Citi Personal Loan Eligibility

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate


Citi provides a personal loan with quick and hassle-free documentation and no requirement of salary transfer to the Citi account.

Eligibility criteria for Citi

  • Minimum salary of AED 8000 is required.
  • Both UAE Nationals and Expats are eligible.
  • Age limit of 21-65 years is mandatory.

What influences Eligibility?

  • Credit history- Your previous or existing loans and credit cards can affect your current loan approval. Low credit score applications can be rejected.
  • Monthly income- If your monthly income is less than AED 8000 then the bank doesn’t approve your loan.
  • Debt to Burden Ratio- DBR should be maintained low i.e below 65% is preferred by the banks to approve the loan.
  • Age- Age limit of 21-65 yrs is mandatory. Minors below 21 yrs and senior citizens above 65 years (Expats above 60 years) are not eligible.
  • Documents- Documents like Salary certificate, Passport, Emirates ID, Trade license (If Self employed) are mandatory.
    1. Salary Certificate- Salary Certificate is a mandatory document for any kind of finance as it is a proof of your work and an employment in a company. Bank can ask for a salary certificate or salary certificate letter.
    2. Emirates ID- Emirates ID is a proof to confirm your identity. Without Emirates ID banks do not approve the loan.
    3. Trade License- For the self-employed individuals trade license is a mandatory document.

Tips to improve the chances of loan approval

  • Make sure you meet the age limit.
  • Pay your current loans or credit card bills on time so that it won’t disturb your credit score.
  • Maintain all the required mandatory documents.
  • Don’t take more than required finance.
  • It is preferable to go for maximum tenures.


Q. What is the minimum length of service required?

A. Minimum 6 months of duration at work is required.

Q. What are the minimum and maximum tenure of the loan?

A. A minimum tenure of 6 months and a maximum tenure of 4 years is provided.

Q. What is the maximum finance provided?

A. On Salary Transfer Loan maximum finance of 8 times your salary is provided and on Non-Salary Transfer Loan maximum finance of AED 1,75,000 is provided.

Q. Is salary transfer mandatory?

A. Yes, the salary transfer is required. If you cannot transfer your salary then you can go forPersonal Installment loan.

Check the list of Citi Personal loans.