• A personal loan that
    fits your life

    A personal loan that fits your life
Don't settle for an off the shelf loan. With Citi Personal Loan Plus you'll get a personalised rate based on your financial history and current circumstances, over your preferred fixed term (3, 4 or 5 years). Our unsecured loan also provides a reusable credit facility, which you can access without needing to reapply. Get started with or without your rate estimate.

Start your journey with Citi Loan Estimator

  • 1
    Find out how much you could borrow: $5,000 to $75,000
  • 2
    Find out your rate estimate, without impacting your credit score
  • 3
    Choose your term (3, 4 or 5 years) and complete your application
  • Get a personalised variable interest rate between 8.99% p.a. and 17.99% p.a. (9.96% p.a. and 18.91 p.a. Comparison Rate1)
  • Access an ongoing reusable credit facility at the variable rate, without needing to reapply
  • $199 establishment fee2, plus $10 monthly fee when your account has a balance3
  • Plan your monthly budget, with equal monthly repayments
  • You can payout early or make extra repayments without a fee.
Variable Interest Rate
Interest rates based on your personal circumstances - from 8.99% p.a. to 17.99% p.a.
Comparison Rate
Ranges from 9.96% p.a. to 18.91% p.a1.
Establishment fee
Monthly service fee
$10. You will not be charged if your Account has a zero balance and no retail or cash transactions in that Statement Period.
Cash advance fee
Early pay out fee
Additional repayments fee
  • Be 18 years of age or older
  • Be a permanent Australian resident
  • Earn more than $40,000 a year


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Important information: (enlarged viewing)

Terms and Conditions for Citi Personal Loan Plus

New Citi Lending Customers only. Credit criteria, fees & charges, Terms and Conditions 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 3 April 2018.

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.

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