Getting a personal loan from Citi is fast, easy, and hassle-free, with no salary transfer required. So now you can focus on what really matters.

EXCLUSIVE WEBSITE OFFER: Pay 0% processing fees & earn Noon e-vouchers up to AED 1,500 to spend on the things you love. Check the Offer tab for details.

Apply for a Citi Personal Loan, and upon approval, you can avail of one of the below exclusive offers depending on your approved loan amount.


Your approved loan amount
Your reward
AED 50,000 or less
0% Processing Fees
AED 50,001 to AED 100,000
0% Processing Fees + Noon e-voucher worth AED 500
AED 100,001 to AED 150,000
0% Processing Fees + Noon e-voucher worth AED 1000
More than AED 150,000
0% Processing Fees + Noon e-voucher worth AED 1500

Offer Terms and Conditions apply

  • Loans of up to AED 175,000
    (No salary transfer to Citibank required)
  • Loans of up to 8 times your salary
  • Competitive interest rates
  • In-principle decision in 10 minutes
  • Instant loan funding upon documentation fulfillment
  • Tenors from 6 months up to 48 months
  • IBAN of payroll account* (you may be asked to submit a copy of your bank statements to facilitate the process)
  • Visa Copy/Emirates ID Copy
  • Passport copy / Emirates ID Copy
  • Direct Debit Form

Apply for your Citibank personal loan today with our online application form


The products / services mentioned above are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.


Offer Terms and Conditions

  1. This offer is applicable only for customers who submit a lead through the Citibank website between January  20th, 2020 & June 30th, 2020.
  2. Submitting details does not guarantee the reward and the customer has to avail a Personal Installment Loan (PIL) to obtain the reward.
  3. The reward will be in the form of a Noon e-voucher which will be shared with customer via SMS within 30 working days’ post 1st Loan EMI has been paid by the customer.
  4. The offer is applicable for Personal Installment Loans only & not applicable for Salary Transfer Loans.
  5. US Citizen or US green card holder customers are not eligible for this offer.
  6. Existing Citibank loan customers & Citibank staff (including outsources staff) are not eligible for this offer.
  7. This campaign is not applicable for Top Up loan applications.
  8. Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel this offer, with or without any reason.
  9. This offer will not be available in conjunction with any other sign up offers/promotions.
  10. All loans are approved at the sole discretion of Citibank, N.A UAE (Citibank N.A.). Approval for a Loan is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification.
  11. Citibank Terms and Conditions apply. They are subject to change and are available upon request. For the current Terms and Conditions please visit
  12. Citibank reserves the right, at its absolute discretion, to vary, delete or add to any of these terms and conditions from time to time, without prior notice.
  13. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partner(s)/ other entity(ies). Partner Terms & Conditions apply' wherever applicable.
  14. In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer.
  15. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/ mobile number.
  16. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information.
  17. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information.
  18. I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion
  19. The products mentioned in this document are not offered to individual residents in the European Union, European Economic Area, Switzerland, Guernsey and Jersey. This document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
  20. Noon e-voucher terms & conditions apply.

Terms & conditions for Noon e-voucher

  1. The Noon eGift card has to be used to top up your wallet to purchase any product on platform or please visit the noon website
  2. To redeem this eGift card: create you account, go to menu, click my account, select noon credits, enter the code into the provided field, and start shopping.
  3. This eGift card must be redeemed within 4 months after SMS is received from Citibank with e-vouchers details.
  4. Once this eGift card has been redeemed, the credits have no expiry date.
  5. Expired eGift card cannot be extended, exchanged or refunded.
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