Citi Personal Credit

Borrow from $2,000 up to $60,000 unsecured. Loan comes with fees and interest payments.

Citi Personal Credit account is an unsecured personal loan that lets you access your funds in a variety of ways. Access options include ATM withdrawals, a Visa Debit Card and a personal chequebook. This line of credit functions like a credit card, but with no restrictions on fixed repayment terms. There is an application fee of $69 and no monthly service fee. Interest charges apply.

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From 14.50% (fixed)

Interest Rate (p.a.)

$2,000

Min Loan Amount

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Features of Citi Personal Credit

  • Unsecured. This means you do not need to offer any assets as security.
  • Similar to a credit card. This account is basically a line of credit personal loan which can be utilised as a credit card. However, there is no restriction regarding fixed repayment terms. Furthermore, if you repay your existing credit you can access those funds again through your Debit MasterCard.
  • Cash advances. When you withdraw cash from a Citi ATM using your Citi Personal Credit Card, you'll not be charged for any cash advance fees. The card can be used at about 3,000 ATMs throughout Australia.
  • Loan amount. You can take out a minimum loan of $2,000 and a maximum of $60,000.
  • Fees.The application fee is $69 but there is no monthly service fee. Since there are no early repayment fees or penalties, you can make additional payments as you wish.

How to apply for Citi Personal Credit

If you planned to apply for Citi Personal Credit it would have taken you about 15 minutes to fill out the application form and receive conditional approval within one business day after submission of your application. It would have normally taken about a week for your loan release.

To apply for any Citi Credit products you need to be 18 years or older, have a good credit rating, a taxable income of at least $35,000 and be a permanent Australian resident.

You'll need to provide:

  • Your personal details
  • Your employer's details and contact information
  • Details of your income, assets, debts and credit accounts

Citi Personal Credit offered a range of attractive features to prospective borrowers. However, in order to ensure you end up with the right personal finance solution, take the time to compare your available options.

Compare other personal loans

1 - 8 of 8
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Name Product Mobile details underline Interest Rate (p.a.) Comp. Rate (p.a.) Rate Type Application Fee Monthly Fee Monthly Repayment
Plenti Personal Loan Fixed, 3 - 7 Years, $5,000 - $50,000
Plenti Personal Loan
3 - 7 Years, $5,000 - $50,000
6.39%
to 21.99%
6.39%
to 22.79%
Fixed
$0 - $649
$0
You'll receive a fixed rate between 6.39% p.a. and 21.99% p.a. based on your risk profile.
A flexible loan with amounts from $5,000 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
Harmoney Unsecured Personal Loan Fixed, 3 - 7 Years, $2,000 - $70,000
Harmoney Unsecured Personal Loan
3 - 7 Years, $2,000 - $70,000
5.35%
to 19.09%
6.14%
to 19.99%
Fixed
$275 - $575
$0
You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.
NOW Finance No Fee Unsecured Personal Loan Fixed, 18 Months - 7 Years, $5,000 - $50,000
Exclusive
NOW Finance No Fee Unsecured Personal Loan
18 Months - 7 Years, $5,000 - $50,000
5.95%
to 19.95%
5.95%
to 19.95%
Fixed
$0
$0
You'll receive a fixed rate between 5.95% p.a. and 19.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.

Finder Exclusive: Apply and settle an unsecured personal loan of $30,000 or more to receive a $400 Westfield gift card. Ends on June 30 2022.
OurMoneyMarket Personal Loan Fixed, 1 - 7 Years, $2,001 - $75,000
Exclusive
OurMoneyMarket Personal Loan
1 - 7 Years, $2,001 - $75,000
5.25%
to 20.99%
5.87%
to 23.83%
Fixed
1.50% - 6%
min. $250
$0
You'll receive a fixed rate from 5.25% p.a. to 20.99% p.a. based on your risk profile.
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.

Finder Exclusive: Apply before 30th of June 2022 to secure a 0.20% p.a. discount for the full term of your loan.
Latitude Personal Loan Fixed or Variable, 2 - 7 Years, $5,000 - $70,000
Latitude Personal Loan
2 - 7 Years, $5,000 - $70,000
5.75%
to 25.99%
6.68%
to 29.20%
Fixed or Variable
0% - 5%
$13
You'll receive a fixed or variable rate between 5.75% p.a. and 25.99% p.a. based on your risk profile
Apply for what you need from $5,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
Wisr Personal Loan Fixed, 3 - 7 Years, $5,000 - $64,000
Wisr Personal Loan
3 - 7 Years, $5,000 - $64,000
6.45%
to 17.45%
7.27%
to 17.86%
Fixed
$595
$0
You'll receive a fixed rate between 6.45% p.a. and 17.45% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
Citi Personal Loan Plus Variable, 3 - 5 Years, $5,000 - $75,000
Citi Personal Loan Plus
3 - 5 Years, $5,000 - $75,000
8.90%
9.18%
Variable
$199
$0
You'll receive a variable rate of 8.90% p.a. with a comparison rate of 9.18% p.a. if you're approved.
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

Special offer: Monthly account service fee will be waived for applications submitted before 28 December 2022.
Plenti Variable Rate Personal Loan Variable, 1 - 3 Years, $5,000 - $50,000
Plenti Variable Rate Personal Loan
1 - 3 Years, $5,000 - $50,000
6.39%
to 21.99%
6.39%
to 22.79%
Variable
$0 - $649
$0
You'll receive a variable rate from 6.39% p.a and 21.99% p.a. based on your risk profile
A flexible loan with amounts from $5,000 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
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Compare up to 4 providers

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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6 Comments

  1. Default Gravatar
    graham
    January 22, 2015

    What is the minimum monthly payment (ie. what percentage of balance or fixed amount)?

    • Avatarfinder Customer Care
      Shirley
      January 23, 2015

      Hi Graham,

      Thanks for your question.

      Personal loans generally don’t use a minimum monthly payment as a percentage because it has a set loan term. The minimum monthly payment or fixed repayment amount is calculated depending on your loan amount and loan term.

      If you’d like, you use our personal loan calculator to play around with some numbers to figure out what your repayments will be.

      As a gentle reminder, before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions.

      Cheers,
      Shirley

    • Default Gravatar
      Graham
      January 23, 2015

      That was not my question. On the Citibank link for the Citibank Personal credit (no set loan amount or term) it states minimum monthly payments applicable. These are usually calculated on a percentage of the amount owing. What is the percentage?

    • Avatarfinder Customer Care
      Shirley
      January 23, 2015

      Hi Graham,

      Apologies I had mixed up the product. The minimum repayment is 2.75%.

      Cheers.

  2. Default Gravatar
    Patty
    May 28, 2014

    how much of a payment would be if I needed $5,000 each month

    • Avatarfinder Customer Care
      Shirley
      May 28, 2014

      Hi Patty,

      Thanks for your question.

      Please use our personal loan calculator to give you an indication.

      Cheers,
      Shirley

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