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Citi bank - description of the lender

citibank_fixed

Loan amount

$5000 - $75000

Loan term

3 months - 4 years

Citi bank - description of the lender

Company

Citibank in Australia is part of Citigroup, one of the world's largest financial services organisations. Citibank commenced consumer operations in Australia in 1985 when it was the first foreign bank to be granted a banking licence.

By combining local expertise with the strength of Citibank's worldwide consumer banking network, we are able to offer some of the world's leading range of financial services including deposit accounts, foreign currency deposits and investments as well as credit cards, mortgages, insurance and charge cards.

Representative example

Representative example: Loan amount: $ 10 000, Loan term: 2 years, Total amount repayable: $ 11368.35 , APR: 7.9 % per annum
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

Age restriction

You must be at least 18 years old

Requirements

  • you must be at least 18;
  • you must be Australian resident;
  • your minimum annual income must be at least $ 40,000;
  • you must have a good credit rating.
  • Important information

  • Ready Credit is a line of credit which means that you can use the credit up to your limit at any time and it will continue after any offer period expires.
  • The interest rate applicable to any offer is fixed for the offer period. However, any spend or cash advance outside of any specific offer is charged at the standard variable rate which may change from time to time.

  • Fixed Payment Option
  • You have a fixed monthly repayment that will pay off the loan within the promotional period.
  • If you make a payment after the due date, you will pay interest at the standard variable rate for that payment until paid.
  • If you fail to make any monthly instalment, the Bank reserves the right to cancel the Fixed Payment Option. The outstanding balance will be charged interest at the standard variable rate.
  • When you make your fixed monthly repayments these will be allocated to your offer interest rate balance. Additional payments will be applied to higher interest rate balance
    Fees
  • Establishment fee: $149
  • Monthly fee: $0
  • Annual fee: $0
  • No early payout fees, if you want to accelerate payments
  • Office hours

    Mon - Fri: 9am - 5pm

    Address

    Visit the CitiFinancial branch locator (https://www.citibank.com.au/aus/static/contactus_findus.htm) to find your local CitiFinancial branch.

    Additional information

    Tel. 1800 722 879

    Other offers

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