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Citibank Paylite Smartcash


  • Instalment Loan to help you manage your financial needs better
  • Lower interest rate (1.75% per month)
  • Flexible repayment period of up to 36 months
  • Credit Limit of up to 2X monthly income

Apply Directly with Bank

Interest Rates

Tenure 12 months 24 months 36 months
Effective Interest Rate 17.97% 19.02% 19.57%
Nominal Interest Rate 10.00% 10.50% 11.00%

The loan amount will be deposited into the bank account of your choice within 3-5 days of approval.


  • Age: 21 years old and above
  • For Singaporeans and PRs only
  • Annual income above $20,000 and below S$30,000
  • Not an existing Citibank Credit Card (except for Citi Clear Card) or Ready Credit customer

Salaried employee:

A copy of your NRIC/passport, latest original computerized payslip or Tax Notice of Assessment or last 12 months’ CPF statement.


A copy of your NRIC/passport, last 2 years’ Income Tax Notice of Assessment and last 3 months’ bank statements.


  • Annual fee: S$90 (first year annual fee waived)
  • Cancellation fee: 3% of outstanding unbilled principal amount or S$100 whichever is higher.

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