- Apply through MoneySmart and get S$100 Grab Credits with a minimum S$10k successful loan of $10k
- Valid for applications submitted till 30 Jun 2018
- Refer to T&Cs here
Exclusive Offer - 4.55% p.a. (EIR 8.5% p.a.) for 36 month loan tenureS$1,000 minimum loan amount at a 36 month loan tenure 4.55% p.a. (EIR: 8.5% p.a.) Eligible for new Citibank customers who apply for Citibank Ready Credit
Principal Loan Amount
Interest Rate (per annum)
Total Amount Payable
Total Interest Payable
Singaporean / PR
age 21 - 65 years old
Salaried Employee, Variable/Commission-based Employees or Self Employed
Minimum Annual Income
No processing 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 prepayment allowed
Full Repayment Penalty
3% of outstanding unbilled principal amount or s$100 whichever is higher
MoneySmart lists personal loan products that range between a minimum of 1 to a maximum of 7 years. The effective interest rate (EIR) of loan products on our site range from 8.5% p.a. to up to 20.0% p.a. The EIR of your loan will be dependent on the loan you apply for as well as your personal financial needs.
For example, you would need to pay S$316/month for a S$10,000 personal loan with a loan tenure of 3 years. This would equate to a total payment of S$11,376 over 3 years. 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).