Reusing your available credit
One of the unique benefits of Citi Lending accounts1 is the flexibility of reusing your available credit, at your Annual Percentage Rate2.
This means you never need to apply for more credit or another loan again, because each time you make a repayment, you can reuse your available credit, allowing you to spend again and again.
How to access your available credit
Sign into your account and transfer funds to non-Citi accounts and pay bills via BPAY
Use your Lending Debit card for in store and online purchases and ATM withdrawals (Cash Advances)
From time to time you may become eligible for promotional offers which can save you interest.
These offers let you use your available credit for Balance Transfers and Fixed Payment Options. Subject to eligibility.
- Citi Lending accounts include: Ready Credit, Citi Personal Loan Plus, Personal Credit.
- Refer to your statement for your standard Annual Percentage Rate.