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Make big things happen, with a variable rate of 10.90% p.a. (Comparison rate 11.19% p.a.1)
Apply now Or call us on 1300 790 926
Make big things happen, with a variable rate of 10.90% p.a. (Comparison rate 11.19% p.a.1)
Apply now Or call us on 1300 790 926
Get things going with Citi Personal Loan Plus
Build a deck. Pick up a second car for the family. Get a pool put in. If you’ve got a big purchase in mind, make it happen today with Citi Personal Loan Plus, a variable rate unsecured personal loan with a reusable credit facility.
(Comparison rate 11.19% p.a.1)
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 variable rate of 10.90% p.a. without having to reapply.2 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®.4
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
10.90% p.a
Comparison rate
11.19% 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 the right loan 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 complete the application
Be 18 years or older, a permanent Australian resident and have your BSB and Account number ready
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 8.9% p.a. for 5 years on the initial balance that you request to be transferred to your account. Reverts to standard variable rate. Fees, charges and 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?