Chloe Bailey is leaving little to the imagination with her latest upload to social media ... donning a revealing monokini while catching some rays on vacay.

The singer appears to be enjoying a little rest and relaxation somewhere warm ... posing on a balcony deck for a series of saucy vacation pics -- which she happily shared with her followers.

Chloe is clearly feeling her colorful swimsuit, snapping a number of pouty pics from her lounge chair ... as well as one on top of a red French bulldog statue. Anything can be a photo shoot backdrop if you try hard enough!!!

She adds online ... "come meet me at the pool? 🚿"

Don't mind if we do ...

While Chloe has yet to reveal where she's getting her source of vitamin D, we're guessing she isn't anywhere near the Southeastern U.S. ... where a rare winter storm has hit the Gulf Coast.

A number of Chloe's celeb peers have flocked to tropical locales to wait out the wintry weather ... including Maren Morris, Mary J. Blige, Heidi Klum, among others.

For more famous babes heating up balconies, check out our gallery above!!!