Looking to finance a new car, a dream holiday or a home makeover?
A Citibank Personal Loan can help you get what you want time and again. It is an unsecured fixed installment loan with competitive rates and flexible loan terms making budgeting easy with set loan repayments. Apply for a Citibank Personal Loan and get a response in 60 seconds. You could have your money within 48 hours.
Key Features for Citibank Fixed Rate Personal Loan:
EASY to apply with a response in 60 seconds. Apply online and you won't need to wait days for an answer, fill out loads of forms or even have to visit a branch.
SAVE with low rates from 13.24% p.a.* (comp. rate 13.65% p.a.ø) Our rates are amongst the most competitive in the market. You'll also avoid future interest rate rises because your rate is fixed for the life of your loan.
SAVE even more with 0.50% p.a. off your rate with Loanguard. Take out Loanguard payment protection insurance and we'll discount your interest rate.
FREEDOM to re-draw on your loan
A redraw facility ‡ allows you to access repayments you've made any time, for any purpose.
APPLY TODAY and you could have your money within 48 hours. Your loan will be paid directly into your nominated account within 48 hours of being approved, whoever you bank with.
Terms & Conditions
Terms and conditions apply and are available on request. Existing customers are not eligible for this offer. Applications may not be accepted if you have been approved for another Citibank offer in the last 9 months. Allow up to 10 working days to process your application. To process your application, Citibank will need to verify your identity and income. To verify your identity we will ask you to confirm details provided on your application. Please provide a contact telephone number that will be easy for us to contact you on. Please notify your payroll department or accountant (if self employed) to ensure that they are willing to confirm your income details.
* Rates vary with credit scoring and loan amount, and are available to customers meeting our credit criteria for prime rates. For customers not meeting this criteria, an alternative rate may be offered, as determined by an assessment of your personal circumstances. Rate includes 0.50%p.a. discount on your loan rate where Loanguard Insurance is taken out with your Citibank Personal Loan. Issuer: MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096. You should consider the Product Disclosure Statement available at www.citibank.com.au, and whether or not the product is appropriate for you, before making a decision about the product.
ø The comparison rate is 13.65%p.a., calculated for an unsecured loan amount of $50,000 for 5 years. A comparison rate schedule is available at 2 Park Street, Sydney or at www.citibank.com.au. Terms and conditions apply and are available upon request. Fees and charges apply. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
‡ Only available on amounts over $500. A $10 redraw fee applies. Subject to meeting the redraw criteria.
You can apply for a Personal Loan if you meet the following criteria:
To apply for this loan you must to be over 18, have a good credit history and be a permanent resident / citizen of Australia. Earn a minimum taxable income of $30,000 a year.
To apply online, you'll need the following information:
Your contact details
Driver’s licence number (if you have one)
Current residential status (and previous residential details if you have been at your current address for less than 3 years)
If renting or boarding, your landlord or real estate agent’s details
Contact details of a relative or friend not living with you
Your employer’s address and switch telephone number (as listed in the White Pages)
Annual and monthly income (before and after tax)
Contact details for your accountant if self-employed
The value of your home and car, if applicable, and any other assets
Types and amounts of other income (e.g. rental income)
Details of your main expenses, including the current balances owing on your credit cards, loans and investment mortgages
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