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.
If you would like to choose your
monthly repayments (minimums apply)
Citi Ready Credit
Fund a renovation
Redo your kitchen or bathroom, make major home repairs, or even add solar panels.
If you would like to choose your
monthly repayments (minimums apply)
Citi Ready Credit
Plan a special occasion
Cover all the big-ticket items such as the venue, catering, photography and anything else to make the day unforgettable.
If you would like to choose your
monthly repayments (minimums apply)
Citi Ready Credit
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 repayments2 for 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
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
- Pay no monthly or annual fee, just a reduced one-off establishment fee of $995
A standard variable rate of 20.49% p.a. applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.
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
Borrowing Power Calculator
Estimate what you can borrow with our helpful borrowing power calculator
Compare Loans
Compare our Personal Lending products and find the one that best suits your needs
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 financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (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 November 2023.
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: 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. 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. 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. Offer ends 30 April 2024. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice.
5. Reduced establishment fee: An Establishment Fee of $99 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. This reduced Establishment Fee applies to applications submitted from 1 November 2023 to 30 April 2024 only. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice.