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Citi Personal Loan Plus
Hit go on bigger trips
with 150,000 Velocity Points.
Apply now Or call us on 1300 790 926
Citi Personal Loan Plus
Hit go on bigger trips
with 150,000 Velocity Points.
Apply now Or call us on 1300 790 926
Get things going with Citi Personal Loan Plus
Plan a trip. Pick a destination. Hit go. See Los Angeles, Fiji, London and more with 150,000 Velocity Points.2
Get this limited time offer when you apply for Citi Personal Loan Plus by 30 September 2022 and activate your account within 90 days from approval.2
Citi Personal Loan Plus is your low rate unsecured personal loan with a reusable credit facility. Enjoy a low variable rate of 8.90% p.a and a Comparison rate of 9.18% p.a when you apply.1 Please note, this is an offer not available through Citibank online, in order to get this special offer you need to apply through this webpage only.
Enjoy 150,000 bonus Velocity Frequent Flyer Points
Until 30 September 2022.2
Sydney to Los Angeles
Fly Sydney to Los Angeles one way on a Business Class Reward Seat on United Airlines from 95,500 Points plus $144.08 in taxes, fees, and carrier charges*
Brisbane to Fiji
Fly Brisbane to Fiji return on a Business Class Reward Seat on Virgin Australia for 2 adults from 142,000 Points, plus $539.68 in taxes, fees, and carrier charges*
Comparison rate 9.18% p.a.1
Please note, this is an offer not available through Citibank online, in order to get this special offer you need to apply through this webpage only.
Features
Rates and Fees
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.
Additional funds when you need

Extra funds you can dip into anytime
Citi Personal Loan Plus gives you access to a reusable credit facility, allowing you to dip into your available credit limit at a low variable rate of 8.90% p.a. without having to reapply.3 Just log in to the Citi Mobile® App and transfer the funds via EFT to your nominated bank account or buy things using your Debit Mastercard®.6
So for example, if you took out your initial loan to build a deck, after paying a portion off, you could dip into the money you’d paid back to convert your home to solar or to cover unplanned expenses.
Use our Personal Loan repayments calculator to estimate how much your repayments could be
Variable rate
8.90% p.a
Comparison rate
9.18% p.a.1
I want to borrow
I want to pay it off in
Your estimated
repayments will be
Check out what you could do with our Personal Lending products
Loan refinancing
If you have a personal loan or a balance on a credit card consider loan refinancing. With a low interest personal lending option you could save on interest costs and pay off your balance sooner.
Car loan
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
Whether it’s a fresh lick of paint, upgrading your kitchen or adding air conditioning, our Personal Lending products can make it happen.
Here's what you'll need to apply
Around 10 minutes to completed the application
Earn more than $40,000 a year
Be 18 years or older, a permanent Australian resident and have your BSB and Account number ready
Top tip: Upload your documents (e.g. drivers licence, Medicare card and proof of income) with your application for a faster review.

Not quite what you're looking for?
Consider Citi Ready Credit with an introductory rate of 2.9% p.a. for 3 years on the initial balance transferred to your account. Reverts to standard variable rate. Fees, charges, T&Cs apply.
Calculators & Tools
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
FAQs
FAQs
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When is it a good idea to get a personal loan?
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What is a good personal loan rate?
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What is good credit history?
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Why should I use a personal loan when I can redraw on my mortgage at a much lower rate?
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How much will my monthly repayments be?
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Can existing customers apply?
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What documents do I need for a loan application?