
Hit go on life with our Personal Lending products
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.
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
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
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 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.
Calculators & Tools
Repayments Calculator
Use our simple loan repayment calculator to find out what your loan repayments will be
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
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.
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 financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (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.
This information is current as at 18 July 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 branded unsecured credit products. Offer ends 31 August 2022. Post this advertised date, we reserve 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, 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.
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 we reserve 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.