In this guide

  • Review
  • Details
    • Product details
  • How does Citi Ready Credit - Fixed Payment Option work
  • How to Apply?
  • Features of this Loan
  • Compare other personal loans
  • Your reviews
Finder makes money from featured partners, but editorial opinions are our own.

Citi Ready Credit

Citibank Ready Credit - Fixed Payment Option

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

Compare other options
Interest Rate (p.a.)
9.99%
Min Loan Amount
$5,000

Summary

Access your funds with a Visa Debit Card. There are no annual or monthly fees, but the loan has an application fee of $149.

Citi Ready Credit - Fixed Payment Option is an unsecured line of credit. It offers a special introductory rate starting from 9.99% p.a. for 4 years. This loan also features complimentary insurance policies such as Guaranteed Pricing Cover, Warranty Extension of up to 12 months and Purchase Protection Cover. The loan has no monthly or redraw fees, and you can access your funds with a Visa Debit Card. Your repayments may vary monthly. The minimum payment includes interest, a fee of 1% of your account balance and any late fees, if applicable.

Pros

  • $0 monthly fee to pay
  • No extra payment for early payouts
  • Additional repayments allowed

Cons

  • Application fee of $149 required
  • Must have a good credit rating
  • Late fee of $10

In this guide

  • Review
  • Details
    • Product details
  • How does Citi Ready Credit - Fixed Payment Option work
  • How to Apply?
  • Features of this Loan
  • Compare other personal loans
  • Your reviews

Details

Product details

Product Name Citibank Ready Credit - Fixed Payment Option
Interest Rate (p.a.) 9.99%
Interest Rate Type Fixed
Min Loan Amount $5,000
Max. Loan Amount $75,000
Loan Security Secured

How does Citi Ready Credit - Fixed Payment Option work

One of the main purposes of Citi Ready Credit is to provide you with a standby fund to finance your planned big purchases. In addition, you can also use this product to combine some of your other high-interest debts together in one account. The loan has no monthly or redraw fees, and you can even access your funds with a Visa Debit Card.

How to Apply?

If you would like to apply online for Citibank Ready Credit - Fixed Payment Option, click "Go to Site" to get started. Filling out the application form will take you about 15 minutes. The bank will send you conditional approval within one business day after you submit your application.

To be eligible you must be 18 years or older and a permanent Australian resident. You'll also need to have a good credit rating and a taxable annual income of at least $40,000.

You'll be required to provide the following information:

  • Personal details
  • Your employer's details and contact information
  • Information regarding your income, assets, debts and present credit accounts
Citibank Ready Credit - Fixed Payment Option offers a host of competitive features for borrowers. Make sure to compare your personal loan options on finder.com.au to ensure you end up with the right loan for you.

Features of this Loan

  • Introductory rate. You can take advantage of a special introductory fixed payment option of 9.99% p.a. for 4 years.
  • Loan amount. This loan provides you with a minimum amount of $5,000 and a maximum amount of $75,000. Once your loan amount has been approved, Citi will issue a cheque in your name.
  • Fees. Citibank Ready Credit - Fixed Payment Option has and application fee of $149 but does not attract any annual or monthly service fees.
  • Repayments. Your repayment amounts are calculated monthly. The minimum payment due includes any interest charges, a fee of 1% of your account balance, and any applicable late payment fees, and will be clearly listed on your statement. (If your balance is under $30, the total amount will need to be paid.)
  • Early repayment allowed. You can pay off your loan early without incurring any fees.

Compare other personal loans

{"visibility":"visibilityTable","ctaLabel":"Calculate","tableCode":"AUFPL_COMPARISON_V2_TABLE","nicheCode":"AUFPL","fields":[{"name":"LOAN_AMOUNT","value":"30000","options":"","label":"Loan amount","suffix":"$","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""},{"name":"PERIOD","value":"3","options":"","label":"Loan term","suffix":"years","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""}]}
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
Go to siteMore Info
OurMoneyMarket Personal Loan
Fixed1 - 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
Go to siteMore Info
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
Go to siteMore Info
Citi Personal Loan Plus
Variable3 - 5 Years $2,000 - $55,000
Interest Rate (p.a.)
10.90%
Comp. Rate (p.a.)
11.19%
Application Fee
$199
Monthly Fee
$10
Monthly Repayment
$997.25
Go to siteMore Info
Special Offer: Monthly Fee of $10 waived for applications submitted before 30 June 2024.
Latitude Variable Rate Personal Loan
Variable2 - 7 Years $5,000 - $70,000
Interest Rate (p.a.)
9.49%
to 29.99%
Comp. Rate (p.a.)
10.37%
to 30.69%
Application Fee
$0
Monthly Fee
$13
Monthly Repayment
$973.85
Go to siteMore Info
Special Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.
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.)
7.91%
to 21.33%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$940.81
Go to siteMore Info
Pepper Money 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
Go to siteMore Info
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.)
7.91%
to 21.33%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$940.81
Go to siteMore Info
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
Go to siteMore Info
loading
Showing 9 of 9 results

Your reviews

No reviews yet. Write a review
Go to site