Credit Card Loan Services

Citi Mobile® App Revolutionize current Credit Card payment experiences. Flexible choices are right in your hand!

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Two Citibank customers using the Citi Mobile App

Whether you want to enjoy a spontaneous vacation, buy a new TV or throw a memorable birthday party for your special one, get quick financing for all your needs with our Credit Card Loan Services. As a Citi Credit Cardholder, you can turn your available credit limit into an instant loan with affordable interest rates and flexible repayment periods.


Opting for a loan on credit card is a quick and convenient way to fulfil your needs without straining your budget. Enjoy greater financial flexibility and optimize your wealth management potential with Citi Credit Card Loans.


Citi credit card loans also offer services such as PayLite Installment Program, Cash Conversion Program, Citi Cash Advance Service, and more. Check each feature in detail and apply for one to tackle your financial needs with ease.

Two Citibank customers using the Citi Mobile App

Flexible Credit Card Payment Methods

  • Pay with Points for Small Spendings
  • Utilize FlexiPay Installment for big spends.
  • Flexible repayment options to settle transactions or repay your credit card balance

A Citibank customer using Citi Quick Cash Installment Program on his phone

Instant Cash

  • "Quick Cash" Installment Program

    • Instant Cash Loan
    • No documents required

A child trying on her mother's shoes

Statement Installment Plan

  • “FlexiBill” Installment Program

    • Convert your statement balance into easy installments
    • Affordable interest rate with flexible repayment period

A man checking the time

Transaction Installment Plan

  • “PayLite” Installment Program

    • Convert your recent transactions into easy installments
    • Affordable interest rate with flexible repayment period

A couple playing with their daughter

Bank Account Transaction Installment Plan

  • “PayLite” Installment Program

    • Turn big transactions from your bank account into light monthly installments
    • Affordable interest rate with flexible repayment period
    • Cash will be instantly credited back to your bank account

A person holding a bundle of cash

Flexible Repayment

  • Cash Conversion Program

    • No fixed repayment period or repayment amount
    • Preferential annual interest rates as low as 5.8%
    • Zero handling fee
    • No documents required

A Citibank customer withdrawing money from the ATM

Cash on hand – anywhere, anytime

  • Cash Advance Service

    • Withdraw at any Citibank or supporting network ATM worldwide, 24 hours a day
    • Never miss any deals where credit card payment is not accepted
    • Draw cash up to your credit card limit
To borrow or not to borrow? Borrow only if you can repay!