It’s easy to see why Citi has dubbed its latest unsecured loan the Personal Loan Plus. Not only does it come with flexible features like an extra repayments, redraw and ongoing reusable credit facility - customers can borrow up to a whopping $75,000 to fund everything from a holiday to a home renovation. All this and more is available with a variable interest rate from 9.99% p.a. to 17.99% p.a. (9.99% p.a. - 17.99% p.a. comparison rate*). Oh and did we mention that it picked up a 2019 Mozo Experts Choice Award for best Unsecured Personal Loan.
With Citi you can borrow from $5,000 - $75,000 and the good news is, because it’s unsecured no collateral is required. You can choose a term of 3-5 years and extra repayments are fee free.
The variable interest rate ranges from 9.99% p.a. to 17.99% p.a. (9.99% p.a. - 17.99% p.a. comparison rate*). Exactly what rate you'll get depends on on your credit history and current financial circumstances.
The interest applies to amounts you've drawn down through the reusable credit facility and like most variable rate personal loans, you’ll be glad to hear that repaying your debt before required won’t trigger any extra fees.
Speaking of fees, Citi won't charge you any establishment fees or a monthly service fee over the life of the loan!
Sounds pretty flexible right? Just keep in mind that unlike some loans where you can choose your repayment frequency, with the Personal Loan Plus only monthly repayments are available.
Looking to keep your credit options open? The reusable credit facility attached to Citi’s Personal Loan Plus account could be for you, as you can keep drawing on credit up to the approved amount without having to re-apply.
Because the Personal Loan Plus loan has a variable rate, Citi may raise it, causing repayments to increase.
Variable
9.99% p.a.variable
9.99% p.a.to 17.99% p.a.based on $30,000
over 5 years
$0.00
n/a
$30.00
$0.00
$0.00
$5,000.00
$75,000.00
3 Years
5 Years
Unsecured
Monthly
yes
yes
none
none
Citi is the consumer banking arm of Citigroup, one of the world's biggest financial institutions. Citi was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.
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7.65% p.a.to 26.99% p.a.
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7.95% p.a.to 19.45% p.a.
8.78% p.a.to 20.4% p.a.based on $30,000
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RateSetter
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7.49% p.a.to 8.89% p.a.
9.50% p.a.to 10.91% p.a.based on $10,000
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9.89% p.a.
10.14% p.a.based on $30,000
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$0.00
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Unsecured Personal Loan (Debt Consolidation)
7.50% p.a.to 14.99% p.a.
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$0.00
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7.65% p.a.to 26.99% p.a.
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$0.00
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5.75% p.a.to 21.99% p.a.
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