application process, competitive interest rates and flexible repayment period are just some of the many features that make Citibank a top-liner in personal financing segment.
Citibank Personal Loan Interest Rates
| Citibank Personal Loan | ||||
|---|---|---|---|---|
| Personal Loan Category | Max Loan Amount | Tenor | Interest Rate | Type of Interest |
| Personal Loan With a Salary Transfer | AED 500,000 | 6 months - 48 months | 6.99% - 8.99% (p.a.) | Reducing |
| Personal Loan Without a Salary Transfer | AED 175,000 | 6 months - 48 months | 14% - 27% (p.a.) | Reducing |
(The rates are subject to changes with time.)
Features and Benefits of the Citibank Personal Loan
| Features | Availability |
|---|---|
| Early Settlement | 1% of remaining balance or AED 10,000, whichever is less – The Fee is a one time charge added to the payoff balance |
| Salary Transfer | Not Mandatory(Mandatory for salary transfer loans) |
| Reducing Interest Rate |
|
| Tenor | From 6 Months to 48 months |
| Quicks Approvals | Yes |
| Phone Banking | Yes |
The Citibank Personal Loan Offers Loan Borrowers the Following Features & Benefits-
- Easy Application - You can easily apply for Citibank personal loan either via online or offline platforms as per your convenience.
- Loan Amount - You can get a loan amount going up to 8 times your salary with Citibank. A maximum of AED 250,000 can be availed of with Citibank personal loans as per your application type and processing.
- Quick Approval - Showcasing a quick and hands-on processing time, Citibank offers in-principal decisions within 10 minutes. From application to documentation and approvals, everything can be covered in mere 24 hours.
Competitive Interest Rates
Interest Rates for Citibank personal loans start from a nominal 6.99% making it one of the best choices for personal financing in the UAE.
Key Features of Citibank Personal Loans without Salary Transfer |
|
|---|---|
|
Reducing Interest Rate |
14% to 27% |
|
Principal Decision |
In-principal decision within 10 minutes |
|
Tenure |
6 to 48 months |
|
Phone Banking |
Yes |
Key Features of Citibank Personal Loans with Salary Transfer |
|
|---|---|
|
Reducing Interest Rate |
6.99% to 8.99% |
|
Principal Decision |
In-principal decision within 10 minutes |
|
Tenure |
6 to 48 months |
|
Phone Banking |
Yes |
Citibank Personal Loan Eligibility and Required Documents
Given below is the complete eligibility criteria for availing of Citibank personal loans:
| Parameters | Qualifying Criteria |
|---|---|
| Minimum Age | 21 years |
| Residence/Citizenship | UAE resident or citizen |
| Employment Duration | Must be employed for at least 6 months |
| Company of Employment | Employer company must be from the approved list of companies of Citibank |
| Minimum Salary | AED 8,000 |
| Salary Transfer | Available as both salary transfer and non-salary transfer loans |
| Documents Required |
|
Citi Bank Easy Monthly Payment Calculator
Citibank's personal loan calculator can calculate equal monthly payments for loans taken with salary transfer or without it. Here is a series of steps to follow for calculating your equal monthly payment using Citibank personal loan calculator:
- Choose whether you will be transferring your salary to Citibank to get the loan.
- The calculator is set on the minimum requirement by default. You can slide salary scale to the right and set it to your current salary.
- The loan amount is also pre-filled on the calculator but you can re-set it to a desired number.
- Your equal monthly installments will be calculated for four different tenures, namely – 48 months, 36 months, 24 months, and 12 months.
- You can re-adjust the loan amount and/or salary as many times as you want to see the fluctuation in monthly payments.
Frequently Asked Questions
Ans: Yes, you can use the Citibank personal loan EMI calculator free of charge to calculate your monthly instalment amount. The Citibank personal loan EMI calculator is available on the Citibank website and allows applicants to estimate their EMI for salary transfer and non-salary transfer loans alike.
Ans: The loan borrower can set up standing instruction for payment of their Citibank personal loan. This direct debit feature allows Citibank to automatically deduct EMI from the loan borrower’s account every month. Direct debits can be set up online on the official website of Citibank.
Ans: No, Citibank personal loans in the UAE are available both with and without salary transfer. Having said that, salary transfer loan applicants have to pay lower Citibank personal loan interest rates.
Ans: Salary-transfer Citibank personal loans offer up to 20 times the applicant’s salary, for a maximum of AED 250,000.
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