To apply for a loan, you'll typically need to provide valid government-issued photo identification, proof of income (pay stubs, tax returns), and proof of address (utility bill, bank statement). For secured loans, you may also need to provide documentation for the collateral. Specific requirements may vary by loan type. We may ask for ID and proof of address per regulatory requirements (KYC/AML).
Loans & Mortgages
Flexible financing solutions with competitive rates for all your financial needs. From personal loans to business financing.
Explore Loan OptionsLoan Options
Find Your Perfect Loan
Subject to credit assessment. Terms apply. We may ask for ID and proof of address per regulatory requirements (KYC/AML).
Home Loans (Mortgage)
Competitive rates and flexible terms for purchasing your dream home. Our mortgage experts guide you through the entire process.
- Fixed and variable rate options
- Flexible repayment terms
- Expert mortgage advisors
Rate: [0.5% APR range]
Apply Now
Subject to credit approval. Terms apply.
Personal Loans
Unsecured personal loans for any purpose. Quick approval and flexible terms to meet your financial needs.
- Loan amounts up to $50,000
- Terms from 1 to 7 years
- Fast approval process
Rate: [1.5% APR range]
Apply Now
Subject to credit approval. Terms apply.
Auto Loans
Financing for new and used vehicles with competitive rates. Special offers for certified pre-owned vehicles.
- Rates as low as [1,8%]
- Terms up to 84 months
- Special dealer financing
Rate: [1.05% APR range]
Apply Now
Subject to credit approval. Terms apply.
Business Loans
Fund your business growth with our commercial loan solutions. From startup capital to expansion financing.
- Lines of credit available
- Term loans up to $1M
- SBA loan options
Rate: [1.75% APR range]
Apply Now
Subject to credit approval. Terms apply.
Loan Security
All Citi Exchequers Bank loans are protected by advanced security measures including fraud monitoring, two-factor authentication, and secure document handling. We comply with all regulatory requirements for lending. Rates and fees are subject to change. Terms, conditions, and eligibility apply.
Financial Planning Tool
Loan Calculator
Calculate your monthly payments with our easy-to-use loan calculator
Mortgage Loan Calculator
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Loan Amount
$250,000
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Loan Terms
30 Years
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Interest Rate
4.5%
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Expected Monthly Payment
$1,267
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Total Interest
$206,120
-
Total Amount Payable
$456,120
Auto Loan Calculator
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Loan Amount
$30,000
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Loan Terms
5 Years
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Interest Rate
5.2%
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Expected Monthly Payment
$570
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Total Interest
$4,180
-
Total Amount Payable
$34,180
Personal Loan Calculator
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Loan Amount
$15,000
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Loan Terms
3 Years
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Interest Rate
9.5%
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Expected Monthly Payment
$480
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Total Interest
$2,280
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Total Amount Payable
$17,280
Business Loan Calculator
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Loan Amount
$100,000
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Loan Terms
5 Years
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Interest Rate
7.2%
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Expected Monthly Payment
$1,995
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Total Interest
$19,700
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Total Amount Payable
$119,700
Frequently Asked Questions
Loan Information
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What documents do I need to apply for a loan?
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How long does it take to get approved for a loan?
Loan approval times vary depending on the type of loan and your financial situation. Personal loans often have instant decisions with funding within 1-3 business days. Mortgage approvals typically take 30-45 days. Auto loans are usually approved within 24-48 hours. Business loans may take 1-2 weeks for approval.
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Can I pay off my loan early?
Yes, in most cases you can pay off your loan early without penalty. However, some loans may have prepayment penalties, especially for fixed-rate mortgages. Please review the terms and conditions of your specific loan agreement or contact our customer service for details about your loan.
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What is the difference between fixed and variable interest rates?
A fixed interest rate remains the same throughout the life of the loan, providing predictable monthly payments. A variable interest rate can change over time based on market conditions, which means your monthly payments may increase or decrease. Fixed rates offer stability, while variable rates may offer lower initial rates but come with more risk.
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How does my credit score affect my loan application?
Your credit score is a key factor in loan approval and interest rates. Higher credit scores typically qualify for lower interest rates and better terms. A score of 700 or above is generally considered good for most loans. If your credit score is lower, you may still qualify for a loan but with higher interest rates or additional requirements.
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Where can I find the terms and conditions for my loan?
You can find the full terms and conditions for each of our loan products on our Terms & Conditions page. You'll also receive a copy with your loan documents and can access them through our mobile app or online banking portal after approval.
