The stated monthly repayment amount, total interest and APR are for reference only. An 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.

Please refer to the "Key Facts Statement for Citibank Personal Loan" for the finance charge

^*Application hotline service hours: Monday to Sunday 9:30am –6:30pm (not applicable to Hong Kong public holiday)