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 amount, Citibank personal loans have become a top-liner in the personal financing more more

Citibank Personal Loan
Citibank Bank Personal Loan
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

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
Established in 1812 in the city of New York, Citibank is one of the top international banks in the UAE with a humungous retail customer base.

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 Salary Transfer Loan Interest Rate from 6.99% to 8.99%
Non-Salary Transfer Laon Interest Rate from 14% to 27 %
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


6 to 48 months

Phone Banking


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


6 to 48 months

Phone Banking


Citibank Personal Loan Eligibility and Required Documents

Given below is the complete eligibility criteria for availing of Citibank personal loans:


Qualifying Criteria

Minimum Age

21 years


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

· Citibank personal loan application form

· Employment and income proof – salary slips and bank statements for last 3 months

· Identity proof – emirates id and passport and resident visa for ex-pats

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 About Citibank Personal Loan

Q1- Can I calculate Citibank personal loan EMI before applying?

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.

Q2- What is the direct debit facility?

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.

Q3- Is it mandatory to transfer my salary to avail of a Citibank personal loan?

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.

Q4- What is the loan amount offered for a Citibank personal loan with a salary transfer?

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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