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Citi Personal Loan Plus

Repayments calculator.

Citi Personal Loan Plus is an unsecured personal loan with a reusable credit facility. To help you plan out your monthly budget, you can use this repayments calculator to estimate what your monthly repayments will be based on the amount you want to borrow.

To get started, just complete the fields below.

I want to borrow


I want to pay it off in (years)

Variable rate 8.90% p.a

Comparison rate 9.18% p.a.1

Your estimated repayments will be:


Representative example: Based on a loan amount of $10,000 over 60 months at an Annual Percentage Rate of 8.90% p.a. Comparison rate 9.18% p.a.1 your monthly repayment would be $208 per month. Total amount repayable $12,624.91 including the $199 establishment fee.

*This is the Monthly Instalment required to pay off your instalment loan within your chosen term. Assumes Monthly Instalments are made by payment due date each month. Excludes establishment fee and monthly fee, if applicable and any other charges. Any use of the reusable credit facility will require monthly repayments in addition to the Monthly Instalment. This calculation is an estimate only and does not represent quotes or pre-qualification for Citi Personal Loan Plus and is based on the accuracy of information provided. To apply for Citi Personal Loan Plus you must complete an application.

Citi Personal Loan Plus

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

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

Learn more

Check out what you could do with a Citi Personal Loan Plus

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.

Man in pool

Not quite what you're looking for?

Consider Citi Ready Credit with an introductory rate of 3.99% p.a. for 3 years on the initial balance transferred to your bank account. Reverts to standard variable rate. Fees, charges, T&Cs apply.

Got any questions about Citi Personal Loan Plus? Give us a call on 1300 790 926 to talk it through.

Things you should know

The advertised Citi Personal Loan Plus rate is for new loans only and is subject to change at any time. Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. To obtain a copy of the Target Market Determination (TMD) related to this product click here.

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.

This information is current as at 4 October 2021.

  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.

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