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Citi Personal Loans

With Citibank in Australia, you can borrow funds to bring your ambition and possibilities to life. Compare Citibank personal loans below, calculate repayments and get ready to spend on the things that matter to you.

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3 months


Ready Credit

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You'll be ready to take on life as your line of credit will be available whenever the opportunity arises.

Personal Loan Plus

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Our unsecured personal loan helps you take control and make things that matter to you happen. provides factual information in relation to financial products. While attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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Citibank personal loans – Find flexible lending products

Citibank Australia has been around since 1985 as part of Citigroup, a bigwig on the global financial services scene. The history books have it as the first foreign bank that was granted a full banking licence. Since then, it has helped finance projects for many Aussies. Explore how a Citibank personal loan can also kick start your projects, among other things.

How do Citibank personal loans work?

The Citi Personal Loan Plus is Citibank’s version of a standard personal loan. It’s decked with the following features:

  • Tailored and competitive interest rate. Citibank calculates your variable rate using your employment details, expenses, liabilities, credit history, and other factors. So you’ll get a rate that mirrors your personal circumstances.
  • Flexible credit limit. You can borrow between $5,000 and $75,000, a range that can cover small purchases, large projects, and everything in between.
  • Fixed loan terms. You choose a fixed loan term of 3, 4, or 5 years.
  • Repayment options. Borrowers can settle for fixed weekly, fortnightly, or monthly repayments, depending on their pay cycle.
  • Reusable credit facility. If you need extra cash minus the hassle of reapplying for credit, you can redraw funds using the complementary Debit card whenever you need to. If you tap into this redraw facility, you’ll also need to make additional repayments.
  • Unsecured. You won’t have to use your asset or property as collateral since the personal loan is unsecured.
  • Early repayments. Additional repayments are fee-free, so it’s easier to take an early exit and save on interest. You can use our Citibank personal loan calculator to figure out how quickly you can pay off your debt.

What other finance alternatives can you explore with Citibank?

The Citi Personal Loan Plus is not the only thing Citibank can dish out to meet your finance needs. Check out the following Citi Ready Credit products:

Citi Ready Credit low introductory rate

This unsecured line of credit works great for borrowers who want to make fewer purchases or a larger purchase that’s spread out into smaller payments. It’s a convenient alternative to personal loans that keeps funds coming whenever you need them and without you having to reapply. Credit limits are generously set between $5,000 and $75,000.

The balance you owe is repaid via minimum monthly payments, or you can choose any repayment amount over this minimum. The low introductory rate applies to the initial balances transferred plus any purchases and cash advances for 12 months. After the promotional period expires, the standard variable rate, which is significantly higher, will take over.

Citi Ready Credit long credit balance transfer

This is also a line of credit that offers a $5,000 minimum amount and a $75,000 maximum amount. It’s best for funding large purchases or transferring any outstanding balances you owe on non-Citi accounts. The introductory rate applies to initial balances transferred for the first three years. However, the standard variable rate will apply to ongoing purchases and cash advances from the get-go.

Generally, this option comes with the same benefits as the low introductory rate option. You can access funds at your convenience as long as you stick to the credit limit. Additionally, you can choose any monthly repayment above the set minimum.

Does Citibank Australia charge any fees?

  • For the Citi Personal Loan Plus, the variable interest rate ranges from 9.99% to 17.99%. There is no establishment fee, monthly service fee, early payout fee, or additional repayment fee. When you apply, you get the full loan amount upfront.
  • For the low introductory rate option, a promotional rate of 5.9% applies for the first 12 months. It switches to 20.49% after that, but keep in mind interest applies only to the amount you owe. What’s more, there is no cash advance fee, monthly fee, or annual fee. You’ll, however, have to pay an upfront establishment fee of $199.
  • The longer balance transfer option has a 5. 9% interest rate for three years but only on initial balances transferred. A 20.49% rate will apply to cash advances and purchases straightaway. You only pay interest on what you use, and no other fees apply except for a $199 establishment fee.

You can use Citi lending products for:

Citibank feeds your budget with the funds you need to:

  • Buy a car
  • Cover a road trip or other travel plans
  • Start a kitchen remodel or other renovation projects
  • Pay for your home entertainment
  • Transfer the balance from a non-Citi credit card or other loans
  • Make various purchases and bill payments

Who qualifies for a Citibank personal loan?

To fit inside Citibank’s lending criteria, you must:

  • Be at least 18 years old
  • Be a permanent Australian resident
  • Have an income of more than $40,000 per year
  • Have a good credit history

How to apply for a personal loan from Citibank online

You can apply for Citibank lending products online with BestFind. Go up to the top of the page and browse the options available in our product table. Once ready, click “Go to Site” to move ontto Citibank’s website, where you can submit your application in about 10 minutes. Be prepared to supply the following:

  • Details about your employer, income, expenses, and debts
  • Documents to verify identity, income, address, and employment

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