COMPARE FLEXIBLE PERSONAL LOANS

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  • Introductory offer

    Credit limits

    Ability to make additional repayments

    No early payout fees

    Standard variable interest rate

    Security

    Repayment frequency

    Minimum repayments

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  • Minimum income

    Minimum age

    Approval criteria

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  • Establishment fee

    Annual fee

    Monthly fee

    Late payment fee

    Early termination fee

    Redraw fee

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Other fees and charges may apply.

Important information: (enlarged viewing)

Terms and conditions for Ready Credit

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. Existing Ready Credit and Personal Credit customers are not eligible to apply for this introductory offer.

Ready Credit 7.9% p.a. for 2 years

  1. You can borrow funds at the 7.9% p.a. rate by a BPAY balance transfer, or by a cheque. This cheque will appear as a balance transfer (BT) on your statement. The 7.9% p.a. interest rate applies to balances transferred with this offer at point of application and cheques-to-self with this offer within 90 days of account opening. Payments are applied to BT amounts before cash advances and retail purchases, and if your account has more than one BT, the BT at the lowest interest rate will be repaid first. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citibank Ready Credit standard variable rate, currently 19.99% p.a. This offer ends 30 September 2016. Offer may be extended.
  2. A credit line of between $5,000 and $75,000 will be assigned based on our credit criteria, your credit rating. Minimum income required is $40,000 a year.
  3. We will debit a $149 establishment fee to your Account on the same day that your first Account statement is issued, after you activate your account.

Ready Credit Fixed Payment Option 9.99% p.a. for 4 years

  1. You can borrow funds at the 9.99% p.a. rate by requesting an Electronic Funds Transfer (EFT) at account approval. You must ensure the payee details are correct as the receiving institution will credit the funds based solely on the details provided and Citibank may not be able to recover funds sent to an unintended recipient if the incorrect BSB number and/or identifier have been provided. (a) This offer is subject to our credit criteria and your existing accounts with us being in good order at the time of processing. (b) Your Fixed Payment Option amount uses part of your credit limit. As you pay off your Fixed Payment Option amount, the amounts you pay off will become available for you to use again as part of your credit limit. (c) If you fail to pay the Monthly Instalment by the Payment Due Date, this instalment amount will be charged at the standard variable rate, currently 19.99% p.a. We also reserve the right to cancel your Fixed Payment Option. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard variable rate, currently 19.99% p.a. (d) For the full terms and conditions of your Fixed Payment Option, please refer to the Unsecured Credit Terms and Conditions and Other Important Information. This offer ends 30 September 2016. Offer may be extended.
  2. A credit line of between $5,000 and $75,000 will be assigned based on our credit criteria, your credit rating. Minimum income required is $40,000 a year.
  3. We will debit a $149 establishment fee to your Account on the same day that your first Account statement is issued, after you activate your account.

Business Credit 0% for 6 months on purchases and balance transfers

  1. The 0% p.a. interest rate applies for the first 6 months on balances you transfer with this offer at point of application, and on all purchases and cash advances for a period of 6 months from the date your account is approved. A Cheque to Self will be treated as a balance transfer (BT) on your account. Transferred balances will be repaid first before establishment fee which attracts interest at the standard Annual Percentage Rate. Any outstanding transferred balances or cash advance balance at the end of the promotional period will revert to the standard Annual Percentage Rate, currently 14.59% p.a. Any retail purchase transactions made during the promotional period will revert at the end of the promotional period to the standard Annual Percentage Rate, currently 14.59% p.a. To be eligible for the offer, you need to apply for Business Credit by 30 September 2016. Offer may be extended. Existing Ready Credit and Personal Credit customers are not eligible to apply for this introductory offer. Approved customers only. Interest rates are variable and subject to change. This information is current as at 01st May '15.
  2. A credit line between $5,000 and $75,000 will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 per year.
  3. Establishment Fee will be debited to your account on the same day that your first statement of account is issued, after you activate your account, unless waived.

© 2016 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.

7.9% p.a. for 2 years1

Things you need to know

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7.9% p.a. for 2 years1

From $5,000 to $75,000

19.99% p.a.

Unsecured

Monthly

Your repayments are monthly on each Payment Due Date, as advised in your statement. Your monthly Minimum Payment Due is;
(i) the account balance if it is less than $30; or
(ii) the greater of:
(a) $30; or (b) the sum (rounded up to the next dollar) of the interest charges for the Statement Period, plus 1% of your account balance, plus any billed late payment fees as at the end of the Statement Period.

$40,000

18

Have a good credit rating Be a permanent Australian resident

$1493

$0

$0

$10 for every 7 days

$0

$0

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9.99% p.a. for 4 years1

Things you need to know

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9.99% p.a. for 4 years1

From $5,000 to $75,000

19.99% p.a.

Unsecured

Monthly

Your repayments are monthly on each Payment Due Date, as advised in your statement. Your monthly Minimum Payment Due is any Monthly Instalment for that month plus;
(i) the account balance if it is less than $30; or
(ii) the greater of:
(a) $30; or (b) the sum (rounded up to the next dollar) of the interest charges for the Statement Period, plus 1% of your account balance, plus any billed late payment fees as at the end of the Statement Period.

$40,000

18

Have a good credit rating Be a permanent Australian resident

$1493

$0

$0

$10 for every 7 days

$0

$0

Things you need to know
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Business Credit
0% p.a. for 6 months1

 

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0% p.a. for 6 months on purchases and balance transfers

Up to $75,0002

14.59% p.a.

Unsecured

Monthly

Your repayments are monthly on each Payment Due Date, as advised in your statement. Your monthly Minimum Payment Due is;
(i) the account balance if it is less than $30; or
(ii) the greater of:
(a) $30; or (b) the sum (rounded up to the next dollar) of the interest charges for the Statement Period, plus 1% of your account balance, plus any billed late payment fees as at the end of the Statement Period.

$35,000

18

Have a good credit rating Be a permanent Australian resident Be a sole trader, or be in a partnership of not more than 2 persons, or be a shareholder who holds 50% or more shares of a private company Have been in the industry for 2 or more years

Normally $1493. Waived for a limited time period

$120

$0

$10 for every 7 days

$0

$0


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