Cash, ready when you need it.

Cash, ready  when you need it.


  • You must be aged 21 years old and above
  • Minimum monthly income over VND 15,000,000.
  • Vietnamese nationality


  • Copy of National ID/Citizen ID/Passport.
  • Proof of current residence.
  • If the current residence address is different from one from the Household Registration Book, please provide one of the followings:
    • Temporary residence registration; or
    • Latest utilities bill (electricity, water, telephone, etc).

Salary earners

  • Original copy of bank statements showing the last 3 months salary.
  • Copy of labor contract showing information regarding the time of service, title, monthly salary and contract expiry date (if applicable).

Business owners

  • Copy of business license.
  • Copy of last year fiscal statement audited by Tax Department.
  • Copy of latest 6 months VAT declaration audited by Tax Department or original copy of latest 6 months bank statement in the name of the business.

Documentation for Loan Purpose (for Loan amount of above VND 200,000,000)

  • Please provide a copy of the Invoice, Purchase Contract and other documents evidencing the amount paid to the beneficiary, or other appropriate documents to prove the loan purpose.


Apply now

Apply now;

Your application will be processed within 15 business days from receipt of the completed application along with all required documentation.

What it costs

  • Joining Fee: VND 500,000, waived if you apply successfully for a Ready Credit Personal Loan from VND 20 Million within 2 months from the issuing date of your Citi Ready Credit Card.
  • Annual Fee: No Annual Fee