HOW MUCH CAN
Estimate how much you can borrow and how much your loan repayments will be.
Select your occupation
- Select your occupation
- CEO/Senior Executives, Directors and General Managers
- Managers, Assistant Managers and Supervisors
- Doctors, Health Diagnostics/Practitioners and Surgeons
- Engineers, Architects and Building Professionals
- Business/Computing/Accounts Professionals
- Lawyers, Barristers, Solicitors and Government Officials (Social Professionals)
- Teachers, Instructors, Lecturers and Academics
- Nurses and Medical Technical Officers
- Self-employed Tradesmen and Merchants
- Clerical workers eg Secretaries and Office Assistants
- Salespersons and Service Workers
- Process workers, Operators and Drivers of machines
- Labourers, Workers and Tradespersons eg Carpenters and Cleaners
- Retirees and Pensioners
- Homemakers and Carers
- No early payout fees
- No monthly or annual fees
- Flexibility to choose your own repayments (minimums apply).
- Low one-off establishment fee
- No early payout fees
- Ongoing access to funds
- One off establishment fee
This monthly repayment pays off the balance in full over 2 years.
Unpaid balances after 2 years will revert to the standard variable rate, currently 19.99% p.a.
- 7.9% p.a. over 2 years - Citi Ready Credit
- 9.99% p.a. over 3 years - Citi Personal Loan Plus
- 9.99% p.a. over 4 years - Citi Personal Loan Plus
- 9.99% p.a. over 5 years - Citi Personal Loan Plus
Transfer the outstanding balance from your other credit cards, store cards or loans and see how much you could be saving with Ready Credit 7.9% p.a. over 2 years.
Plus you pay no annual or monthly fees.
Ready Credit 7.9% p.a. for 2 years offer:
The 7.9% p.a. interest rate applies to the initial balance for 24 months from the date your account is approved. The initial balance can be either a Balance Transfer (BT) at the point of application, or a cheque-to-self within 90 days of Account opening. Cheques-to-self will appear as a BT on your statement. Payments are applied to introductory offer BT amounts before Cash Advances, and if your Account has more than one BT, the BT at the lowest interest rate will be repaid first. Transferred Balances will be repaid first before establishment fee which attracts interest at the standard variable rate. At the end of the introductory offer period, the interest rate on any outstanding balance will revert to the standard variable rate, currently 19.99% p.a. Interest rates are variable and subject to change. This information is current as at 31 July 2017. Offer ends 31 December 2017. Offer may be extended.
Citi Personal Loan Plus 9.99% p.a. for 3, 4 or 5 years:
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 September 2017. Offer ends 31 December 2017. Offer may be extended.
*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. Fees and charges apply and are subject to change. Applications are subject to Citi standard credit criteria and full terms and conditions. A credit line of between $5,000 and $75,000 will be assigned based on our credit criteria and your credit rating. Minimum income required is $40,000 a year.
^This is the monthly repayment required to pay off the full amount. Assumes minimum monthly repayments are made by payment due date each month. Excludes establishment fee and other charges. Does not take into account other purchases and cash advances, subject to interest at the standard variable rate.
# This is the monthly repayment 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 other charges. Any retail or cash balances outside of the initial instalment loan (resulting from reusing the credit facility) will require monthly repayments in addition to the Monthly Instalment
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