Citibank promises disbursal of your personal loan within 48 hours of approval. If the amount is not disbursed even after proper approvals, you can contact your loan officer for assistance. Be assured that you will not be charged any interest rate or other charges unless the amount is disbursed and has reached your bank account.
Citibank personal loans come with a simple documentation process. If you are a Citibank customer, you would already have a pre-approved personal loan offer from the bank.
If your personal loan has been approved but the amount has not yet been disbursed, just give a call to your loan officer who will get it done asap. Such an instance is highly unlikely but not impossible. But don’t worry, unless the amount is disbursed into your bank account, you shall not be charged any interest rate or fees for the personal loan amount.