Citi Personal Loan Plus

Pay no upfront and ongoing fees with no
establishment fee and monthly fee.1


Apply now

Get the funds to spend on things, without fees taking anything away. You'll receive the full amount of your loan up front with no establishment fees and no
monthly fees.1 Plus, there is no early repayment fees, redraw fees or even annual fees, leaving you much more for the things that
matter. Get your projects going with Citi Personal Loan Plus.

Features

  • Pay no upfront and ongoing fees with no establishment fee and monthly fee.1
  • Get a personalised variable interest rate between 9.99% p.a. to 17.99% p.a. (9.99% p.a. to 17.99% p.a. Comparison Rate)2 over your preferred term of 3, 4 or 5 years3
  • Borrow between $5,000 and $75,000
  • Access an ongoing reusable credit facility3 at a variable rate, without needing to reapply
  • You can payout early, or make extra repayments, without a fee
  • Plan your monthly budget, with equal monthly repayments for the loan unless credit is reused3

Start your journey with a Quote

  • Quotes don't affect your credit score
  • Your quote covers how much you could borrow and your indicative interest rate
  • Like the look of the quote? Easily continue your application along with a credit check
  • You must be 18 years of age or older, a permanent Australian resident and earn more than $40,000 a year

Apply without a Quote

  • Keen to get straight into it? Skip the quote and apply within 15 minutes
  • You must be 18 years of age or older, a permanent Australian resident and earn more than $40,000 a year

Check out what you could do with Citi Personal Loan Plus

Renovation
Renovation
Renovation

Renovate your kitchen, create a garden oasis, add a deck or pool. Make those home improvement dreams a reality.

Holiday
Holiday
Holiday

From tropical retreats to extra shopping money, with this loan you'll enjoy the trip of a lifetime.

Special Occasion
Special Occasion
Special Occasion

Make your big day memorable. From luxury venue hire to ordering your unique invitations, you can use our unsecured personal loan on the big and small stuff to bring your vision to life.

New Car
New Car
New Car

Don’t let payment options get in the way of buying your dream car. Citi Personal Loan Plus takes this hassle away, so let yourself sit back and enjoy the ride.

Check out what you could do with Citi Personal Loan Plus

Renovation
x

Renovation

Renovate your kitchen, create a garden oasis, add a deck or pool. Make those home improvement dreams a reality.

Holiday
x

Holiday

From tropical retreats to extra shopping money, with this loan you'll enjoy the trip of a lifetime.

Special Occasion
x

Special Occasion

Make your big day memorable. From luxury venue hire to ordering your unique invitations, you can use our unsecured personal loan on the big and small stuff to bring your vision to life.

Special Occasion
x

New Car

Don’t let payment options get in the way of buying your dream car. Citi Personal Loan Plus takes this hassle away, so let yourself sit back and enjoy the ride.

FAQs

How do I get my interest rate estimate?
What is a reusable credit facility?
What other benefits come with Citi Personal Loan Plus?
Important Information

Terms and Conditions for Citi Personal Loan Plus

Fees and charges, terms and conditions and credit criteria apply. New Citi Personal Loan Plus customers only and cannot be used in conjunction with any other offers.

If you are approved for a loan, the loan amount and interest rate offered to you may be different from the estimated loan amount and interest rate shown on the Quote, as the Quote figures are indicative only. The interest rate available is between 9.99% and 17.99% p.a. (comparison rate 9.99% to 17.99% p.a.) and approval is subject to Citi's credit criteria.

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 October 2019.

1. No Establishment Fee and no Monthly Account Service Fee applies to applications submitted from 1 October 2019 to 31 March 2020. Post this advertised date Citi reserves the right to continue, withdraw or change the offer at any time without notice. Other service fees and charges including late payment fee and dishonour fee may apply.

2. 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.

3. Payment of the monthly instalment enables you to pay off your initial loan within your chosen loan term. You can choose to reuse credit up to your approved credit limit. Any use of the reusable credit facility will require additional monthly repayments on your loan. There will be no end date for your reusable credit facility. For the full terms and conditions of your instalment loan, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.

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