Citi Personal Loan Plus

Citi Personal Loan Plus
  • Get a personalised variable interest rate from 8.99% p.a. to 17.99% p.a. (Comparison Rate of 9.96% p.a. to 18.91% p.a.~) based on your financial history & current circumstances
  • Citi's unsecured loan provides a reusable credit facility, which you can access without needing to reapply
  • Make additional payments without fees
  • There are no early exit fees for paying your loan out early
variable rate from


per annum

comparison rate from~


p.a. based on $30,000 for 5 years unsecured


$199 upfront

$10 per month

indicative score band
loan amount



$75,000 maximum

loan term



3 years minimum

  • Available as a car loan
  • Redraw available
  • Extra repayment
    No fee when you make additional payments.
Other fees
Early exit fee$0
Early exit fee conditions
No early exit fees.
Things you should know
For debt consolidationNo
Security requiredNo

Product Specific Terms and Conditions

Things you should know about this loan (the full terms and conditions are available on the Citi website once you click the "Go to Lender" button).

  • The Citi Personal Loan Plus offers a loan that fits you based on your financial history and current circumstances, including income and expenses.
  • Annual percentage rates range from 8.99% p.a. to 17.99% p.a. (Comparison Rate of 9.96% p.a. to 18.91% p.a.~).

To be eligible for the Citi Personal Loan Plus you need to:

  • Be 18 years of age or older
  • Be a permanent Australian resident
  • Earn more than $40,000 a year
  • Have a good credit rating
  • Have no current or previous defaults and no history of bankruptcy

During the application process you will need the following documents:

  • Proof of income & employment
  • Proof of address
  • Proof of residency

Citi requires your two most recent pay slips. If you are self-employed you’ll have to include a copy of your two latest tax returns or profit and loss statements for the past two financial years, as well as your most recent tax assessment.

Important Information

~Comparison rate is calculated as indicated. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different fees, terms, or a different loan amount might result in a different comparison rate.

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