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Personal loans

Hit go on life with Citi personal lending

Press start on the things you want in life. Make your house a home. Get back in control of your finances, fund a bucket-list trip or have extra funds ready just in case. Whatever it is, you can stop dreaming and start doing with help from Citi.

Choose a personal loan

Citi Ready Credit

 

2.9% p.a. for 3 years

on the initial balance transferred1

A standard variable interest rate of 20.49% p.a. applies to the balances after 3 years, ongoing spend and cash advances.


Monthly fee2

$0

Establishment fee3

$199

Apply now
Or call us on 1300 790 926

  • Get a lump sum in your account at a great low rate
  • Flexible monthly repayments above the minimum required
  • An ongoing line of credit ready for you to dip into

Citi Personal Loan Plus

 

Variable rate 8.90% p.a.

Comparison rate 9.18% p.a.4

 


Monthly fee5

$0

Establishment fee6

$199

Apply now
Or call us on 1300 790 926

  • Low rate unsecured personal loan
  • No monthly or ongoing fees
  • 3, 4 or 5 year loan term7
  • Fixed monthly repayments for the loan amount7
  • Ability to reuse credit up to your credit limit7

Check out what you could do with a Citi lending product

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, Citi Personal Loan Plus can make it happen.

Wedding loan

There’s the venue, the photographer, the catering and music. With so much to plan, let a loan take some of the stress out of it, so you can focus on the big day instead.

Calculators & Tools

 


Repayments Calculator

Use our simple loan repayment calculator to find out what your loan repayments will be

Calculate repayments

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

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. New applications only and cannot be used in conjunction with any other offer.

This information is current as at 21 March 2022.

Citi Ready Credit

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

1. The introductory interest rate of 2.9% p.a. applies to the initial balance transferred with this offer within 3 months from account approval for a promotional period of 3 years. The 3 year promotional period commences once the initial balance transfer is processed. If you request a balance transfer with your application, this will be processed when you activate your account. If you do not request a balance transfer with your application, you will need to call us within 3 months from account approval to request one, otherwise the introductory rate will not apply to your balance transfer and you will be charged the standard variable APR, currently 20.49%. Balance transfers are repaid before cash advances, retail purchases and the establishment fee, which attracts interest at the standard variable APR. At the end of the promotional period, the interest rate on any outstanding balance transfer will revert to the standard variable APR. Excludes balances transferred from other Citi unsecured credit products. Offer ends 31 August 2022. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.

2. Other service fees and charges including late payment fee and dishonour fee may apply.

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.


Citi Personal Loan Plus

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

The advertised Citi Personal Loan Plus rate is for new loans only and is subject to change at any time. 

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, Citi 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.

4. 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.

5. No Monthly Account Service Fee applies to applications submitted from 31 March 2021 to 28 December 2022. Post this advertised date Citi reserves the right to continue, withdraw or change the offer at any time without notice.

6. 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.

7. 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.

 

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