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Citi Personal Loan Plus

Citi Personal Loan Plus

Spend on your grand vision. Not on loan fees.

Not currently taking new applications.
Take a look at Ready Credit, a flexible alternative to a personal loan here

Receive a $250 gift voucher

Pay no upfront and ongoing fees with no establishment fee and no monthly fee1

Pay no upfront and ongoing fees

Borrow between $5,000 and $75,000

Choose a 3, 4 or 5 year loan term

Prefer to choose your own repayments each month? Learn more about Citi Ready Credit


Get the funds to spend on things, without establishment and monthly fees taking anything away.

You’ll receive the full amount of your loan up front with no establishment fees and no monthly fees.1  Plus there are no early repayment fees, redraw fees or even annual fees, leaving you with much more for the things that matter (other fees may apply). Get your projects going with the Citi Personal Loan Plus.


Variable Interest Rate

Interest rates from 9.99% p.a. to 17.99% p.a. We factor in your personal circumstances - including employment details, living expenses, rent/mortgage costs and credit history - to tailor a rate that’s right just for you.

Comparison Rate

Ranges from 9.99% p.a. to 17.99% p.a.2

Establishment fee

Monthly service fee

Early pay out fee

Additional repayments 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 Personal Loan Plus can be viewed at the Personal Lending Rates, Fees & Charges page.


Check out what you could do with a Citi Personal Loan Plus

Car loan

Don't let payment options get in the way of your next set of wheels. Citi Personal Loan Plus takes this hassle away, so let yourself sit back and enjoy the ride.

Renovation loan

Renovate your kitchen, create a garden oasis, add a deck or pool. Make those home improvement dreams a reality.

Home entertainment loan

Make the home theatre of your dreams. Upgrade your TV, sound systems and even splurge on 3D glasses to enjoy all the cinema action from the comfort of your living room.

Not currently taking new applications.
Take a look at Ready Credit, a flexible alternative to a personal loan here.


  • What is my credit history and why does it affect my Rate?

    If you have ever taken out a mobile phone plan, had a utilities account under your name, or applied for a credit card or loan, you'll have a credit history that financial companies like us to check out when you apply for credit.

    Your credit history is based on an analysis of your credit file at a particular point in time. It basically helps us determine how much credit you'll be able to confidently take on.

  • Can existing customers apply?

    If you already have another Citi unsecured credit product you must hold this account in good working order for 9 months before applying for a Lending Product such as a Citi Personal Loan Plus.

  • What documents do I need for a loan application?

    Here's a quick checklist of the documents you'll need to apply:

    • Address proof
    • Income proof
    • Proof of employment

    If you don't have one or more of these documents on hand when you begin you can always save your application and continue it later.

Terms and Conditions

Fees and charges, terms and conditions and credit criteria apply. New Citi Personal Loan Plus customers only and cannot be used in conjunction with any other offers.

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, the Bank 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.

This information is current as at 12 December 2020.

  1. 1. No Establishment Fee and no Monthly Account Service Fee applies to applications submitted from 1 October 2019 to 18 December 2020. Post this advertised date Citi reserves the right to continue, withdraw or change the offer at any time without notice. Other service fees and charges including late payment fee and dishonour fee may apply.

  2. 2. 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.

  3. 3. 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.

  4. 4. Complimentary insurance covers are subject to eligibility requirements: Terms, conditions, limits and exclusions apply.  Refer to the Complimentary Insurance Description of Insurance Cover for further information. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance.

© 2020 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.