CITI PERSONAL LOAN PLUS

  • Create your own future

    11.99 % p.a.
    Variable Interest Rate
     
    12.77 % p.a.1
    Comparison Rate
    Create your own future

Create your own future with Citi Personal Loan Plus

Citi Personal Loan Plus lets you take control and make the things that matter to you happen. This loan can be used for a variety of needs including furnishing your new apartment, going on holidays or any other general purpose that you require.


  • A low, variable rate of just 11.99% p.a.
    (12.77% 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 waived for the first year
  • Make additional repayments or pay out your loan early, with no penalty fee
  • Provides an ongoing reusable credit facility at a variable rate of 11.99% p.a. without needing to reapply.

Calculate loan repayments

Select term:
3 years
Select loan amount
 
$5,000$75,000
or enter amount

Your monthly repayment#:

Select loan amount
 
$5,000$75,000
or enter amount

Your monthly repayment#:

Select loan amount
 
$5,000$75,000
or enter amount

Your monthly repayment#:

To apply, choose the term that best suits your needs

select your term
  • Flexibility to make extra repayments without a fee
  • A low, variable rate of just 11.99% p.a. (12.77% p.a. comparison rate)1
  • Fixed monthly repayments let you plan your monthly budget
  • Provides an ongoing reusable credit facility at a variable rate of 11.99% p.a. without needing to reapply.
  • Establishment fee of $1992
  • No monthly fee if the loan has zero balance and no retail or cash transactions were made in that statement period3
  • No Cash Advance fee
  • Monthly fee of $10, waived for the first year
  • No early payout fees
  • No additional repayment fee
  • Earn an income of $40,000 p.a. or more
  • Be 18 years of age or older
  • Have a good credit rating
  • Be a permanent Australian resident
  • How much can I borrow?

    How much can I borrow?

  • Useful forms and links

    Useful forms and links

Important information: (enlarged viewing)

Terms and conditions for Citi Personal Loan Plus

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. Existing lending customers are not eligible to apply.

  1. 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 16 December 2016. Offer ends 31 July 2017. Offer may be extended.
  2. 1. Comparison rate is based on a 5 year unsecured variable rate loan of $30,000 with the monthly fee waived in the first year. 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.
  3. 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.
  4. 3. Other service fees and charges including late payment fee and dishonour fee may apply.
  5. # 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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