Start living your best life with our Strictly Limited Sale on flexible personal loans at just 2.9% p.a. for 2 years1.

Whether you're thinking about upgrading your car, extending the house, or throwing it in and going on the trip of a lifetime, a Ready Credit Flexible Personal Loan can help you make today the day. Act quickly for our limited-time, low sale rate of just 2.9% p.a. for 2 years1.

Ready Credit Flexible Personal Loans

Citibank's Ready Credit offer is a low-rate, flexible personal loan that makes it easy to achieve what really matters to you. Pay off that important purchase or outstanding balance faster with this limited offer. You can also choose to redraw on your loan at our standard variable rate, currently 19.49% p.a. Ready Credit isn't your average loan. It's a step up.

With a sale rate of just 2.9% p.a. for 2 years1, a one-off establishment fee of just $129, and no early payout fees, this Strictly Limited Sale can't be missed. Upon approval of your application, simply call us to activate this limited-time offer.

Rethink banking.

Apply quickly. Offer ends 31 August.

Calculate your loan repayments3


Work out what you could be paying each month on your flexible personal loan by adjusting how much you'd like to borrow. The monthly payment here shows the payment required to pay off the balance in full over 2 years.

Select loan amount

This promotional rate can be applied to up to 80% of your credit limit.

Monthly repayment

Plus you pay no annual or monthly fees.

Calculate how much you could save


Transfer the outstanding balance from other credit cards or loans, and see how much interest you could save with this offer over 2 years.

Number of balances:
Balance 1:
Annual rate%
Balance 2:
Annual rate%
Balance 3:
Annual rate%
Balance 4:
Annual rate%
* Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. This rate, balance, interest and potential savings calculations in the table above are examples only. Your personal circumstances may differ It does not include interest accrued at the standard interest rate.

Our Strictly Limited Sale

  • Exclusively low sale rate of 2.9% p.a. for 2 years1
  • Apply for a credit limit up to $60,0002
  • Borrow funds or complete a balance transfer to access up to 80% of your credit limit at the 2.9% rate1
  • No monthly or annual fees4
  • No early payout fees
  • After 2 years, rate reverts to 19.49% p.a. on any outstanding balance5

For more information

1300 665 837


Free wine is just around the corner. Free wine is just around the corner. The Citibank Dining Program.