• Interest rate (p.a.)

    10.00% - 11.00%

  • Loan Tenure

    1 - 3 years

  • Approval Duration

    Up to 7 business days

  • Min. monthly income


Loan calculator
Loan amount
Loan tenure
Monthly salaryRM0
Interest rate (p.a)


Monthly Repayment


Total Interest PayableS$0
Total Amount PayableS$0
What's so great about Citibank Ready Credit SmartCash?
  • Borrow up to 2X of your monthly income today
  • Low interest rates start 1.75% per month
  • Minimum annual income requirement between S$20,000 to S$30,000
  • Flexible repayment period up to 36 months

Product Features

Min. financing amountS$3,000
Max.financing amount Up to 2X fixed monthly salary
Min. loan tenure1 year
Max. loan tenure3 years
Interest rateFixed rate of 10.00% – 11.00% per annum
Approval durationUp to 7 business days
Debt consolidationYes

Fees & Charges

One time set up
Processing fee
Annual feeS$90, waived for the first year
Early settlementN/A
Late payment chargesNotified from time to time


Age requirementAge 21 - 67
Employment eligibilitySingaporean citizens and permanent residents
Min. salary requirementS$1,667 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?No

Product Review byiMoney

Citibank Quick Cash - FAQ

What is the maximum amount you can borrow?

You can borrow up to two times of your fixed monthly gross salary up to a maximum loan tenure of three years.

The catch?

Applicant must 21 and above to qualify.

Applicant must be a Singaporean citizen or permanent resident with a annual gross salary of above S$20,000 but below S$30,000.

What will it cost you and how will you be charged?

One time set-up fee:
  • No upfront service fee required
  • Recurring payments:
  • Monthly repayment comprising principal amount and interest charge via monthly salary deduction.
  • Interest Rates :
    Loan Tenure 12 months 24 months 36 months
    AIR (% p.a.) 10.00 10.50 11.00
    EIR (% p.a.) 17.97 19.02 19.57
  • Cancellation fee 3% of outstanding unbilled principal amount or S$100 whichever is higher.
  • How long will the application take and what documentations are required?

    Upon completing an application with iMoney, you may expect a call from the respected bank within the same business day to confirm your application.

    Thereafter, Citibank will require an average of five business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.

    You are required to furnish the following documents for your loan application:

      Employee of non-MNC or private limited company:
    • Photocopy of NRIC (both sides)
    • Proof of Income:
      • Salaried Employee:
      • Latest Computerized Payslip OR
      • CPF Contribution Statement for past 12 months OR
      • Latest Income Tax Notice of Assessment (NOA)
    • Self-employed applicants:
    • Photocopy of NRIC (both sides)
      • Proof of Income:
      • Income Tax Notices of Assessment (NOA) for past 2 years
      • Any other documents as may be requested by the Bank at its sole discretion
    • Applicants earning commission:
    • Photocopy of NRIC (both sides)
      • Proof of Income:
      • Variable Income/Commission Based Earner:
        • Latest 6 months Computerised Payslip OR
        • CPF Contribution Statement for past 12 months OR
        • Latest Income Tax Notice of Assessment (NOA)

        Can you apply if you have a bad credit score in CBS/ FICO/ DP credit bureau?

        Your personal loan application is likely to get rejected if you have a bad credit score. Late payments or missed payments are some of the major are some of the major contributors to a bad credit score. If you currently have an unsatisfactory credit score, take steps to rebuild it by clearing overdue payments. Make full and timely payments on your debts for 6 months before reapplying.

        If you are looking for personal loans offered by other banks in the Singapore, you may also consider:

        HSBC Personal Loan
      • Enjoy HSBC Personal loan with an approved loan amount of up to 8 times your monthly income with an interest rate of 5.60% up to 9.50% per annum, which you can easily pay back in 1 to 7 years. To be eligible for this personal loan, you minimum monthly income should be S$2,500.

      • Standard Chartered CashOne
      • With Standard Chartered CashOne, you can easily enjoy a personal loan with an approved amount of up to 4X of applicant’s monthly income or S$200,000 with an interest rate starting from 6.88% up to 10.80% p.a. On top of that receive a Platinum Credit Card for those with annual income of S$30,000 and above.

      • Looking for more choices? You can also take a look at the full line-up of Personal Loans listed on our website and choose which is the right one for you.