In this guide

  • Review
  • Features of Citi Personal Credit
  • How to apply
  • Compare other personal loans
  • Your reviews
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Citi Personal Credit

Citibank Personal Credit

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Interest Rate (p.a.)
14.50%
Min Loan Amount
$2,000

Summary

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.

Pros

  • Access to a line of credit
  • Access to a range of complimentary insurance policies
  • $0 ongoing fees for using the line of credit

Cons

  • Higher interest rate than other personal loans
  • Late payment fees can amount quickly

In this guide

  • Review
  • Features of Citi Personal Credit
  • How to apply
  • Compare other personal loans
  • Your reviews

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

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

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Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan
Finder award winnerFixed18 Months - 7 Years $5,000 - $50,000
Interest Rate (p.a.)
6.75%
to 26.95%
Comp. Rate (p.a.)
6.75%
to 26.95%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$922.89
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OurMoneyMarket Personal Loan
Finder award winnerFixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
1.50% - 6%
min. $250
Monthly Fee
$0
Monthly Repayment
$934.23
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Harmoney Unsecured Personal Loan
Finder award winnerFixed3 - 7 Years $2,000 - $70,000
Interest Rate (p.a.)
5.76%
to 24.03%
Comp. Rate (p.a.)
6.55%
to 24.98%
Application Fee
$275 - $575
Monthly Fee
$0
Monthly Repayment
$926.83
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NAB Personal Loan Unsecured Fixed
Fixed1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
6.99%
to 20.49%
Comp. Rate (p.a.)
8.05%
to 21.49%
Application Fee
$250
Monthly Fee
$10
Monthly Repayment
$943.89
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NAB Personal Loan Unsecured Variable Rate
Variable1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
6.99%
to 20.49%
Comp. Rate (p.a.)
8.05%
to 21.49%
Application Fee
$250
Monthly Fee
$10
Monthly Repayment
$943.89
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ING Personal Loan
Finder award winnerFixed2 - 7 Years $5,000 - $60,000
Interest Rate (p.a.)
6.89%
to 18.99%
Comp. Rate (p.a.)
7.10%
to 19.23%
Application Fee
$150
Monthly Fee
$0
Monthly Repayment
$929.43
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