Your browser does not support JavaScript! Pls enable JavaScript and try again.
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 second car 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 - balance transfer offer

Get a lump sum in your account at a great low rate, plus an ongoing line of credit.

Learn more

May suit if you...

want a lump sum transferred into your account to fund a large purchase
want plenty of time to pay back an existing balance at a low rate
want flexible repayments each month, over the minimum required
3.99% p.a. for 3 years
on the initial balance transferred1

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

Monthly fees2 $0
Establishment fee3 $199
Apply now

Or call us on 1300 790 926

Citi Personal Loan Plus - Flybuys offer

Get the dream started with Citi Personal Loan Plus, finish it with 110,000 Flybuys bonus points.4

Learn more

May suit if you...

have a big purchase in mind like a renovation or car
want to know from day one when your initial loan will be paid off - you can choose from a 3, 4 or 5 year loan term5
want access to a reusable credit facility up to your credit limit5
Variable rate 8.90% p.a.
Comparison rate 9.87% p.a.6
Monthly fees  $10
Establishment fee7 $199
Apply now

Or call us on 1300 790 926

Citi Personal Loan Plus

Get big things done with an unsecured low rate loan and fixed monthly payments.

Learn more

May suit if you...

have a big purchase in mind like a renovation or car
want to know from day one when your initial loan will be paid off - you can choose from a 3, 4 or 5 year loan term5
want access to a reusable credit facility up to your credit limit5
Variable rate 8.90% p.a.
Comparison rate 9.18% p.a.6
Monthly fees8 $0
Establishment fee7 $199
Apply now

Or call us on 1300 790 926

Citi Ready Credit - purchases offer

Money on hand when you need it with a revolving line of credit.

Learn more

May suit if you...

want interest free purchases for the first 6 months
want a rainy day fund you can dip into anytime
want to be able to pay what you want each month, over the monthly minimum
0% p.a. for 6 months
on purchases and initial balance transferred9

A standard variable rate of 20.49% p.a. applies to purchases and balances after 6 months and ongoing cash advances.

Monthly fees2 $0
Establishment fee10  $149
Apply now

Or call us on 1300 790 926

Check out what you could do with a Citi lending product

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

Requirements to apply for a loan

Requirements to apply for a loan

  • Am I eligible?

    To be eligible to apply, you must:

    • earn more than $40,000 a year, and
    • be 18 years or older and a permanent Australian resident, and
    • have a good credit history
       
  • What information do I need to provide?

    You will need to provide details of your current financial situation, including your:

    • licence or passport details
    • current employer’s name, address and phone number
    • current income and monthly expenses
    • other debts, such as mortgages, credit cards, store accounts, etc.
    • and documents to verify your address, income and 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.

Things you should know about Citi personal loans

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. New applications only and is not available in conjunction with any other offers.

Citi Ready Credit

1. The introductory interest rate of 3.99% p.a. will apply to the initial balance transferred with this offer within 90 days 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 90 days 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. This offer is limited to the first 500 accounts or until 30 September 2021, whichever occurs first. 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.

9. The introductory interest rate of 0% p.a. will apply to the initial balance transferred with this offer within 90 days from account approval for a promotional period of 6 months. The 6 month 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 90 days 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% p.a. This offer excludes balances transferred from other Citi unsecured credit products. The introductory rate of 0% p.a. will also apply to the retail purchase balance, for 6 months from account approval. At the end of the introductory period, the interest rate on any outstanding balance transfer and the retail purchase balance will revert to the standard variable APR.  Balance transfers and retail purchases at the introductory interest rate are repaid before cash advances. Offer ends 30 September 2021. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.

10. A reduced establishment fee of $149 applies to applications submitted from 31 March 2021 to 30 September 2021 and 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

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, 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 15 July 2021.

4. To be eligible to receive 110,000 Flybuys points, you must apply for a Citi Personal Loan Plus account by 31 October 2021 and activate your account within 30 days from approval. Citi will request your Flybuys membership number from you via email within 4 weeks from the date you activate your account. The Flybuys points will be credited to your Flybuys account within 3 months from the date Citi receives your Flybuys membership number. Your Citi Personal Loan Plus account must remain open and in good standing for the Flybuys points to be awarded. If you do not provide Citi with your Flybuys membership number within 30 days from Citi first requesting it, the Flybuys points will be forfeited. Membership of Flybuys is your responsibility. Flybuys points are administered by Loyalty Pacific Pty Ltd and subject to the Flybuys member Terms and Conditions, available at flybuys.com.au. This offer is valid until 31 October 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

5. 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.

6. 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.

7. 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.

8. No Monthly Account Service Fee applies to applications submitted from 31 March 2021 to 30 September 2021. Post this advertised date Citi reserves the right to continue, withdraw or change the offer at any time without notice.

©2021 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.

 

Show more