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Repayments calculator

Find out how much your
repayments could be

To help you plan out your monthly budget, you can use our repayments calculators to estimate what your monthly repayments will be based on the amount you want to borrow. To get started, just complete the fields below.

Citi Ready Credit is a line of credit that you can dip into whenever you need, without reapplying. With the introductory offer on the initial balance transferred, you can request the transfer of funds to your bank account.

8.9% p.a.

for 5 years on the initial balance transferred to your bank account1

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I want to borrow


Your estimated repayments will be

*Your monthly repayments are flexible. This is the monthly repayment you would need to repay the initial balance transferred in full at a rate of 8.9% p.a. over 5 years. It does not take into account the establishment fee, ongoing purchases and cash advances.
The minimum payment due on your statement will not be the same as the monthly repayment shown here. You can pay more than the minimum payment due with no additional repayment fee.
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.

Citi Personal Loan Plus is an unsecured personal loan with a reusable credit facility which allows the use of your available credit, without the need to reapply.

Variable rate
10.90% p.a

Comparison rate
11.19% p.a.2

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I want to borrow


I want to pay it off in

Your estimated
repayments will be

^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.



Check out what you could do with our personal lending products

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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.

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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

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

Travel loan

Travel loan

Finance your entire holiday hassle-free from flights, to accommodation and more. Pack your bags and let Citi Ready Credit redefine your travel financing experience.

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 apply. Terms and conditions apply and are available upon request. Credit criteria apply. New applications only and is 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, 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.

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