Your perfect kitchen now, a beautiful pool later.
Having access to money when you need it creates endless possibilities. Our unsecured personal loan can help you go on a trip of a lifetime, get started on that dream kitchen or make that moment more memorable.
With Citi Personal Loan Plus, you can choose the repayment term based on 3, 4 or 5 years to suit your needs.
A low, variable rate of just 9.99% p.a.
(10.95% p.a. comparison rate)1
- Choose a 3,4, or 5 year term to suit your needs
- Borrow from $5,000 up to $75,000
- A one-off establishment fee of $1992
- Fixed monthly repayments with a $10 monthly fee
- Make additional repayments or pay out your loan early, with no penalty fee
- Provides an ongoing reusable credit facility at a variable rate of 9.99% p.a. without needing to reapply.
- You must be a permanent Australian resident, 18+ years and earn an income of $40,000 p.a. or more
Calculate loan repayments
- 3 years
- 4 years
- 5 years
To apply, choose the term that best suits your needs
- 3 years
- 4 years
- 5 years
How much can I borrow?
Useful forms and links
Important information: (enlarged viewing)
Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. Existing lending customers are not eligible to apply.
- 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.
- 1. 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.
- 2. An establishment fee of $199 will be debited to your Citi 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.
- 3. Other service fees and charges including late payment fee and dishonour fee may apply.
# 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.
© 2017 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.