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 term (3, 4 or 5 years1). Our unsecured loan also provides a
reusable credit facility1, which you can access without needing to reapply.

Features

  • 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 Rate2)
  • Borrow between $5,000 and $75,000
  • Access an ongoing reusable credit facility1 at a variable rate, without needing to reapply
  • $199 establishment fee3, plus $10 monthly fee when you have a balance4
  • 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 reused1

Start your journey with a Citi Loan Estimator

  • Find out how much you could borrow
  • Get your rate estimate, without impacting your credit score
  • Choose to continue with 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 an estimate

  • Skip the loan estimator 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
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Renovation

Renovation

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

Holiday
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Holiday

Holiday

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

Special Occasion
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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.

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

New Citi Lending Customers only. Credit criteria, fees & charges, Terms and Conditions apply.

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 loan estimator, as the loan estimator figures are indicative only. The interest rate available is between 8.99% and 17.99% p.a. (comparison rate 9.96% p.a. to 18.91% 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 3 April 2018.

1. Payment of the monthly instalment enables you to pay off your Citi Personal Loan Plus within your initial 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 of your personal loan whilst you continue to use your reusable line of credit. For the full terms and conditions of your instalment loan, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.

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. 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. Other service fees and charges including late payment fee and dishonour fee may apply.

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