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Help Me Choose

Help Me Choose

Whether you want to fund a renovation, buy a car, travel the world,
plan a wedding or even manage your finances, we have a lending
product that can help you finance the things that matter.

Need a little help selecting your loan?
Let us help you narrow it down

Manage your finances

Get your personal finances in order or smooth out the repayment of a big purchase, over time.

Here are your options:

If you would like
fixed repayments


Citi Personal Loan Plus

Find out more >

 

If you would like to choose your
monthly repayments (minimums apply)


Citi Ready Credit

Find out more >

Manage your finances


 

Buy a car

Buy a car

Pick up a new car or get a second-hand one that's convenient for your daily needs.

Here are your options:

If you would like
fixed repayments


Citi Personal Loan Plus

Find out more >

 

If you would like to choose your
monthly repayments (minimums apply)


Citi Ready Credit

Find out more >


 

Fund a renovation

Redo your kitchen or bathroom, make major home repairs, or even add solar panels.

Here are your options:

If you would like
fixed repayments


Citi Personal Loan Plus

Find out more >

 

If you would like to choose your
monthly repayments (minimums apply)


Citi Ready Credit

Find out more >

Fund a renovation


 

Go on holiday

Go on holiday

Plan a luxury retreat, your honeymoon or a long holiday with family.

Here are your options:

If you would like
fixed repayments


Citi Personal Loan Plus

Find out more >

 

If you would like to choose your
monthly repayments (minimums apply)


Citi Ready Credit

Find out more >


 

Plan a special occasion

Cover all the big-ticket items such as the venue, catering, photography and anything else to make the day unforgettable.

Here are your options:

If you would like
fixed repayments


Citi Personal Loan Plus

Find out more >

 

If you would like to choose your
monthly repayments (minimums apply)


Citi Ready Credit

Find out more >

Plan a special occasion


 

Other consumer purchases

Other purchases

Have the funds for an unexpected big expense such as a vet bill, car repairs or necessary home maintenance.

Here are your options:

If you would like
fixed repayments


Citi Personal Loan Plus

Find out more >

 

If you would like to choose your
monthly repayments (minimums apply)


Citi Ready Credit

Find out more >

Which loan works best for you?

Citi Personal Loan Plus

Citi Personal Loan Plus is an unsecured personal loan

  • Get things going with a low variable rate of just 10.90% p.a. (Comparison rate 11.19% p.a.1)
  • Borrow between $2,000 and $55,000
  • Choose your tenure of either 3, 4 or 5 years and budget with confidence with fixed monthly repaymentsfor the initial loan
  • Pay off your loan faster, with no early pay out fee or additional repayment fees - just a one off establishment fee of $1993
  • Access a reusable credit facility, allowing you to use your available credit, without ever needing to reapply2
Learn more about this offer >

Citi Ready Credit

Citi Ready Credit is a revolving line of credit.

  • Receive 8.9% p.a. for 5 years on the initial balance that you request to be transferred to your bank account.4 Transfer up to 100% of your credit limit to an Australian Bank Account in your name
  • Borrow between $5,000 and $75,000
  • Choose your own repayments each month, over the minimum payment amount
  • Only pay interest on the amount you use, not on your whole credit limit
  • A reduced one-off establishment fee of $1495

A standard variable rate of 20.49% p.a. (20.99% p.a. effective 3 June 2024) applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.

Learn more about this offer >


 

Here's what you'll
need to apply

Be 18 years or older
and a permanent Australian resident

Proof of address, income
and employment

Upload your documents (e.g. drivers licence, Medicare card and proof of income) with your application for a faster review

Calculators & tools

Repayments calculator

Use our simple loan repayment calculator to find out what your loan repayments will be

Calculate repayments

Borrowing power calculator

Estimate what you can borrow with our helpful borrowing power calculator

How much can I borrow

Compare loans

Compare our personal lending products and find the one that best suits your needs

Compare loans

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 not available in conjunction with any other offer. 

This information is current as at 1 May 2024.

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.

1. Comparison rate and representative example are based on a 5 year unsecured variable rate loan of $30,000.
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.

2. 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..

3. An establishment fee of $199 will be debited to your account on the date we issue you a statement of account for the Statement Period in which you first use or activate your Account. The establishment fee is billed in addition to the amount borrowed. Other service fees and charges including late payment fee and dishonour fee may apply.

Citi Ready Credit

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

4. 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 20.49% p.a. (20.99% p.a. effective 3 June 2024). 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 20.49% p.a. (20.99% p.a. effective 3 June 2024). 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.

5. Reduced establishment fee: Offer commenced 1 May 2024. An Establishment Fee of $149 will be debited to your Ready Credit account on the date we issue the first statement of account after you activate your account. The Establishment Fee is billed in addition to the amount borrowed. We may vary or end this offer at any time.

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