Travel & rewards credit cards
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Citi Ready Credit
Personal Loan Plus
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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
I can afford to pay each month^
The estimated amount
you could borrow is*
$25,000
^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 a credit line of between $2,000 and $55,000 will be assigned based on our credit criteria and your credit rating.
For 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.
5 years
on the initial balance you request to be transferred to your bank account within 3 months from approval1
Citi Ready Credit
A standard variable rate of 20.99% p.a. applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.
Please note: The variable interest rate of 10.90% p.a. on the reusable credit facility will increase to 13.99% p.a. as of 20 October 2024. The initial loan drawdown rate of 10.90% p.a. will not be impacted by this rate change.
Citi Personal Loan Plus
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 the right loan 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.
Things you should know
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 credit products. NAB has acquired the business relating to these products from Citigroup Pty Limited (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.
Fees and charges, Terms and conditions apply and are available upon request. Credit criteria apply. New applications only and not available in conjunction with any other offer.
This information is current as at 3 June 2024.
Citi Ready Credit
To obtain a copy of the Target Market Determination (TMD) related to this product click here.
1. Introductory rate: Offer commenced 1 May 2024. The introductory interest rate of 8.9% p.a. will apply to balance transfers you request with this offer within 3 months from account approval. The introductory rate of 8.9% p.a. will apply for a promotional period of 5 years. The 5-year promotional period will commence once the initial balance transfer is processed. This promotion will be treated as a balance transfer in accordance with the Unsecured Credit Terms and Conditions and Other Important Information. Any balance transfer requests submitted with your application will be processed when you activate your account. If you do not submit a balance transfer request with your application, you will need to call us to submit a balance transfer request 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 Annual Percentage Rate (APR), currently 20.99% p.a. During the introductory period, repayments are allocated to balance transfers before retail purchases and cash advances, which attract interest at the standard variable APR of 20.99% p.a. At the end of the promotional period, the APR on any outstanding balance transferred with this offer will revert to the standard variable APR. This offer excludes balances transferred from other Citi branded unsecured credit products. We may vary or end this offer at any time.
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 and representative example are based on a 5 year unsecured variable rate loan of $30,000. The estimated total amount payable at an interest rate of 10.90% p.a. (Comparison rate 11.19% p.a.) is $39,245.65 including the $199 establishment fee.
WARNING: This comparison rate is true only for the example 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.