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Make big things happen, with a variable rate of 10.90% p.a. (Comparison rate 11.19% p.a.1)

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Variable rate of 10.90% p.a.
(Comparison rate 11.19% p.a.1)

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Make additional repayments or pay off your loan early, with no fee

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Apply in as little as 10 minutes

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.


Variable rate 10.90% p.a
(Comparison rate 11.19% p.a.1)



Choose a 3, 4 or 5 year loan term2

Fixed monthly repayments

Make monthly budgeting easy with fixed monthly repayments for the initial loan2

Peace of mind

Rest easy knowing your initial loan will be fully paid off by the end of the 3, 4 or 5 year term2

Access available funds

Access your available credit, if you ever need to, at the variable interest rate, without having to reapply2

Credit limit

From $2,000 - $55,000

Pay off your loan early

Make additional repayments or pay off your loan early, with no fee

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 20 December 2023 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.



Additional funds when you need

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 Lending 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

*This is the Monthly Instalment required to pay off your instalment loan within your chosen term. Assumes Monthly Instalments are made by payment due date each month. Excludes establishment fee and monthly fee, if applicable and any other charges. Any use of the reusable credit facility will require monthly repayments in addition to the Monthly Instalment. This calculation is an estimate only and does not represent quotes or pre-qualification for Citi Personal Loan Plus and is based on the accuracy of information provided. To apply for Citi Personal Loan Plus you must complete an application.



Check out what you could do with our personal lending products

Loan refinancing

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

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

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.

Travel loan

Travel loan

Finance your entire holiday hassle-free from flights, to accommodation and more. Pack your bags and let Citi Ready Credit redefine your travel financing experience.

Here's what you'll need to apply

Around 10 minutes to completed the application

Around 10 minutes to complete the application

Be 18 years or older and a permanent Australian resident

Be 18 years or older, a permanent Australian resident and have your BSB and Account number ready

Upload your documents

Upload your documents (e.g. drivers licence, Medicare card and proof of income) with your application for a faster review

Citi Ready Credit

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

How much can I borrow

Compare loans

Compare our personal lending products and find the one that best suits your needs

Compare loans


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 credit products. NAB has acquired the business relating to these products from Citigroup Pty Limited (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 May 2024.

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. The estimated total amount payable at an interest rate of 10.90% p.a. (Comparison rate 11.19% p.a.) is $39,245.65 including the $199 establishment fee.
    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.

  4. 4. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.