Help Me Choose
Whether you want to fund a renovation, buy a car, travel the world,
plan a wedding or even manage your finances, Citi has 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 8.90% p.a. Comparison rate 9.18% p.a.1
- Borrow between $5,000 and $75,000
- 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 2.9% p.a. for 3 years on the initial balance 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 fees, just a one-off establishment fee of $1995
A standard variable rate of 20.40% p.a. applies to balance after 3 years, ongoing purchases and cash advances.
Here's what you'll
need to apply
Earn more than
$40,000 a year
Be 18 year or older
and a permanent Australian resident
Proof of address, income
and employment
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
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 3 May 2022.
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, Citi 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.
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. The introductory interest rate of 2.9% p.a. applies to the initial balance transferred with this offer within 3 months 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 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 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 31 August 2022. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.
5. 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.