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Citi lending

Borrowing power calculator.

You can use this borrowing power calculator to estimate how much you could borrow.

To get started:

  • Firstly, input your estimated gross annual income (before tax).
  • Then input how much you can afford to pay each month. If you need help understanding your budget, try this simple money manager tool from Money Smart.
  • Finally, select whether you would prefer fixed monthly repayments or to choose your own monthly repayments, over the minimum required.

What is your gross annual income?

How much can you afford to pay each month?

What type of monthly payments would you like?

The estimated maximum amount you can borrow is*


*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 Citi standard credit criteria and full terms and conditions.

For Citi Personal Loan Plus 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.

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. Minimum income required is $40,000 a year.

Fixed monthly repayments
Citi Personal Loan Plus

Borrow from $5,000 to $75,000
Choose a 3, 4 or 5 year term

Variable rate 8.90% p.a
Comparison rate 9.18% p.a.1


Learn more

Flexible monthly repayments
Citi Ready Credit

Borrow from $5,000 to $75,000

2.9% p.a. for 3 years
on the initial balance transferred2

Reverts to standard variable rate.

Learn more

Check out what you could do with a Citi lending product

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, Citi Personal Loan Plus 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.

This information is current as at 11 November 2021.

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 Bank reserves 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.

1. 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.

Citi Ready Credit

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

2. The introductory interest rate of 2.9% p.a. applies to the initial balance transferred with this offer within 90 days 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 90 days 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 unsecured credit products. Offer ends 28 February 2022. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.

© 2021 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

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