WeLab Bank 的最低及最高貸款金額分別是多少？

私人貸款額由HK$10,000 起，最高貸款金額可達 HK$150萬或相等於你月薪18倍的金額（兩者金額較低一方）。

私人分期貸款的利息計算方法？

WeLab Bank私人分期貸款及清卡數貸款同樣是使用「直線法」來計算利息及本金在每月供款額中佔的比例。

簽署私人貸款接納通知書後何時可以收到貸款款項？

當你簽了私人貸款接納通知書後，貸款將於5至10分鐘內，最遲當日內，存入核心賬戶。如果你在當日沒有收到貸款，請你聯絡WeLab Bank客戶服務熱線（852）3898 6988 。

提前清還WeLab Bank貸款可以節省利息嗎？

由於提前還款會有手續費，WeLab Bank清卡數貸款同私人分期貸款均以「直線法」來計算利息及本金於每月供款額中佔的比例。當你已按期供款一段時間，每期供款當中未償還的利息比例，會隨著本金減少而逐漸降低。如果選擇在此時提前還款，所節省的未償還利息，亦不足以彌補提前還款的相關手續費而得不償失。WeLab Bank會在app 內標示相關資訊，方便客戶決定是否要提前還款。

Best Citibank Personal Loan Rates and Offers Comparison

Compare Citi personal loans with MoneyHero, including Citi Tax Season Loan, Citi Speedy Cash, and Citi Card Debt Consolidation Loan. To save the hassle of sifting through extensive terms and conditions, we provide comparisons of Citibank personal loans’ interest rates, loan amounts, repayment terms, application rewards and offers, as well as MoneyHero exclusive offers. Explore a world of possibilities with Citibank personal loans, brought to you by MoneyHero.

Exclusive Offer High Reward Application incentive

Citi Tax Season Loan

Monthly repayment $

Monthly flat rate

APR

Total repayment

2 Offer Available

MoneyHero Exclusive Offer

iPhone 16 Pro Max (256GB, random colour)

+ 14 other gift options

Valid until

02 December 2024

Citi Welcome Offer

HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders)

+ 13 other gift options

Valid until

31 December 2024

[MoneyHero Exclusive Offer]

From 15 November 2024 6 p.m. to 2 December 2024 6 p.m., successfully apply for Citi Speedy Cash Tax Loan or Citi Card Debt Consolidation Loan on MoneyHero, choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHeron exclusive offer

Gift Options

Loan amount HK$2,000,000 or above + repayment period at least 12 months

iPhone 16 Pro Max (256GB, random colour); or
HK$10,000 Apple Store Gift Card; or
HK$10,000 Wellcome Shopping Voucher

Loan amount from HK$500,000 to HK$1,999,999 + repayment period at least 12 months

HK$7,000 Trip.com e-Voucher; or
HK$7,000 Apple Store Gift Card; or
HK$7,000 Wellcome Shopping Voucher

Loan amount from HK$300,000 to HK$499,999 + repayment period at least 12 months

HK$6,000 Apple Store Gift Card; or
HK$6,000 Wellcome Shopping Voucher; or
HK$6,000 Trip.com e-Voucher

Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months

Sony Vlog camera ZV-1; or
HK$4,000 Apple Store Gift Card; or
HK$4,000 Wellcome Shopping Voucher

Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months

SENNHEISER Momentum Sport headphone; or
HK$1,500 Apple Store Gift Card; or
HK$1,500 Wellcome Shopping Voucher

[Citi Welcome Offer | Up to HK$8,000 Cash Coupon]

Clients who successfully apply for Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan from 1 November 2024 to 31 December 2024 and drawdown the loan on or before 14 January 2025 will be entitled to the following welcome offer

Gift Options

Repayment period at least 25 months + loan amount HK$1,500,000 or above

HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$4,000 Cash Reward (Other customers)

Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999

HK$5,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$3,000 Cash Reward (Other customers)

Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999

HK$2,500 Cash Reward(Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$1,500 Cash Reward (Other customers)

Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999

HK$600 Cash Reward

Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above

HK$3,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$2,000 Cash Reward (Other customers)

Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999

HK$2,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$1,500 Cash Reward (Other customers)

Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999

HK$1,500 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$1,000 Cash Reward (Other customers)

Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999

HK$600 Cash Reward

Terms and Conditions :

The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
- Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
Each eligible customer can enjoy the Reward once during the promotion period
*“Instant Disbursement Upon Loan Approval” is only applicable for disbursement to participating banks of Faster Payment System (FPS), and is subject to Citi’s loan approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Processing time may vary in some cases depending on the actual circumstances of individual applications.
APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HK$3,500,000 with 12 months repayment period, the monthly flat rate is 0.08% (APR 1.78%), and the total loan repayment amount is HK$3,533,600 (including full handling fee waiver). The above example is for reference only.
To borrow or not to borrow? Borrow only if you can repay!

Step to Apply :

1. Fill in the application form and submit it together with the required documents.

2. Wait for the loan approval result

3. Disburse the loan

Required Document :

1. HK Identity Card

2. Income proof,

e.g. latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)

3. Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)

4. Latest residential address proof (e.g. electricity bill or bank statement)

5. Any other documents or certificates deemed appropriate.

Eligibility :

Minimum Age: 18 years old

Min. Annual Income: HK$ 72000

Citizenship: Hong Kong resident

🚀Prizes totaling over HK$50,000 Large size loan Application incentive Loan amount up to 21x monthly salary

Citi Card Debt Consolidation Loan

Monthly repayment $

Monthly flat rate

APR

Total repayment

2 Offer Available

MoneyHero Exclusive Offer

iPhone 16 Pro Max (256GB, random colour)

+ 14 other gift options

Valid until

02 December 2024

Citi Welcome Offer

HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders)

+ 13 other gift options

Valid until

31 December 2024

[MoneyHero Exclusive Offer]

Gift Options

Loan amount HK$2,000,000 or above + repayment period at least 12 months

iPhone 16 Pro Max (256GB, random colour); or
HK$10,000 Apple Store Gift Card; or
HK$10,000 Wellcome Shopping Voucher

Loan amount from HK$500,000 to HK$1,999,999 + repayment period at least 12 months

HK$7,000 Trip.com e-Voucher; or
HK$7,000 Apple Store Gift Card; or
HK$7,000 Wellcome Shopping Voucher

Loan amount from HK$300,000 to HK$499,999 + repayment period at least 12 months

HK$6,000 Apple Store Gift Card; or
HK$6,000 Wellcome Shopping Voucher; or
HK$6,000 Trip.com e-Voucher

Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months

Sony Vlog camera ZV-1; or
HK$4,000 Apple Store Gift Card; or
HK$4,000 Wellcome Shopping Voucher

Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months

SENNHEISER Momentum Sport headphone; or
HK$1,500 Apple Store Gift Card; or
HK$1,500 Wellcome Shopping Voucher

[Citi Welcome Offer | Up to HK$8,000 Cash Coupon]

Clients who successfully apply for Citi Speedy Cash Personal Loan or Citi Card Debt Consolidation Loan from 1 November 2024 to 31 December 2024 and drawdown the loan on or before 14 January 2025 will be entitled to the following welcome offer

Gift Options

Repayment period at least 25 months + loan amount HK$1,500,000 or above

HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$4,000 Cash Reward (Other customers)

Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999

HK$5,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$3,000 Cash Reward (Other customers)

Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999

HK$2,500 Cash Reward(Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$1,500 Cash Reward (Other customers)

Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999

HK$600 Cash Reward

Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above

HK$3,000 (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$2,000 Cash Reward (Other customers)

Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999

HK$2,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$1,500 Cash Reward (Other customers)

Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999

HK$1,500 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders); or
HK$1,000 Cash Reward (Other customers)

Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999

HK$600 Cash Reward

Terms and Conditions :

Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
Each eligible customer can enjoy the Reward once during the promotion period
The annualized percentage rate (“APR”) ranges from 9.57% to 35.78%, with repayment period of 6 to 72 months.
The Annualized Percentage Rate ("APR") of as low as 9.57% is calculated based on the monthly flat rate 0.42% with loan amount of HK$1,200,000 and repayment tenor of 12 months.
The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HKD1,200,000 with 12 months repayment period, the monthly flat rate is 0.42% (APR 9.57%), and the total loan repayment amount is HK$1,260,480 (including full handling fee waiver). The above example is for reference only.
To borrow or not to borrow? Borrow only if you can repay!

Step to Apply :

1. Fill in the application form and submit it together with the required documents.

2. Wait for the loan approval result

3. Disburse the loan

Required Document :

1. HK Identity Card

2. Income proof,

3. Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)

4. Latest residential address proof (e.g. electricity bill or bank statement)

5. Any other documents or certificates deemed appropriate.

Eligibility :

Minimum Age: 18 years old

Min. Annual Income: HK$ 72000

Citizenship: Hong Kong resident

How long is the repayment period for Citibank's personal loan programs?

expand_more

The repayment period for Citi Speedy Cash ranges from 6 to 60 months, while Citi Card Debt Consolidation Loan provides a choice between 6 to 72 months.

Will Citibank check TU records or credit scores?

expand_more

Yes, applying for a Citi personal loan involves a review of applicants’ credit records, including information about their credit accounts, overdue accounts, credit inquiry records, past repayment details, etc.

What is the Citibank loan hotline?

expand_more

You can call the Citibank loan hotline at (852) 2963 6477 to apply for a loan from Monday to Friday, between 9:00 a.m. and 7:00 p.m. Applying through MoneyHero will net you more rewards versus applying through phone.

Citi Tax Season Loan boasts a competitive APR as low as 1.78%. This rate stands out as one of the lowest among bank loans, significantly lower than Standard Chartered's personal loan at 1.85%, HSBC's Personal Instalment Loan at 2.25%, and Bank of East Asia's Tax Season Loan at 5.63%.

Citi Card Debt Consolidation Loan is available at APRs starting from 8.64%, which is higher than most other debt consolidation loans offered in the market. For instance, this rate is higher than Hang Seng Bank's Debt Consolidation Instalment Loan at 4.65% and Bank of China's Express Cash Instalment Loan Balance Transfer at 5.93%, but lower than the 7.19% offered by China CITIC Bank International’s $mart Plus Personal Instalment Loan.

Upon submission of the required documents for a loan application, whether it is done online, through the loan hotline, or in person at Citibank, customers can expect a dedicated loan officer to follow up on their application within 1 to 3 business days. This will be regardless of the application’s outcome. The loan officer will then initiate a telephone confirmation process and assist with the loan disbursement procedures.

For applications and document submissions completed before 10:00 a.m. on a business day (Monday to Friday), it is possible to get same-day approval and disbursement of loan.

There are no restrictions on how to use the personal loans offered by Citibank. Customers can consider Citi Speedy Cash for those who require cash flow for marriage, investments, car purchase, home renovations, further education, medical expenses, and more. For consolidating debts and settling credit card balances, Citi Card Debt Consolidation Loan is a suitable option. While customers can choose the Citibank loan programs based on their individual needs, it should be noted that the monthly flat rate and APR may vary depending on individual financial circumstances.

Citibank personal loans have relatively little application requirements. Applicants only need to be permanent residents of Hong Kong aged 18 or above, employed for a minimum of 3 months in their current job, and have a monthly salary of HK$6,000 or above to qualify for the loans.

To complete the application for a Citibank loan, applicants are required to provide the following documents: Hong Kong permanent identity card, proof of address, income proof such as the most recent month's pay slip or the past 3 months' bank statements. Additionally, for the Citi Tax Season Loan, tax demand notes will also need to be submitted.

Handling fee

Applying for a Citibank personal loan incurs no handling fees, and there are no hidden terms or conditions.

Early repayment fee

If a customer opts for an early repayment, a fee of typically 1.5% (depending on the remaining repayment period) will be charged based on the loan amount and the early repayment date.

Extension fee

If a customer wishes to change the loan's due date or extend the repayment term, an extension fee will be charged. If the request for an extension is made before the loan is disbursed, the fee will be calculated based on the number of days, loan interest, and the outstanding loan amount. The extension period cannot exceed 45 days. As for a request made after the loan has been disbursed, the customer will be charged the aforementioned "extension fee" as well as an additional HK$100 (in the event the desired new due date is more than 1 month away from the original date).

Best Citibank Personal Loan Rates and Offers Comparison

Citi Tax Season Loan

2 Offer Available

Citi Card Debt Consolidation Loan

2 Offer Available

Citi Bank Personal Loan Features

Annualized Percentage Rate (APR) as low as 1.78%

Quick Facts for Citi Personal Loans:

Citibank Tax Season Loan

Citibank Speedy Cash Loan

Citibank Card Debt Consolidation Loan

Citibank Personal Loan FAQ

How long is the repayment period for Citibank's personal loan programs?

Will Citibank check TU records or credit scores?

What is the Citibank loan hotline?

Interest rates of Citibank’s loans

Approval time for Citibank’s personal loans

Use of Citi’s loans

How to apply for Citibank personal loan?

Application requirements and documents needed for Citibank’s loan application

Citibank loan fees

Handling fee

Early repayment fee

Extension fee