Citi Personal Credit

Citibank Personal Credit

This product is not currently available via Finder. Visit the provider's website directly, or compare other options.

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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.

  • This product is no longer offered by Citi. This page is for historical purposes only.

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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1 - 16 of 16
Product Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
OurMoneyMarket Unsecured Low-Rate Personal Loan ($5,000-$75,000)
ExclusiveFixed1 - 7 Years $5,000 - $75,000
OurMoneyMarket logo
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
Finder Exclusive: Limited time only. $100 eGift Card for borrowers with Excellent Credit who apply via Finder by 30 April and settle the loan by 15 May.
Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible. No ongoing or early exit fees. Loan amounts range from $5,000 to $75,000, and up to $100,000 for home improvement projects and motor vehicles.
NOW Finance No Fee Unsecured Personal Loan
Finder AwardFixed18 Months - 7 Years $5,000 - $50,000
NOW Finance logo
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
Harmoney Unsecured Personal Loan
Fixed3 - 7 Years $2,000 - $70,000
Harmoney logo
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
Receive competitive interest rates tailored to your personal circumstances, repay the loan early without incurring an early repayment fee, and enjoy no monthly or annual fees.
MoneyPlace Unsecured Personal Loan
Fixed3 - 7 Years $5,000 - $80,000
MoneyPlace logo
Interest Rate (p.a.)
6.99%
to 19.99%
Comp. Rate (p.a.)
6.99%
to 21.49%
Application Fee
0% - 5.50%
Monthly Fee
$0
Monthly Repayment
$955.50
MONEYME Personal Loans
Variable3 - 7 Years $5,000 - $50,000
MONEYME logo
Interest Rate (p.a.)
5.99%
to 24.49%
Comp. Rate (p.a.)
6.70%
to 25.90%
Application Fee
$0 - $495
Monthly Fee
$10
Monthly Repayment
$937.58
Wisr Personal Loan
Fixed3 - 7 Years $5,000 - $62,000
Wisr logo
Interest Rate (p.a.)
6.74%
to 24.54%
Comp. Rate (p.a.)
7.57%
to 25.32%
Application Fee
$595
Monthly Fee
$0
Monthly Repayment
$941.05
More info
Latitude Variable Rate Personal Loan
Variable2 - 7 Years $5,000 - $100,000
Latitude Financial Services logo
Interest Rate (p.a.)
9.49%
to 29.99%
Comp. Rate (p.a.)
10.93%
to 31.38%
Application Fee
$0
Monthly Fee
$13
Monthly Repayment
$973.85
Special offer: The $395 establishment fee is waived for approved personal loan applications. Latitude may withdraw the offer at any time. T&Cs apply.
Plenti Personal Loan
Fixed1 - 7 Years $5,000 - $65,000
Plenti logo
Interest Rate (p.a.)
6.57%
to 24.09%
Comp. Rate (p.a.)
6.57%
to 24.99%
Application Fee
$0 - $595
Monthly Fee
$0
Monthly Repayment
$938.68
NAB Personal Loan Unsecured Fixed
Fixed1 - 7 Years $5,000 - $55,000
NAB logo
Interest Rate (p.a.)
7.49%
to 20.49%
Comp. Rate (p.a.)
8.53%
to 21.38%
Application Fee
$0
Monthly Fee
$15
Monthly Repayment
$948.05
Special Offer: For a limited time NAB is waiving the $250 application fee when you apply for a NAB Unsecured Personal Loan. Offer valid from 6 March to 31 May 2025. Other fees and charges still apply.
Driva Personal Loan
Variable1 - 7 Years $2,001 - $75,000
Driva logo
Interest Rate (p.a.)
6.57%
to 36%
Comp. Rate (p.a.)
6.78%
to 36%
Application Fee
$0 - $395
Monthly Fee
$0
Monthly Repayment
$932.54
More info
Great Southern Bank logo
Interest Rate (p.a.)
7.99%
to 19.99%
Comp. Rate (p.a.)
8.31%
to 20.35%
Application Fee
$225
Monthly Fee
$0
Monthly Repayment
$947
OurMoneyMarket logo
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
Plenti Variable Rate Personal Loan
Variable1 - 2 Years $5,000 - $65,000
Plenti logo
Interest Rate (p.a.)
6.57%
to 24.09%
Comp. Rate (p.a.)
6.57%
to 24.99%
Application Fee
$0 - $595
Monthly Fee
$0
Monthly Repayment
$938.68
NAB Personal Loan Unsecured Variable Rate
Variable1 - 7 Years $5,000 - $55,000
NAB logo
Interest Rate (p.a.)
7.49%
to 20.49%
Comp. Rate (p.a.)
8.53%
to 21.38%
Application Fee
$0
Monthly Fee
$15
Monthly Repayment
$948.05
Special Offer: For a limited time NAB is waiving the $250 application fee when you apply for a NAB Unsecured Personal Loan. Offer valid from 6 March to 31 May 2025. Other fees and charges still apply.
OurMoneyMarket Home Improvement Loan
Fixed1 - 7 Years $5,000 - $100,000
OurMoneyMarket logo
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
ANZ Variable Rate Personal Loan
Variable1 - 7 Years $5,000 - $75,000
ANZ logo
Interest Rate (p.a.)
7.49%
to 19.99%
Comp. Rate (p.a.)
8.18%
to 20.58%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$947.71
Special Offer: Until 13 April, eligible borrowers of an ANZ personal loan can get $250 cashback and $150 application fee waived. Terms and conditions apply.
More info
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