Citibank Ready Credit


1 year ago by moneysmart



loan details

Estimates below are based on a S$10k loan with 3-year tenure. Customise your rates by clicking on "Get My Rate".

Loan Amount


Loan Tenure

3 years

Interest Rate

4.55% (EIR 8.50%)

Monthly Payment


Total Amount Payable


Total Interest Payable



Citizenship Status


Age Requirement

21-65 years old

Employment Status

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

key features


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

Processing Fee


Restructuring Fee


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).

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Joined 1 year ago


public comments

View Earlier Comments

  • leong.1188

    I transfer deposit to them For 1k loan they ask for 300 upfront and asking for more after I pay
    1 year ago
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    9 months ago
  • lifechum01

    Are you seeking for a private lender? Do you need a money urgently? Do you have a bad credit? We can help you secure a finance with an interest rate as low as 3%.100% funding with minimum documentation, funding as fast as 48 hours after approval. No prepayment penalty.We offer personal finance customized in a manner that helps an individual meet varied kinds of personal expenses. The interest rates at which these finances are offered are quite competitive Rate:Contact (Call/Whats app)
    9 months ago

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