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Calculate your borrowing power

Start doing with our lending products

Take control of your finances, get the things you want in life or have extra funds ready just in case with Citi Personal Loan Plus or Citi Ready Credit. Simple and hassle-free - apply in as little as 10 minutes and get started on your next big thing.

My gross annual income


Minimum income required is $40,000 a year

I can afford to pay each month^


The estimated amount
you could borrow is*


^If you need help understanding your budget, try this simple money manager tool from Money Smart.

*This calculation is an estimate only and does not represent quotes or pre-qualification for the product and is based on the accuracy of information provided. To apply for a lending product you must complete an application. Fees and charges apply and are subject to change. Applications are subject to our standard credit criteria and full terms and conditions.

For Citi Personal Loan Plus and Citi Ready Credit, a credit line of between $5,000 and $75,000 will be assigned based on our credit criteria and your credit rating. Minimum income required is $40,000 a year.

2.9% p.a.

3 years

on the initial balance transferred to your account1

Citi Ready Credit

An ongoing line of credit you can access at any time, without having to reapply        
Request the transfer of up to 100% of your credit limit to an Australian bank account in your name
Choose your own repayments each month, over the minimum payment due                                 
Only pay interest on the amount you have used, not your whole credit limit

A standard variable rate of 20.49% p.a. applies to the balance after 3 years, ongoing purchases and cash advances.

Learn more

Variable rate
8.90% p.a

Comparison rate
9.18% p.a2

Citi Personal Loan Plus

Low rate unsecured loan with a reusable credit facility        
Fixed monthly repayments for the loan amount3                                   
Choose 3, 4 or 5 year initial loan term3                                
Access your available credit, at the variable interest rate, without having to reapply3       

Check out what you could do with our Personal Lending products

Loan refinancing

If you have a personal loan or a balance on a credit card consider loan refinancing.  With a low interest personal lending option you could save on interest costs and pay off your balance sooner.

Car loan

Time to help the kids out with a run around? Get cash for the seller and then pay the loan back over time.

Renovation loan

Whether it’s a fresh lick of paint, upgrading your kitchen or adding air conditioning, our Personal Lending products can make it happen.

Wedding loan

There’s the venue, the photographer, the catering and music. With so much to plan, let a loan take some of the stress out of it, so you can focus on the big day instead.

Got any questions? Give us a call on 1300 790 926 to talk it through.

Things you should know

Fees and chargesTerms and conditions apply and are available upon request. Credit criteria apply. New applications only and not available in conjunction with any other offer.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.

Our/us/we means NAB unless the context otherwise requires it. 

“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

This information is current as at 1 June 2022.

Citi Ready Credit

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

1. The introductory interest rate of 2.9% p.a. applies to the initial balance transferred with this offer within 3 months from account approval for a promotional period of 3 years. The 3 year promotional period commences once the initial balance transfer is processed. If you request a balance transfer with your application, this will be processed when you activate your account. If you do not request a balance transfer with your application, you will need to call us within 3 months from account approval to request one, otherwise the introductory rate will not apply to your balance transfer and you will be charged the standard variable APR, currently 20.49%. Balance transfers are repaid before cash advances, retail purchases and the establishment fee, which attracts interest at the standard variable APR. At the end of the promotional period, the interest rate on any outstanding balance transfer will revert to the standard variable APR. Excludes balances transferred from other Citi branded unsecured credit products. Offer ends 31 August 2022. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice.

Citi Personal Loan Plus

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

The advertised Citi Personal Loan Plus rate is for new loans only and is subject to change at any time. 

Your instalment loan will appear as a 'Fixed Payment Option' on your statement. Payment of the Monthly Instalment enables you to pay off the loan within your chosen term of 3, 4 or 5 years.

  • a) Any use of the reusable credit facility will require monthly repayments in addition to the Monthly Instalment. These amounts will be included in the Minimum Payment Due amount on your statement.
  • b) Monthly repayments will first be allocated towards payment of your instalment loan(s). Any additional payments will be applied to any balances that are not part of your instalment loan(s).
  • c) If you fail to pay your Monthly Instalment, the we reserve the right to cancel your instalment loan.
  • d) For the full terms and conditions of your instalment loan, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.

2. Comparison rate is based on a 5 year unsecured variable rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

3. Payment of the monthly instalment enables you to pay off your initial loan within your chosen loan term. You can choose to reuse credit up to your approved credit limit. Any use of the reusable credit facility will require additional monthly repayments on your loan. There will be no end date for your reusable credit facility. For the full terms and conditions of your instalment loan, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.

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