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Personal Loan for your car

Get a new set of wheels and enjoy a variable rate of 10.90% p.a. (Comparison rate 11.19% p.a.1)

Apply now  Or call us on 1300 790 926

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Make buying a car stress-free with Citi Personal Loan Plus. Choose from a 3, 4 or 5 year loan term,2 enjoy fixed monthly repayments for easier budgeting and tap into your available credit without ever needing to reapply.2 Plus, you'll know exactly when your car loan balance will be fully paid off, so you can always stay on top of your finances.


Hit the road with a variable interest rate loan for your car.

Variable rate




Comparison rate




Why choose Citi Personal Loan Plus when you buy a car?

Variable interest rate

Enjoy a variable rate of 10.90% p.a. (Comparison rate of 11.19% p.a.1) for your car loan.

Unsecured car loan

No collateral, no hassle. Pay off your car loan with fixed monthly repayments.2

Pay off your loan earlier

Make additional repayments or settle your loan early with no fees. 

No monthly fees

Pay no monthly fee on new applications when you apply by 30 June 2024.

Reusable line of credit

Tap into your available credit limit for any additional car expenses without having to reapply.2

How to apply

Applying for a new car loan with Citi Personal Loan Plus takes just 10 minutes. To qualify, you must be at least 18 years old and a permanent Australian resident with a good credit history.

Here's a simple checklist of the documents you require:

Proof of address

Proof of income

Proof of employment

Estimate your loan repayments for your car

Want to understand how much your repayments will be? Visit our Car Loan Repayments calculator page.

Find out more

Rates and Fees


Annual Percentage Rate (APR)
10.90% p.a.

Comparison rate
11.19% p.a.1

Establishment fee
One off payment of $1993

Monthly fee
$10. Waived for applications submitted from 31 March 2021 to 30 June 2024

Early pay out fee
$0, meaning you can pay out the loan early without a penalty

Additional repayments fee

Cash advance fee

Minimum loan amount

Maximum loan amount


There may be circumstances in which you have to pay other fees. A full list of fees applicable to Citi Personal Loan Plus can be viewed at our Personal Lending Rates, Fees & Charges page.



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.

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.

This information is current as at 1 November 2023.

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. 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. 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. 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.