Citi is the local arm of global financial services company Citigroup. It has had a presence in the Australian banking space since 1985.
Citi provides a range of personal loans for different purposes, including renovations, holidays, and educational expenses. Its other products include home loans, insurance, transaction accounts and wealth management services.
The lender can be contacted via phone, email or by stepping into a branch in metropolitan parts of Australia.
Benefits
Drawbacks
Australian Credit Licence 238098Fees & charges apply
20.49%
9.19%
$803
$48,181
Australian Credit Licence 238098Fees & charges apply
10.90%
11.19%
$651
$39,047
Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.
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Borrowers can apply to borrow amounts anywhere from $5,000 to $75,000 over a loan term between three and five years. Citi personal loans are on variable rates and the rate is personalised to the borrower's financial situation and credit history.
Borrowers have the flexibility to make additional repayments without penalty and may be able to pay out the loan early without penalty. Citi personal loans do not charge establishment fees or ongoing monthly fees. All loans come with a linked debit card.
The loan amount will be assigned based on your creditworthiness and may be lower than what you applied for if approved.
Citi personal loans can be used for a range of different purposes including:
Citi customers can contact the bank online, via email or on the phone 24 hours a day, seven days a week. There are also branches across NSW, VIC, WA and QLD. Borrowers can also contact customer service via:
To be eligible for a Citi personal loan, borrowers must meet the following criteria:
Applications for a Citi personal loan can be made online. The process is simple and involves the following steps:
Citi’s personal loans are available for many purposes, including paying for special occasions and holidays. Borrowers can apply to borrow amounts anywhere from $5,000 to $75,000 on variable interest rates. Loan terms are between three and five years.
Citi personal loans offer personalised interest rates, which means interest rates will vary depending on your credit history, credit score, employment status, cash flow and loan amount.
Citi personal loans come with access to an ongoing reusable credit facility, which gives the ability to redraw funds as often as you like without the hassle of reapplying for the loan.
Borrowers have the flexibility to make additional repayments without penalty and can choose to pay out the loan before its term without charge. Customers can also choose between weekly, fortnightly and monthly loan repayments.
Before signing up for any personal loan, it is best to compare your personal loan options to find one that's right for you.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.
