The interest rate you will be offered can only be determined once you have submitted your application, as it will depend on the information you have supplied and your full credit bureau report. Any interest rates available on this calculator are solely for the purpose of providing indicative repayment amounts based on the amount you have entered, over the range of available repayment terms.


  • Loan repayment

    Loan repayment calculator

See how much your repayments could be with our loan repayment calculator.

Choose your lending product

  • Citi Personal Loan Plus
  • Ready Credit

Citi Personal Loan Plus is an unsecured personal loan with a reusable credit facility. You will be offered a personalised variable rate and have the certainty of equal monthly repayments unless credit is reused.

Citi Ready Credit is a flexible alternative to a Personal Loan. It's a line of credit that you can access at any time, up to your credit limit, without reapplying. It's money when you need it, and you won’t pay interest when you don't.

How much do you want to borrow?

Enter amount

Over how many years?

Select your preferred repayment term

Variable interest rate ?

% p.a.

Comparison rate*

11.99% p.a.

9.99% p.a.
17.99% p.a.

Your Monthly Instalment#


Introductory rate

5.9% p.a. for 3 years

on initial balances transferred1

How much do you want to borrow?

Enter amount

Your monthly repayment^


Your monthly repayments are flexible. This is the monthly repayment
you would need to pay off the balance in full over 3 years.
Establishment fee and other fees may apply.

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

Important information: (enlarged viewing)

Citi Lending Terms and Conditions

New Citi Lending Customers only. Credit criteria, fees & charges, Terms and Conditions apply.

Citi Personal Loan Plus:

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 1 March 2021.

Ready Credit:

1. The introductory interest rate of 5.9% p.a. applies 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. Offer ends 31 March 2021. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.

Loan repayment calculator

This calculation is an estimate only and does not represent quotes or pre-qualification for the product and is based on the accuracy of information provided. To apply for a lending product you must complete an application.

*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.

#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 monthly repayment does not take into account establishment fee, ongoing purchases and cash advances, which are subject to interest at the standard variable rate.

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